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Rates

Click here for fees & charges applicable to your CRCU Share (Savings) Accounts, Checking Accounts and IRA Savings.

Loans
  • New & Used Vehicle Loans
  • Personal Loans
  • Secured Loans

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Auto & Vehicle Loans

Loan Type

Repayment Terms

Annual Percentage Rate As Low As

New Autosa
Fewer than 7,500 miles
 

Up to 54 Months 1.99%
66 Months 2.99%
78 Monthsb 3.34%b
84 Monthsc 4.24%c
Used Autosa
Fewer than 100,000 miles
Up to 54 Months 2.49%
66 Months 3.49%
78 Monthsb 3.84%

New RVs & Boatsa

Up to 48 Months 3.74%
49-72 Monthsb 4.74%b
73-84 Monthsd 6.24%d
85 - 144 Monthse 6.74%e
145 - 180 Monthse 7.24%e

Used RVs & Boatsa

Up to 48 Months 4.49%
49 - 72 Monthsb 5.49%b
73 - 84 Monthsd 6.99%d
85- 144 Monthse 7.49%e
New Motorcycles & ATVsa Up to 48 Months 3.74%
49 - 72 Monthsb 4.74%b
73 - 84 Monthsd 6.24%d
Used Motorcycles & ATVsa
Used ATV maximum term is
48 months
Up to 48 Months 4.49%
49 - 72 Monthsb 5.49%b

aCertain terms, conditions and or discounts apply.  bMinimum finance amount is $15,000.  
cMinimum finance amount is $45,000.  dMinimum finance amount is $30,000.
eMinimum finance amount is $50,000.  The rates listed above include all applicable discounts.

LATE CHARGES: If any payment is made 15 days or more after it is due, you may be charged a late charge of $25.
COLLECTION COST: You promise to pay all cost of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. FILING FEE: You will be charged a lien filing fee at the time of the advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on our property. The amount of the filing fee will be disclosed on the Loan and Security Agreement.

New Vehicle Loan Payment Example

Loan Amount $20,000
Interest Rate 2.99%
Term of the Loan 60 Months
Monthly Payment $359.67

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Personal Loans, Line of Credit & Master Card

Loan Type

Repayment Terms

Annual Percentage Rate 
As Low As

Personal or Signature Loana Up to 36 Months 5.99%
37 - 54 Monthsb 7.49%b
55 - 60 Monthsc 8.49%c
61 - 72 Monthsd 9.49%d
Qwik Loan Line of Credit/Overdraft 14.00%
MemberSelect Rewards MasterCard®
Terms & Conditions
11.74% - 16.74%
MyPath Premier MasterCard®
Terms & Conditions 
8.74% - 17.99%
Download the Agreement and Disclosure Statement
aCertain terms, conditions and or discounts apply. bMimimum fiannce amount is $7,500. cMinimum finance amount is $10,000. dMimimum finance amount is $25,000.
LATE CHARGES: If any payment is made 15 days or more after it is due, you may be charged a late charge of $25.
COLLECTION COST: You promise to pay all cost of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. FILING FEE: You will be charged a lien filing fee at the time of the advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on our property. The amount of the filing fee will be disclosed on the Loan and Security Agreement.

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Secured Loans

Loan Type

Repayment Terms

Annual Percentage Rate As Low As

Stock Secured - Single Pay maximum term is 3 months, Quarterly Pay maximum term is 36 months 3 - 60 Months 6.50%
Share Secured 12 - 84 Months Rate + 3.00%
Certificate Secured Term not to exceed maturity
of certificate.
Rate + 3.00%
Other Collaterala Up to 48 Months 4.49%
49 - 72 Months 5.49%
73 - 84 Months 6.99%
aCertain terms, conditions and or discounts apply.
LATE CHARGES: If any payment is made 15 days or more after it is due, you may be charged a late charge of $25.
COLLECTION COST: You promise to pay all cost of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. FILING FEE: You will be charged a lien filing fee at the time of the advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on our property. The amount of the filing fee will be disclosed on the Loan and Security Agreement.

Annual Percentage Rates posted are accurate as of January 22, 2020.

Mortgage/Equity
  • Home Equity Loans
  • Home Improvement Loans
  • Mortgage Loans
  • Unimproved Lot Loans

Call for Latest Rates

Rates change daily, so please call us for a personal quote. We're here to help!

  • Atascocita / Kingwood - Call 281.462.2728, ext. 1550
  • Baytown / Houston - Call 281.420.3746
  • Out of Area - Call 800.238.3228

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Home Equity Loans

Maximum Term
(Years)

Annual Percentage Rate

Maximum Loan Amount

5 As Low as 4.33%1 80% of the value of the property less any mortgages
10 As Low as 4.42%2 80% of the value of the property less any mortgages
15 As Low as 4.62%3 80% of the value of the property less any mortgages
20 As Low as 4.85%4 80% of the value of the property less any mortgages
30 As Low as 5.08%5 80% of the value of the property less any mortgages

1Your rate will be fixed.  4.33% APR based upon a $100,000 loan total @ 60 months with monthly payment of $1,841.65, resulting in total loan payoff of $110,499.00.  Your annual percentage rate will be dependent upon total loan amount, term chosen, and individual financial circumstances.  Rates based on an evaluation of each member’s credit history, loan-to-value (LTV), loan amount, loan purpose, and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances an escrow account for taxes and insurance may be required. Some restrictions may apply. Offer subject to change or cancellation without notice. CRCU membership required.

2Your rate will be fixed.  4.42% APR based upon a $100,000 loan total @ 60 months with monthly payment of $1,024.38, resulting in total loan payoff of $122,925.60.  Your annual percentage rate will be dependent upon total loan amount, term chosen, and individual financial circumstances.  Rates based on an evaluation of each member’s credit history, loan-to-value (LTV), loan amount, loan purpose, and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances an escrow account for taxes and insurance may be required. Some restrictions may apply. Offer subject to change or cancellation without notice. CRCU membership required.

3Your rate will be fixed.  4.62% APR based upon a $100,000 loan total @ 60 months with monthly payment of $764.99, resulting in total loan payoff of $137,698.00.  Your annual percentage rate will be dependent upon total loan amount, term chosen, and individual financial circumstances.  Rates based on an evaluation of each member’s credit history, loan-to-value (LTV), loan amount, loan purpose, and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances an escrow account for taxes and insurance may be required. Some restrictions may apply. Offer subject to change or cancellation without notice. CRCU membership required.

4Your rate will be fixed.  4.85% APR based upon a $100,000 loan total @ 60 months with monthly payment of $646.22, resulting in total loan payoff of $155,092.80.  Your annual percentage rate will be dependent upon total loan amount, term chosen, and individual financial circumstances.  Rates based on an evaluation of each member’s credit history, loan-to-value (LTV), loan amount, loan purpose, and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances an escrow account for taxes and insurance may be required. Some restrictions may apply. Offer subject to change or cancellation without notice. CRCU membership required.

5Your rate will be fixed.  5.08% APR based upon a $100,000 loan total @ 60 months with monthly payment of $536.82, resulting in total loan payoff of $193,255.20.  Your annual percentage rate will be dependent upon total loan amount, term chosen, and individual financial circumstances.  Rates based on an evaluation of each member’s credit history, loan-to-value (LTV), loan amount, loan purpose, and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances an escrow account for taxes and insurance may be required. Some restrictions may apply. Offer subject to change or cancellation without notice. CRCU membership required.

VALUE OF HOME X 80% - WHAT YOU OWE ON HOME = WHAT YOU CAN BORROW

Home Equity Loan Payment Example

Loan Amount $100,000
Interest Rate 4.33%
Term of the Loan 5 Years
Monthly Payment $1,841.65 monthly

 

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Home Improvement Loans

Maximum Term
(Years)

Annual Percentage Rate

Maximum Loan Amount

5 As Low as 6.195%
Second Lien Position
95% of the value of the property less any mortgages
10 Call for Rates 95% of the value of the property less any mortgages
15 Call for Rates 95% of the value of the property less any mortgages

*Annual Percentage Rate is based on loan amount of $50,000 at 5.626% for 10 years.

A building contractor must be used to arrange a Home Improvement Loan.

Your rate will be fixed. Payment example: If you borrow $50,000 at 5.25%, the APR is 5.626% for 10 years in a second lien position, your monthly payment for 119 months would be $536.46 and one final payment of $536.15, which does not include taxes or insurance; if applicable, actual payment obligation will be higher. APR= Annual Percentage Rate. Rates based on an evaluation of each member’s credit history, loan-to-value (LTV), loan amount, loan purpose and other factors; so your rate and terms may differ. All loans are subject to credit approval. Under certain circumstances an escrow account for taxes and insurance may be required.

VALUE OF HOME X 95% - WHAT YOU OWE ON HOME = WHAT YOU CAN BORROW

If your home is debt free, use this formula:

VALUE OF HOME X 95%  = WHAT YOU CAN BORROW

Home Improvement Loan Payment Example

Loan Amount $50,000
Interest Rate 5.25%
Term of the Loan 10 Years
Monthly Payment $536.46 monthly payment

Apply Now
Mortgage Loans

Purchase and refinance mortgage rates change daily. For current rates and more information, call us at 281-420-3746 or toll free at 800.238.3228.

Unimproved Lot Loans

Maximum Term
(Years)

Interest Rate

Annual Percentage Rate

15 6.875% 5 Year ARM As low as 9.915%*
Construction Loan 12 Months 7.000% (Interest only) As low as 8.872%**

*Annual Percentage Rate is based on loan amount of $50,000 at 6.875% on a 5 year adjustable rate with a 15 year amortization.

**Annual Percentage Rate is based on a loan amount of $100,000.

Unimproved Lot Loan Payment Example

Loan Amount $50,000
Annual Percentage Rate 6.875%
Term of the Loan 15 Years
Monthly Payment $445.93
First Adjustable Cap 2.000%
First Change 60 Months
Adjust Period 12 Months
Life Cap 12.875%
Rounding 0.125%

Unimproved Lot Loan Payment Summary

Term Interest Rate Monthly Payment
60 6.875% $445.93
12 8.875% $454.85
12 10.875% $463.95
12 12.875% $473.23
12 12.875% $482.70
12 12.875% $492.36
12 12.875% $502.21
47 12.875% $512.26
1 12.875% $522.51

Payment example does not include taxes or insurance; if applicable, actual payment obligation will be higher.

Deposits
  • Savings/Shares
  • CDs
  • IRAs

Savings & Shares

TRUTH-IN-SAVINGS RATE SCHEDULE

Account

Interest Rate

Annual Percentage Yield

Minimum Balance Requirements

Share (Savings) 0.10% 0.10% $5 to open
$100 average daily to obtain disclosed APY
Sprout Savings 0.10% 0.10% $5 to open
$100 average daily to obtain disclosed APY
Freedom Money Market*     $500 to open
$500 average daily to avoid $10 monthly service charge
$0-$999.99 0.10% 0.10%  
$1,000 - $4,999.99 0.50% 0.50%  
$5,000 - $14,999.99 0.55% 0.55%  
$15,000 - $24,999.99 0.65% 0.65%  
$25,000 - $49,999.99 0.75% 0.75%  
$50,000 - $99,999.99 0.85% 0.85%  
$100,000 - $249,999.99 1.24% 1.25%  
$250,000 & Over 1.35% 1.35%  
Christmas Club Savings 0.10% 0.10% No minimum to open
$100 average daily to obtain disclosed APY
Free Checking- Non Interest Bearing N/A N/A  
Reward Checking N/A N/A Click Here for Reward Checking Rates
Rates subject to change without notice.
* Fees could reduce earnings.
Minimum balance required to earn the advertised annual percentage yield.

Certificates of Deposit

TRUTH-IN-SAVINGS RATE SCHEDULE
Certificate of Deposit Interest Rate Annual Percentage Yield Minimum Balance Requirements
3 month 1.00% 1.00% $100 to open
$100 to obtain disclosed APY
6 month 1.69% 1.70% $100 to open
$100 to obtain disclosed APY
12 month 1.78% 1.80% $100 to open
$100 to obtain disclosed APY
18 month 1.83% 1.85% $100 to open
$100 to obtain disclosed APY
24 month 1.93% 1.95% $100 to open
$100 to obtain disclosed APY
36 month 1.98% 2.00% $100 to open
$100 to obtain disclosed APY
48 month 2.03% 2.05% $100 to open
$100 to obtain disclosed APY
60 month 2.18% 2.20% $100 to open
$100 to obtain disclosed APY
6 month Jumbo 1.78% 1.80% $90,000 to open
$90,000 to obtain disclosed APY
12 month Jumbo 1.88% 1.90% $90,000 to open
$90,000 to obtain disclosed APY
3 month Traditional/Roth IRA 1.00% 1.00% $100 to open
$100 to obtain disclosed APY
6 month Traditional/Roth IRA 1.69% 1.70% $100 to open
$100 to obtain disclosed APY
12 month Traditional/Roth IRA 1.78% 1.80% $100 to open
$100 to obtain disclosed APY
18 month Traditional/Roth IRA 1.83% 1.85% $100 to open
$100 to obtain disclosed APY
24 month Traditional/Roth IRA 1.93% 1.95% $100 to open
$100 to obtain disclosed APY
36 month Traditional/Roth IRA 1.98% 2.00% $100 to open
$100 to obtain disclosed APY
60 month Traditional/Roth IRA 2.18% 2.20% $100 to open
$100 to obtain disclosed APY
6 month Jumbo IRA 1.78% 1.80% $90,000 to open
$90,000 to obtain disclosed APY
12 month Jumbo IRA 1.88% 1.90% $90,000 to open
$90,000 to obtain disclosed APY
A penalty will be imposed for early withdrawal.
Rates subject to change without notice.
Minimum balance required to earn the advertised annual percentage yield.
* Personal accounts only. Rate accurate as of 1/1/20.

IRA Savings Accounts

TRUTH-IN-SAVINGS RATE SCHEDULE
Account Interest Rate Annual Percentage Yield Minimum Balance Requirements
IRA Savings     $100 to open
$100 average daily to obtain disclosed APY
$0 - $49,999.99 0.75% 0.75%  
$50,000 - $99,999.99 0.85% 0.85%  
$100,000 - $249,999.99 1.24% 1.25%  
$250,000 & over 1.34% 1.35%  
Traditional/Roth IRA Savings     $100 to open
$100 average daily to obtain disclosed APY
$0 - $49,999.99 0.75% 0.75%  
$50,000 - $99,999.99 0.85% 0.85%  
$100,000 - $249,999.99 1.24% 1.25%  
$250,000 & over 1.34% 1.35%  
Coverdell IRA Savings     $100 to open
$100 average daily to obtain disclosed APY
$0 - $49,999.99 0.75% 0.75%  
$50,000 - $99,999.99 0.85% 0.85%  
$100,000 - $249,999.99 1.24% 1.25%  
$250,000 & over 1.34% 1.35%  
HSA Single Savings
0.10% 0.10% $5 to open
$100 average daily to obtain disclosed APY
HSA Family Savings  0.10% 0.10% $5 to open
$100 average daily to obtain disclosed APY
Rates subject to change without notice.
* Fees could reduce earnings.
Minimum balance required to earn the advertised annual percentage yield.
Annual Percentage Yields posted are accurate as of July 10, 2019.

 

Fee Schedule

Effective November 10, 2014. Fees were last changed in 2006 by the Board of Directors.

ATM / Debit Card Services Withdrawals @ other ATM’s..........................................$1.00
Balance Inquiry/Transfers @ other ATM’s.....................$.50
Replacement Debit Cards.............................................$5.00
Bad Address $5.00 per month
Bad E-Mail Address $5.00 per month

Bill Payer Services
(waived if one or more payments made during the month)

$ 3.95 per month 
(waived if one or more payments made during the month)
Cashiers Checks1 $3.00 each
Check Cashing2 2% of the amount of checks being presented for cashing  on accounts with less than a $200 average daily balance
Check Printing Fee depends on style of check ordered
Close Account within 90 Days $10.00
Collection Items Varies depending on correspondent fees
Copies (4 free) $ 0.15 per page
Courtesy Pay $29.50 per item
Non-sufficient Funds (NSF) 3 $29.50 per item
Debit Card Dispute Denial Fee $30.00 each 
Executions $25 + attorney fees
Fax Services $1.00 per page
Garnishments $25 + attorney fees
Inactivity Fee $5.00 per month per inactive product 
Interest Checking (Monthly Service Charge) $7
Levies $25 + attorney fees
Money Market Savings Accounts (Monthly Service Charge) $10 per month (If average daily balance falls below $5000)
Transfer Limitations Violation $10 per item
Money Orders1 $1.50 each
Overdraft transfer from Savings, Checking or Money Market $2.00 per item
Paid Check Copies $5.00 (Two free per statement within last three statement cycles)
Printed Transaction History
(30 days or less)
$2.00 each
Research and Reconciliation $25.00 per hour with $25.00 minimum charge
Return Loan Item $10.00 
Returned Deposit Item $25.00
Safety Deposit Boxes4
Subject to Availability
Box Size  2” x   5”..................................................$20.00 annually
Box Size  2” x  10”.................................................$30.00 annually
Box size  3” x 10”...................................................$30.00 annually
Box Size  3” x  5”...................................................$20.00 annually
Box Size  5” x   5”..................................................$25.00 annually
Box Size  5” x 10”..................................................$50.00 annually
Box Size  10” x 10”................................................$90.00 annually
Statement Copies $5.00 each
Stop Payment Order $29.50 each
Telephone Balance Inquiries $2.00
Telephone Transfer $2.00 each  (Free through Touchtone Teller)
Telephone Loan Payment $15.00 each
Temporary Checks (8) $2.00 (No charge for starter checks)
VISA Gift Card $3.95 each
Domestic Wire Transfers Outgoing $15.00 each 
International Wire Transfers Outgoing $45.00 each 

 

- Free Money Orders and Cashier’s Checks with Senior Checking.
2 - Average daily balance will be based on combined total of all deposit 
accounts, loans and credit card.
- Fees may be imposed on each check, draft item, ATM card withdrawal, 
debit card, point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal that is drawn on 
an insufficient account balance.
- $300.00 Drill Fee, $175.00 Key Replacement Fee.
- An inactivity fee is assessed when an account is inactive for 6 months 
but less than 1 year.  As long as there is activity on any product under the account umbrella, the entire account is not considered inactive. 

 

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(800) 238.3228

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