APY = Annual Percentage Yield. Rates effective as of 9/1/2022. Fees may reduce earnings. All rates subject to change at any time without notice.
Savings Accounts Learn More
| Account | Minimum to Open | Amount to earn Dividends | Rate | APY |
|---|---|---|---|---|
| Share Savings | $5 | Under $100 | 0.00% | 0.00% |
| $100.01 to $100,000 | 0.10% | 0.10% | ||
| Holiday Club | $0 | $100 | 0.00% | 0.00% |
| IRA Savings | $100 | $100 | 0.20% | 0.20% |
| Youth Savings | $5 | $5 | 1.00% | 1.005% |
*All Deposits Greater Than $100,000 will Pay a Rate of 0.00%
Fees or other conditions could reduce earnings on the account. These rates are dependent upon the earnings of the credit union and cannot be guaranteed. APY is Annual Percentage Yield, APR is Annual Percentage Rate. Savings Rates are variable and subject to change at any time.
Loan Rates
Rates are effective as of 5/20/2024
Most loan rates are based upon your credit score. Rates and terms are subject to change at any time. All rates are Annual Percentage Rates (APR). Austin FCU NMLS # 779853
New Vehicles Learn More
| Term | Minimum Loan Amount | APR | Monthly Payment per $1000 |
|---|---|---|---|
| 84 months | $35,000 | 6.29% to 8.49% | $14.74 to $15.83 |
| 75 months | $20,000 | 5.74% to 17.90% | $15.89 to $22.24 |
| 66 months | < $20,000 | 5.49% to 16.05% | $17.58 to $22.90 |
Term restrictions apply. Rates available for current and previous model years with less than 5,000 miles at purchase. All rates are annual percentage rates (APR). All rates quoted are eligible for a .25% discount for online application, and a 0.25% discount when primary applicant has had an active checking account for at least 90 days.
Used Vehicles
| Term | Minimum Loan Amount | APR | Monthly Payment per $1000 |
|---|---|---|---|
| 75 months | $20,000+ | 5.74% to 17.90% | $15.89 to $22.24 |
| 66 months | <$20,000 | 5.49% to 16.05% | $17.58 to $22.90 |
| 60 months | 5.74% to 16.05% | $19.21 to $24.34 | |
| 54 months | 5.74% to 16.05% | $23.36 to $28.36 | |
| 48 months | 5.74% to 16.05% | $23.36 to $28.36 |
All rates are Annual Percentage Rates. All rates quoted are eligible for a .25% discount for online application, and a 0.25% discount when primary applicant has had an active checking account for at least 90 days. Maximum term contingent upon vehicle value, mileage, and condition. Vehicles must be model year 10 years old or newer and mileage cannot exceed 100,000 (term restrictions may apply for mileage over 80,000). No salvage or bonded titles. All parties on registration must be on the loan.
Other Secured Loans
| Maximum Term | APR | Monthly Payment per $1000 |
|---|---|---|
| 60 months | 6.25% to 15.50% | $19.45 to $24.05 |
| 120 months | 7.25% to 14.00% | $11.74 to $15.53 |
| 144 months | 7.25% to 14.00% | $9.89 to $14.37 |
| 180 months | 8.25% to 13.50% | $9.70 to $12.98 |
Miscellaneous secured and titled collateral over $30,000 including Motorcycles, RVs, Travel trailers, boats, etc.
Term restrictions apply based on the amount of loan and collateral pledged. All rates are annual percentage rates (APR)
Credit Cards Learn More
| Card Type | Annual Fee | APR |
|---|---|---|
| Mastercard | $0 | 9.90% to 15.90% |
Personal Loans Learn More
| Maximum Term | APR | Monthly Payment per $1000 |
|---|---|---|
| 48 months | 10.90% to 17.90% | $25.80 to $29.32 |
| 36 months | 9.90% to 17.90% | $32.22 to $36.10 |
| 24 months | 9.90% to 17.90% | $87.87 to $91.63 |
| 18 months | 9.90% to 17.90% | $60.01 to $63.76 |
Home Equity Loans Learn More
|
Term |
Minimum Loan Amount |
First Lien Rate* as low as |
Monthly Payment per $1000 |
|
60 months |
$20,000 |
6.25% |
$19.51 |
|
120 months |
$20,000 |
6.74% |
$11.51 |
|
180 months |
$35,000 |
6.99% |
$9.01 |
|
240 months |
$50,000 |
7.24% |
$7.93 |
*APR (Annual percentage rate) will vary depending on closing costs. Add 0.50% to the stated rate for second lien. Max LTV 80%. Terms, conditions and credit qualifications apply. No rate discounts apply. Austin FCU NMLS #779853
