Share Savings Accounts
| Term | Minimum | Rate | APY |
|---|---|---|---|
| Daily Balance Method |
$0-$4.99 | 0.00% | 0.00% |
| Daily Balance Method |
$5-$999.99 | 0.05% | 0.05% |
| Daily Balance Method |
$1000-$2,499.99 | 0.05% | 0.05% |
| Daily Balance Method |
$2,500 & over | 0.05% | 0.05% |
Dividends paid quarterly.
Share Draft Checking Accounts
| Term | Minimum | Rate | APY |
|---|---|---|---|
| Daily Balance Method |
$0-$1,249 | 0.00% | 0.00% |
| Daily Balance Method |
$1,250 & over | 0.05% | 0.05% |
Dividends paid monthly.
Minor Accounts (for members under age 18)
| Term | Minimum | Rate | APY |
|---|---|---|---|
| Under Age 18 | $1 | 0.05% | 0.05% |
Dividends paid quarterly
Golden Star Club Accounts (for Members 55 and older)
| Term | Minimum | Rate | APY |
|---|---|---|---|
| Daily Balance Method |
$0-$4.99 | 0.00% | 0.00% |
| Daily Balance Method |
$5-$999.99 | 0.05% | 0.05% |
| Daily Balance Method |
$1000-$2,499.99 | 0.05% | 0.05% |
| Daily Balance Method |
$2,500 & over | 0.05% | 0.05% |
Must maintain $1,000 in any account excluding checking. Dividends paid quarterly.
Term Share Certificates/Certificates of Deposit
| Term | Minimum | Rate | APY |
|---|---|---|---|
| 3 Months |
$1,000
JUMBO $95,000+
|
0.75%
0.75%
|
0.75%
0.75%
|
| 6 Months |
$1,000
JUMBO $95,000+
|
3.92%
3.92%
|
4.00%
4.00%
|
| 12 Months |
$1,000
JUMBO $95,000+
|
4.07%
4.07%
|
4.15%
4.15%
|
| 18 Months |
$1,000
JUMBO $95,000+
|
3.92%
4.07%
|
4.00%
4.15%
|
| 24 Months |
$1,000
JUMBO $95,000+
|
3.78%
3.92%
|
3.85%
4.00%
|
| 30 Months | $1,000 - $94,999.99 JUMBO $95,000+ |
3.44% 3.92% |
3.50%
4.00%
|
| 36 Months |
$1,000
JUMBO $95,000+
|
3.44%
3.68%
|
3.50%
3.75%
|
| 42 Months |
$1,000
JUMBO $95,000+
|
3.44%
3.68%
|
3.50%
3.75%
|
| 48 Months |
$1,000
JUMBO $95,000+
|
3.45%
3.59%
|
3.50%
3.65%
|
| 60 Months |
$1,000
JUMBO $95,000+
|
3.45%
3.59%
|
3.50%
3.65%
|
3 months: Compounded daily, paid monthly.
6 - 60 months: Compounded daily, paid quarterly.
IRA Term Share Accounts/Certificates of Deposit
| Term | Minimum | Rate | APY |
|---|---|---|---|
| 3 Months |
$1,000
JUMBO $95,000+
|
0.75%
0.75%
|
0.75%
0.75%
|
| 6 Months |
$1,000
JUMBO $95,000+
|
3.92%
3.92%
|
4.00%
4.00%
|
| 12 Months | $1,000 JUMBO $95,000+ |
4.07%
4.07%
|
4.15%
4.15%
|
| 18 Months | $1,000 JUMBO $95,000+ |
3.92%
4.07%
|
4.00%
4.15%
|
| 24 Months | $1,000 JUMBO $95,000+ |
3.78%
3.92%
|
3.85%
4.00%
|
| 30 Months |
$1,000
JUMBO $95,000+
|
3.44% 3.92% |
3.50%
4.00%
|
| 36 Months | $1,000 JUMBO $95,000+ |
3.44%
3.68%
|
3.50%
3.75%
|
| 42 Months | $1,000 JUMBO $95,000+ |
3.44%
3.68%
|
3.50%
3.75%
|
| 48 Months | $1,000 JUMBO $95,000+ |
3.45%
3.59%
|
3.50%
3.65%
|
| 60 Months |
$1,000
JUMBO $95,000+
|
3.45%
3.59%
|
3.50%
3.65%
|
3 months: Compounded daily, paid monthly.
6 - 60 months: Compounded daily, paid quarterly.
IRA Traditional, Roth, Educational, SEP Accounts
| Term | Minimum | Rate | APY |
|---|---|---|---|
| Passbook | $50 | 0.30% | 0.30% |
Dividends paid quarterly.
Health Savings Accounts
| Term | Minimum | Rate | APY |
|---|---|---|---|
| N/A | $100 | 0.05% | 0.05% |
Dividends paid monthly.
Money Market Accounts
| Term | Minimum | Rate | APY |
|---|---|---|---|
| Daily Balance Method | Under $2,500 | 0.00% | 0.00% |
| Daily Balance Method | $2,500-$24,999.99 | 0.30% | 0.30% |
| Daily Balance Method | $25,000-$74,999.99 | 0.35% | 0.35% |
| Daily Balance Method | $75,000-$149,999.99 | 0.40% | 0.40% |
| Daily Balance Method | Over $150,000 | 0.50% | 0.50% |
Dividends paid monthly.
Christmas Club Accounts
| Term | Minimum | Rate | APY |
|---|---|---|---|
| Daily Balance Method | $5 | 0.05% | 0.05% |
Dividends paid monthly.
APY = Annual Percentage Yield. At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings. Subject to change without notice. Rates Effective as of 02/2025
Auto Loans (2023 and Newer)
Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty! Ask for details.
| Terms Up To | APR As Low As |
|---|---|
| 36 Months |
5.25%
|
| 66 Months |
6.04% (Opens in a new Window)
|
| 75 Months |
6.49%
|
| 84 Months |
7.46% (Opens in a new Window)
|
Auto Loans (2019 - 2022)
Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty! Ask for details.
| Terms Up To | APR As Low As |
|---|---|
| 36 Months |
5.75%
|
| 66 Months |
6.54%
|
| 75 Months |
6.99%
|
Auto Loans (2015 - 2018)
Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty! Ask for details.
| Terms Up To | APR As Low As |
|---|---|
| 48 Months |
6.97%
|
| 66 Months |
7.45%
|
Secured Boat, RV, or Travel Trailer Loans
| Terms Up To | APR As Low As |
|---|---|
| 36 months |
5.40%
|
| 75 months |
6.64%
|
| 120 months |
8.71%
|
Secured Motorcycles, Off-road Vehicles, Jet Skis, and New Horse/Stock Travel Trailer Loans
| Terms Up To | APR As Low As |
|---|---|
| 36 Months |
7.40%
|
| 66 Months |
8.19%
|
| 75 Months |
8.64%
|
| 84 Months |
9.61%
|
Related Disclosures
Maximum age of a used motor vehicle to be eligible for financing is ten (10) years from the current calendar year. The age of the vehicle will determine the length of financing terms. To be eligible for financing, a used motor vehicle’s mileage must be less than 150,000 miles. Greater Texas is unable to finance out of state vehicles. Contact us for more information on out of state vehicle transactions.
Annual Percentage Rate (APR): The APR you receive for the sub accounts (except Share-Secured, Stock-Secured, and Certificate-Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive. Rates are guaranteed for 30 days from pre-approval notice.
Late Charge: You will pay 20% of the interest due if payment is more than 10 days late. Minimum $0.05 - $100.00 maximum.
Collection Fees: You are responsible for all costs of collecting the amount you owe including court costs and reasonable attorney fees.
Cash Back Credit Card
| Transaction Type | Annual Percentage Rate (Variable) |
|---|---|
| Purchases |
16.99% to 18.00%1 | Apply Now » (Opens in a new Window) |
| Cash Advances |
16.99% to 18.00%1 | Apply Now » (Opens in a new Window) (Opens in a new Window)
|
| Balance Transfers |
16.99% to 18.00%1 | Apply Now » (Opens in a new Window)
|
1: When you open your account, based on your creditworthiness. APR varies with the market based on the Prime Rate.
Preferred Rate Credit Card
| Rate Type | Annual Percentage Rate (Variable) |
|---|---|
| Purchases |
12.99% to 17.99%1 | Apply Now » (Opens in a new Window) (Opens in a new Window) |
| Cash Advances | 12.99% to 17.99%1 | Apply Now » (Opens in a new Window) (Opens in a new Window) |
| Balance Transfers |
12.99% to 17.99%1 | Apply Now » (Opens in a new Window)
|
1: When you open your account, based on your creditworthiness. APR varies with the market based on the Prime Rate.
Share-Secured Credit Card
We use a method called "average daily balance" (including new purchases) method to calculate your balance. Rates and terms subject to change without notice.
| Rate Type | Annual Percentage Rate (Fixed) |
|---|---|
| Purchases |
16.00% | Apply Now » (Opens in a new Window) (Opens in a new Window) |
| Cash Advances | 16.00% | Apply Now » (Opens in a new Window) |
| Balance Transfers |
16.00% | Apply Now » (Opens in a new Window)
|
Related Fees
Transaction Fees
| Fee | |
|---|---|
| Cash Advance | $2 or 1% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction | 1% of each transaction in U.S. Dollars |
Penalty Fees
| Fee | Minimum |
|---|---|
| Late Payment | $25 |
| Returned Payment | $26 |
| Statement Copy | $2 |
| Emergency Card Replacement | $55 |
| Rush Fee | $5 |
| Pay Online / Automated Phone | $0 |
| Pay by phone with representative | $10 |
We use a method called "average daily balance" (including new purchases) method to calculate your balance. Rates and terms subject to change without notice.
Home Equity Loans
First Mortgage/Lien
| Terms Up To | Minimum | APR As Low As |
|---|---|---|
5 years
|
$10,000 |
5.670% |
10 years |
$10,000 |
5.870%Apply Now » (Opens in a new Window)
$11.04 per $1,000 borrowed @ 5.870% |
15 years |
$25,000 |
6.260% |
20 years |
$25,000 |
6.800% |
Second Mortgage/Lien
| Terms Up To | Minimum | APR As Low As |
|---|---|---|
5 years
|
$10,000 |
6.670%Apply Now » (Opens in a new Window)
$19.66 per $1,000 borrowed @ 6.670% |
10 years |
$10,000 |
6.870%Apply Now » (Opens in a new Window)
$11.55 per $1,000 borrowed @ 6.870% |
15 years |
$25,000 |
7.260% |
20 years |
$25,000 |
7.800% |
To apply for a Home Equity Loan complete the application and return it to us along with the following:
- Mortgage Fraud Warning
- Written verification of all household income. If self employed, we need last 2 years tax returns.
- A tax statement
- Your deed of trust
- Your Homeowners Insurance Policy
- Your Mortgage Balance
- For Home Improvement we will also need a contractor's bid.
- Minimum of $10,000.00 must be borrowed to refinance current loans.
- When the new loan amount is $100,000. or more and the total Loan to Value Ratio of the property is more than 65%, Aggieland Credit Union will require a certified appraisal to determine the value of the property.
*APR=Annual Percentage Rate. Stated rate is for new loans only. Minimum $10,000 new cash. Actual rate may vary depending on credit qualifications. No additional rate discounts apply. Terms and conditions apply. Subject to change without notice. Equal Housing Lender.
Signature Loans, Lines of Credit, or Overdraft Protection Loans
| Term | APR |
|---|---|
| Varies |
12.99% to 18.00%
|
*Line of Credit and Overdraft Protection will be disbursed in increments of $100.00. Payments on Signature loans will be set at $35 per $1,000 borrowed.
Share-Secured Loans
| Terms Up To | APR As Low As |
|---|---|
| Up to 60 Months |
4.99%
|
Certificate-Secured Loans
| Loan Details |
|---|
| Maximum loan advance is 90% of available certificate. Maximum term cannot exceed maturity date plus 1 day 4.49% over earned rate. For certificates with 48 months or more left on its term, maximum loan advance is 75% of available certificate value. |
Emergency Loans
| Terms Up To | APR As Low As |
|---|---|
| 10 Months |
10.99%
|
Related Disclosures
Certificate-Secured Loans: Certificate-Secured loan uses your Term Share Certificate of Deposit Account as loan collateral. Loans secured by a Share Certificate (CD loans) with a term longer than 180 days will require a monthly payment. Eligibility is determined by the CD balance. Members can receive up to 100% of the value of their share certificate.
