Loan Rates
Vehicle Loan Rates
As of July 1, 2023
| Make Year | Rate (APR*) | Term |
|---|---|---|
| 2020-2024 | 6.95% - 17.30% | 36 - 72 months |
| 2019 | 6.95% - 16.30% | 36 - 60 months |
| 2018 | 6.95% - 16.30% | 36 - 48 months |
| 2017 | 6.95% - 10.90% | 36 months |
Personal Loan Rates
As of July 1, 2023
| Rate (APR*) | Term |
|---|---|
| 11.46% - 17.95% | Up tp 48 months |
Back-to-School Rate
As of August 1, 2023
| Rate (APR*) | Term |
|---|---|
| 15.00% | 15 months |
Low-Interest Credit Cards
| Credit Card | Rate (APR*) | Limit |
|---|---|---|
| Regular Mastercard | 9.45% - 17.75% | $1,000 - $15,000 |
| Platinum Mastercard | 9.45% - 17.75% | $1,000 - $20,000 |
*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.
