Lowest Rate Shown Includes All Available Discounts
Reward yourself with RELATIONSHIP REWARD DISCOUNTS up to 1.25% off your Auto,
or up to 1.00% off a Personal, Boat or Recreational Vehicle Loan
When the options below are added to your loan, you'll receive the highest discounts off your rate. Rates quoted below include all available discounts, so your rate may be more. Please ask for the rate for which you qualify. Rates subject to change with cancellation of any of the options below.
RELATIONSHIP REWARD DISCOUNTS:
- 0.25% - existing checking account with average balance of $2500 or more over previous 3 months
- 0.25% - automatic payment transfer from an active MSCU checking account*
- 0.25% - Credit Life & Disability payment protection added to loan (credit disability is only waived if member is not eligible to qualify)
- 0.25% - Vehicle Service Contract purchase (autos only)
- 0.20% - Active MSCU credit card**
- 0.15% - Current or new CD with balance of $1000 or greater with a term of 6 months or greater
- $100 off - Receive $100 off GAP purchase with the Added Bundle Protection Discount (eligible bundle to include Vehicle Service Contract, Credit Life and Credit Disability)
*Active checking = Open at least 6 months with at least 5 transactions per month (other than deposits) during the previous 3 months.
**Active credit card = Open at least 3 months with at least 3 transactions (payments or charges) during the previous 3 months.
Rates Effective as of March 1, 2025
New & Used - Automobiles
| Loan Type | Term | Rate (APR) | Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
|---|---|---|---|
| Year Models - 2018 & Newer | Up to 36 Months | as low as 4.75% | |
| Year Models - 2019 & Newer | 37 - 48 Months | as low as 4.83% | |
| Year Models - 2020 & Newer | 49 - 60 Months | as low as 4.93% | $10,000 Minimum |
| Year Models - 2021 & Newer | 61 - 72 Months | as low as 5.03% | $20,000 Minimum |
| Year Models - 2024 & Newer | 73 - 84 Months | as low as 5.13% | $35,000 Minimum |
Motorcycles/4-Wheelers/Jet Skis/Boats/Recreational Vehicles
| Loan Type | Term | Rate (APR) | Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
|---|---|---|---|
| Year Models - 2019 & Newer | Up to 48 Months | as low as 6.40% | |
| Year Models - 2021 & Newer | 49 to 60 Months | as low as 6.40% | $10,000 Minimum |
| Year Models - 2019 & Newer | 73 to 84 Months* | as low as 6.43% | LT Boats/RVs $20,000 Minimum |
| Year Models - 2021 & Newer | 85 to 120 Months* | as low as 6.93% | LT Boats/RVs $25,000 Minimum |
| Year Models - 2023 & Newer | 121 to 144 Months* | as low as 7.43% | LT Boats/RVs $35,000 Minimum |
*Terms available for Boats and RVs only. Maximum term for 4 Wheelers and Jet Skis is 48 months. Maximum term for motorcycles is 72 months. Please ask for the rate for which you qualify. Longer term financing limited to those meeting certain credit criteria.
Credit Cards
| Card Type | Rate |
|---|---|
| Platinum Visa | 12.50% - 17.50% |
All cards feature no annual fees, no balance transfer fees, no cash advance fees and no penalty rates. All rates are non-variable.
Home Improvement / Home Equity (Texas properties only)
| Rate | Term | Financing |
|---|---|---|
| HI 9.24% HE 8.99% | Up to 60 Months | Minimum of $25,000; Maximum of $250,000. Loan amount is based on value of home, amount of equity, etc. Contact the loan department for details at 713.627.4000, option 2. |
| HI 9.49% HE 9.24% | 61 to 120 Months | |
| HI 9.74% HE 9.49% | 121 to 180 Months | |
| HI 9.99% HE 9.74% | 181 to 240 Months |
Loan amounts available from $25,000.00 to $250,000.00 and based on value of home, amount of equity, etc.
Contact the Loan Department for details at 713.627.4000, option 2.
Mortgage Loan
Personal Loan
| Rate | Term | Financing |
|---|---|---|
| as low as 8.73% | Up to 60 Months | Up to $35,000 ($1,000 minimum) |
Prime Plus Line-of-Credit*
| Rate | Term | Financing |
|---|---|---|
| 11.50% | N/A | Up to $35,000 |
*Ask for current rate. Rate calculated at 4% above the prime rate (not less than 8.75%) as published in the Wall Street Journal effective the last day of each quarter. Rate is subject to change without notice. Any rate change will occur 45 days after the end of the previous quarter. Rate shown is based on the prime rate as of December 2024.
Share Secured and Credit Builder Secured
| Rate | Term | Financing |
|---|---|---|
| Share Secured 3.00% over lowest tier savings rate | Up to 120 Months | Based on available shares (plus interest) |
| $1,000 Minimum | ||
| Credit Builder Secured 6.00% | Up to 24 Months | Up to $2500 ($1,000 minimum) |
| $1,000 Minimum |
Term Share Certificate Secured
| Rate | Term | Financing |
|---|---|---|
| 3.00% over certificate rate | Equal to certificate term | Based on certificate amount (plus interest) |
Credit Life and Disability Insurance are available on all MemberSource loans except for one-time payback loans.
All rates and terms are subject to individual creditworthiness and are subject to change without prior notice. All rates quoted are the lowest rates available for each category and include all available discounts. Ask for which rate you qualify.
