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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/Used Autosa

Fewer than 100,000 miles
Used Auto maximum term is 72 months

36 Months 1.99%
48 Months 1.99%
60 Months 2.24%
72 Monthsb 2.49%b
84 Monthsc 3.99%c
Older Used Autosa
2003 - 2008 Models
Fewer than 100,000 miles
36 Months 2.24%
48 Months 2.24%
60 Months 2.49%

New RVs, Motorcycles, Boats & ATVsa
2013 - 2015, untitled

New ATV Maximum Term is 72 months

36 Months 3.99%
48 Months 5.49%
60 Months 6.99%
72 Monthse 6.99%e
84 Monthsd 6.99%d
120 Monthsd 6.99%d
144 Monthsd 6.99%d
180 Monthsd 6.99%d

Used RVs, Motorcycles, Boats & ATVsa

Used ATV Maximum Term is 48 months

36 Months 4.74%
48 Months 7.24%
60 Months 7.24%
72 Monthse 7.24%e
84 Monthsd 7.74%d
120 Monthsd 7.74%d
144 Monthsd 7.74%d
aCertain terms, conditions and or discounts apply.  bMinimum finance amount is $15,000.  
cMinimum finance amount is $25,000.  dMinimum finance amount is $30,000.
eMinimum finance amount is $7,500. The rates listed above include all applicable discounts.

New Vehicle Loan Payment Example

Loan Amount $20,000
Interest Rate 2.99%
Term of the Loan 60 Months
Monthly Payment $359.28

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Personal Loans, Line of Credit & Master Card

Loan Type

Repayment Terms

Annual Percentage Rate 
As Low As

Personal or Signature Loan 36 Months 5.49%
48 Months 9.49%
60 Months 10.49%
Qwik Loan Line of Credit/Overdraft 14.00%
MasterCard 7.99%
MasterCard Platinum 7.99%
Download the Summary of Terms

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Secured Loans

Loan Type

Repayment Terms

Annual Percentage Rate As Low As

Stock Secured - Single Pay, Quarterly Pay 12 - 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 Collateral 36 Months 7.50%
48 Months 7.75%
60 Months 8.00%
LATE CHARGES: If any payment is made more than 14 days after it is due, you may be charged a late charge which shall not exceed 5% of your minimum payment, but not less than $5.00 and not greater than $35.
COLLECTION COST: You promise to pay all cost of collecting the amount you owe under this agreement including cort 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 voucher.

Annual Percentage Rates posted are accurate as of January 2, 2015.

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 3.96% 80% of the value of the property less any mortgages
10 Call for Rates 80% of the value of the property less any mortgages
15 Call for Rates 80% of the value of the property less any mortgages
20 Call for Rates 80% of the value of the property less any mortgages

*Annual Percentage Rate is based on loan amount of $100,000 at 3.75% for 5 years.

One of the advantages of Home Equity Loan is that, in most cases, the interest paid on these loans is tax deductible. All loans subject to credit approval.

*Please check with your tax advisor for details.

Your rate will be fixed. Payment example: If you borrow $100,000 at 3.75%, the APR for 5 years is 3.96%, your monthly payment for 59 months would be $1,830.59 and one final payment of $1,830.54, 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 80% - WHAT YOU OWE ON HOME = WHAT YOU CAN BORROW

Home Equity Loan Payment Example

Loan Amount $100,000
Interest Rate 3.96%
Term of the Loan 5 Years
Monthly Payment $1,830.59

 

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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 6.195% 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 6.00%, the APR for 10 years in a second lien position, your monthly payment for 119 months would be $555.10 and one final payment of $555.40, 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 6.195%
Term of the Loan 10 Years
Monthly Payment $555.40

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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% $486.62
12 10.875% $525.61
12 12.875% $562.45
12 14.875% $596.67
12 16.875% $627.79
12 18.875% $655.30
47 19.750% $665.48
1 19.750% $664.91

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
Money Market Savings* $5,000 to open
$5,000 average daily to avoid $10 monthly service charge
$0-$4,999.99 0.05% 0.05%
$5,000-$14,999.99 0.10% 0.10%
$15,000-24,999.99 0.20% 0.20%
$25,000 + 0.30% 0.30%
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
Interest Checking
$700-$4,999.99 0.05% 0.05%
$5,000-$14,999.99 0.05% 0.05%
$15,000+ 0.10% 0.10%
Senior Checking
$700-$4,999.99 0.05% 0.05%
$5,000-$14,999.99 0.05% 0.05%
$15,000+ 0.10% 0.10%
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 .15% .15% $1,000 to open
$1,000 to obtain disclosed APY
6 month .30% .30% $1,000 to open
$1,000 to obtain disclosed APY
12 month .54% .55% $1,000 to open
$1,000 to obtain disclosed APY
18 month .74% .75% $1,000 to open
$1,000 to obtain disclosed APY
24 month .94% .95% $1,000 to open
$1,000 to obtain disclosed APY
36 month 1.24% 1.25% $1,000 to open
$1,000 to obtain disclosed APY
48 month 1.44% 1.45% $1,000 to open
$1,000 to obtain disclosed APY
60 month 1.74% 1.75% $1,000 to open
$1,000 to obtain disclosed APY
6 month Jumbo .40% .40% $90,000 to open
$90,000 to obtain disclosed APY
12 month Jumbo .79% .80% $90,000 to open
$90,000 to obtain disclosed APY
3 month Roth IRA .15% .15% $1,000 to open
$1,000 to obtain disclosed APY
6 month Roth IRA .30% .30% $1,000 to open
$1,000 to obtain disclosed APY
12 month Roth IRA .54% .55% $1,000 to open
$1,000 to obtain disclosed APY
18 month Roth IRA .74% .75% $1,000 to open
$1,000 to obtain disclosed APY
24 month Roth IRA .94% .95% $1,000 to open
$1,000 to obtain disclosed APY
36 month Roth IRA 1.24% 1.25% $1,000 to open
$1,000 to obtain disclosed APY
60 month Roth IRA 1.74% 1.75% $1,000 to open
$1,000 to obtain disclosed APY
6 month Jumbo IRA .40% .40% $90,000 to open
$90,000 to obtain disclosed APY
12 month Jumbo IRA .79% .80% $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.

IRA Savings Accounts

TRUTH-IN-SAVINGS RATE SCHEDULE
Account Interest Rate Annual Percentage Yield Minimum Balance Requirements
IRA Savings .50% .50% $100 to open
$100 average daily to obtain disclosed APY
Roth IRA Savings .50% .50% $100 to open
$100 average daily to obtain disclosed APY
Coverdell IRA Savings .50% .50% $100 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 February 11, 2015.

 

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(800) 238.3228

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