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Copyright © 2011 WesTex Community Credit Union

 

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RATES

Risk-Based | Savings | Certificates

 

 

 

FIXED RATE LOANS: When the *Annual Percentage Rate you select is a Fixed Rate, this is the interest rate you will pay for the life of the sub-account unless you are notified under the "Change in Terms" provision of your Open End Credit Plan Agreement. The payment, once determined, does not change as the outstanding balance declines. If the outstanding balance is less than the stated payment, then the monthly payment is the full balance plus interest to date.

**CREDIT RATING = FICO SCORE

FICO SCORING SYSTEM

A+ = 750 OR MORE

A = 700-749

B = 650-699

C = 600-649

D = 500-599

E = 400-499

 

Credit Rating**

 

A+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

60 months

4.90%

5.90%

7.90%

10.90%

12.90%

14.90%

61 - 72 months

5.15%

6.15%

8.15%

11.15%

13.15%

15.15%

New Vehicles

Credit Rating**

 

A+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

Up to 72 months

6.9%

7.90%

9.90%

12.90%

14.90%

16.90%

Used Vehicles

Credit Rating**

 

A+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

36 months

18.00%

18.00%

18.00%

18.00%

18.00%

18.00%

Overdraft Protection

Credit Rating**

 

A+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

6 months

9.00%

10.00%

12.00%

15.00%

17.00%

18.00%

Signature: $500.00 or less

Signature: $501.00 - $1,000.00

Credit Rating**

 

A+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

12 months

9.00%

10.00%

12.00%

15.00%

17.00%

18.00%

Signature: $1,001.00 - $2,000.00

Credit Rating**

 

A+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

24 months

9.00%

10.00%

12.00%

15.00%

17.00%

18.00%

Signature: $2,001.00 - and over

Credit Rating**

 

+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

36 months

9.00%

10.00%

12.00%

15.00%

17.00%

18.00%

Consumer Goods

Credit Rating**

 

+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

36 months

8.00%

9.00%

10.00%

13.00%

15.00%

17.00%

Certificate of Deposit Secured

Credit Rating**

 

+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

Maturity Date of Certificate

2.0% Above

2.0% Above

2.0% Above

2.0% Above

2.0% Above

2.0% Above

All Except Certificates of Deposits Secured

Credit Rating**

 

+

APR*

 

A

APR*

 

B

APR*

 

C

APR*

 

D

APR*

 

E

APR*

 

36 months

2.0% Above

2.0% Above

2.0% Above

2.0% Above

2.0% Above

2.0% Above

37 - 60 months

4.0% Above

4.0% Above

4.0% Above

4.0% Above

4.0% Above

4.0% Above

Savings

 

Minimum Balance

 

Dividend Rate

 

APY*

 

Term

 

Shares

 

$ 25.00

 

0.50

 

0.501

 

n/a

 

Checking

 

$ 25.00

 

0.00

 

0.00

 

n/a

 

EMMA

 

$ 25.00

 

0.00

 

0.00

 

n/a

 

Christmas Club

 

$ 25.00

 

0.50

 

0.501

 

n/a

 

Certificates

 

Minimum Deposit

 

Interest Rate

 

APY*

 

Term

 

1 year: $ 500.00 - $49,999.99

 

$500.00

 

.75

 

.752

 

12

 

1 year: $ 50,000.00 - $99,999.99

 

$50,000.00

 

 .75

 

 .752

 

12

 

1 year: $ 100,0000.00 - $249,999.99

 

$100,000.00

 

.75

 

 .752

 

12

 

1 year: $ 250,000.00 or more

 

$250,000.00

 

 1.00

 

 1.004

 

12

 

IRAs

 

$500.00

1.00

 

1.004

 

n/a

 

*APY = Annual Percentage Yield

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As of January 1, 2012

 

 

 

 

*APY = Annual Percentage Yield

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*APR = Annual Percentage Rate

Rates do not reflect possible Loyalty Rewards

 

Loyalty Rewards may be given for Length of Membership, Satisfactory Paid Loans and Discounts for Qualified Products.

Discounts are not available on Share Secured Loans, Credit Cards, or Loan Specials

Required share deposit of $100.00 offered as security must remain on deposit until the advance is paid in full. Failure to do so may result in default under the agreement. The APR charged is subject to the State's interest rate limitations.

 

Late Payments: After ten days, 10% of payment amount, not to exceed $50.00.

Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

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As of January 1, 2012