Rates

Rates are subject to change without notice.
**Penalty for early withdrawals may reduce earnings**

Term Share Certificates

Term Minimum Rate APY Dividends

Term Share Certificates 

Term Minimum Rate APY Dividends
3 Months
$1,000
JUMBO $95,000+
0.85%
0.85%

0.85%
0.85%
Paid at maturity
Jumbo rate requires a min balance of $95,000
6 Months
$1,000
JUMBO $95,000+
3.30%
3.30%
3.35%
3.35%
Compounded daily paid quarterly
12 Months
$1,000
JUMBO $95,000+
4.36%
4.36%
4.45%
4.45%
Compounded daily paid quarterly
18 Months
$1,000
JUMBO $95,000+
4.40%
4.40%
4.50%
4.50%
Compounded daily paid quarterly
24 Months
$1,000
JUMBO $95,000+
4.21%
4.21
4.30%
4.30%
Compounded daily paid quarterly
30 Months $1,000 - $94,999.99
JUMBO $95,000+
4.21%
4.21%
4.30%
4.30%
Compounded daily paid quarterly

36 Months
$1,000
JUMBO $95,000+
4.07%
4.07%
4.15%
4.15%
Compounded daily paid quarterly
42 Months
$1,000
JUMBO $95,000+
4.07%
4.07%
4.15%
4.15%
Compounded daily paid quarterly
48 Months
$1,000
JUMBO $95,000+
4.07%
4.07%
4.15%
4.15%

Compounded daily paid quarterly
60 Months
$1,000
JUMBO $95,000+
4.07%
4.07%
4.15%
4.15%
Compounded daily paid quarterly

IRA Traditional/Roth/Educational/SEP

Passbook $50 0.30% 0.30%
Paid quarterly

IRA Share Certificate

12-60 Months $1,000 Same as Certificates listed above

Health Savings Account


Minimum Rate APY Dividends

$100 0.05% 0.05% Paid Monthly

Money Market

Term Range Rate APY Dividends
Daily Balance Method Under $2,500 0.00% 0.00% Paid Monthly
Daily Balance Method $2,500-$24,999.99 0.30% 0.30% Paid Monthly
Daily Balance Method
$25,000-$74,999.99 0.35% 0.35% Paid Monthly
Daily Balance Method
$75,000-$149,999.99 0.40% 0.40% Paid Monthly
Daily Balance Method
Over $150,000 0.50% 0.50% Paid Monthly

Christmas Club





Term
Range
Rate
APY
Dividends
Special Account $5 0.05% 0.05% Paid Monthly

Share Draft Checking





Daily Balance Method
$0-$1,249 0.00% 0.00% Paid Monthly
Daily Balance Method
$1,250 & over 0.05% 0.05% Paid Monthly

Share Account





Daily Balance Method
$0-$4.99 0.00% 0.00% Paid Quarterly
Daily Balance Method
$5-$999.99 0.05% 0.05% Paid Quarterly
Daily Balance Method
$1000-$2,499.99 0.05% 0.05% Paid Quarterly
Daily Balance Method
$2,500 & over 0.05% 0.05% Paid Quarterly

Minor Account





Term
Minimum
Rate
APY Dividends
Under Age 18 $1 0.05% 0.05% Paid Quarterly

Golden Star Club





Members 55 & older
Must maintain
$1,000 in any
account excluding
checking
Same as
Share Acct

Paid Quarterly

Apply Online

*All money is eligible for special. At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalty will apply. Limited time offer.

Effective January 2022

**Rates are subject to change without notice, special promotional rates do not apply to loans already financed at the Credit Union.**

Auto Loans

Term Minimum Rate
Loan Types Terms Annual Percentage Rate
2020, 2021, 2022 Models Up to 36 Months As low as 6.04%

Up to 66 Months As low as 6.54%

Up to 75 Months As low as 7.14%

Up to 84 Months As low as 8.14%




2016, 2017, 2018, 2019 Models

Up to 36 Months As low as 6.54%


Up to 66 Months As low as 7.04%


Up to 75 Months As low as 7.64%




2012, 2013, 2014, 2015 Models

Up to 48 Months As low as 7.76%


Up to 66 Months As low as 7.95%

Apply Online

*All money is eligible for special. At maturity, cerficate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalty will apply. Limited time offer.

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 Costs

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

Certificate Secured

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.


A Share Secured loan uses your Greater Texas Savings Account as loan collateral. Loans secured by a Savings Account will require a monthly payment and rate will be based on amount borrowed and term length. Eligibility is determined by the Savings balance. Members can receive up to 100% of the value of their Savings account.


GAP and Auto Warranty

Auto loans that include purchase of Greater Texas | Aggieland Credit Union GAP and Auto Warranty will receive a 0.25% APR discount.

Rates are subject to change without notice.

Credit Cards

Term Minimum
Interest Charges Interest Rates for card types
Annual Percentage Rate (APR) for Purchases

Platinum
9.24% to 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Classic
7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Shared Secured
16.00% This APR is fixed rate.

APR for Cash Advances
Platinum
9.24% to 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
 
Classic
7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
 
Shared Secured
16.00% This APR is fixed rate.
APR for Balance Transfers
Platinum
9.24% to 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Classic
7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Shared Secured
16.00% This APR is a fixed rate.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.


Fees

Transaction Fees
Cash Advance $2.00 or 1% of the amount of each cash advance, whichever is greater. 
Foreign Transaction 1% of each transaction in U.S. Dollars
Penalty Fees

Late Payment $25.00 
Returned Payment $26.00 
Statement Copy $2.00
Emergency Card Replacement $55.00
Rush Fee $5.00 
Pay Online / Automated Phone FREE
Pay by phone with representative $10.00

Apply Online

How We Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Effective Date.
The information about the costs of the card described in the application is accurate as of January 10, 2017. This information may have changed after that date. To find out what may have changed Contact us.

*All money is eligible for special. At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalty will apply. Limited time offer.


Rates are subject to change without notice.

Home Equity Loans

Term Minimum Rate
Term
1st Mortgage/Lien
Annual Percentage Rate
2nd Mortgage/Lien
Annual Percentage Rate
Up to 5 years $10,000 min

$18.26 per $1,000 borrowed @ 5.170%
$18.48 per $1,000 borrowed @ 5.920%

As low as 5.170% As low as 5.920%

Up to 10 years $10,000 min

$10.19 per $1,000 borrowed @ 5.370%
$10.43 per $1,000 borrowed @ 6.120%

As low as 5.370% As low as 6.120%

Up to 15 years $25,000 min

$7.85 per $1,000 borrowed @ 5.760%
$8.11 per $1,000 borrowed @ 6.510%

As low as 5.760% As low as 6.510%

Up to 20 years $25,000 min

$6.68 per $1,000 borrowed @ 6.300%
$6.96 per $1,000 borrowed @ 7.050%

As low as 6.300% As low as 7.050%

Apply Online

To apply for a Home Equity fill out 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%, Greater Texas will require a certified appraisal to determine the value of the property.
Rates are subject to change without notice.

Other Loans

Term Minimum Rate
Loan Types Terms Annual Percentage Rate
Secured Loans: Boats / RVs / Travel Trailers*

Up to 36 months As low as 6.19%

Up to 75 months As low as 7.29%

Up to 120 months As low as 9.39%
*Due to recent compliance regulations, Greater Texas is unable to finance Park Model RV’s/Homes/House Boats.
Other Secured Loans: Motorcycles /Off-road Vehicles / Jet Skis / NEW Horse or Stock Travel Trailers

Up to 36 Months As low as 8.19%

Up to 66 Months As low as 8.69%

Up to 75 Months
As low as 9.29%

Up to 84 Months
As low as 10.29%
Signature / Line Of Credit / Overdraft
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.

Varies 9.99%–18.00%
Share Secured

Up to 60 Months
4.99%
Certificate Secured
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 Loan

10 Months
As low as 9.49%

Apply Online

Annual Percentage Rate (APR)
The APR you receive for the subaccounts (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.

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

Certificate Secured
Loans secured by a Share Certificate (CD loans) with a term of 36 months or longer will require a monthly payment. The APR will be the dividend rate being paid on the Shared Certificate of Deposit as security (index) plus approved margin. The approximate term of the advance may not exceed the term of the certificate offered as security for a certificate secured loan. The APR and daily periodic rate will be disclosed on the Closed-End Note at the time of the advance