Loan Rates

Auto Loan Rates

As of July 1, 2023
Rate(APR)** Term
Makes 2021-2023
6.95% – 17.30%
Up to 72 Months
Makes 2016-2020
6.95% – 17.30%
36-72 Months

Personal Loan Rates

As of July 1, 2023
Limit Rate(APR)* Term
$1,000 - $15,000
11.46% – 17.95%
Up to 48 Months

Mastercard Credit Card Rates

As of January 1, 2023
Limit Rate(APR)*
$500 - $15,000
9.45% - 17.75%

*APR = Annual Percentage Rate

The Board of Directors, as required by law, reviewed and set the rates. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.