Rates

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+
1.24%
1.24%
1.25%
1.25%
6 Months
$1,000
JUMBO $95,000+
3.30%
3.30%
3.35%
3.35%
12 Months
$1,000
JUMBO $95,000+
4.64%
4.64%
4.75%
4.75%
18 Months
$1,000
JUMBO $95,000+
4.59%
4.59%
4.70%
4.70%
24 Months
$1,000
JUMBO $95,000+
4.31%
4.31%
4.40%
4.40%
30 Months $1,000 - $94,999.99
JUMBO $95,000+
4.31%
4.31%
4.40%
4.40%
36 Months
$1,000
JUMBO $95,000+
3.92%
3.92%
4.00%
4.00%
42 Months
$1,000
JUMBO $95,000+
3.92%
3.92%
4.00%
4.00%
48 Months
$1,000
JUMBO $95,000+
3.78%
3.78%
3.85%
3.85%
60 Months
$1,000
JUMBO $95,000+
3.78%
3.78%
3.85%
3.85%


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+
1.24%
1.24%
1.25%
1.25%
6 Months
$1,000
JUMBO $95,000+
3.30%
3.30%
3.35%
3.35%
12 Months $1,000
JUMBO $95,000+
4.64%
4.64%
4.75%
4.75%
18 Months $1,000
JUMBO $95,000+
4.59%
4.59%
4.70%
4.70%
24 Months $1,000
JUMBO $95,000+
4.31%
4.31%
4.40%
4.40%
30 Months
$1,000
JUMBO $95,000+
4.31%
4.31%
4.40%
4.40%
36 Months $1,000
JUMBO $95,000+
3.92%
3.92%
4.00%
4.00%
42 Months $1,000
JUMBO $95,000+
3.92%
3.92%
4.00%
4.00%
48 Months $1,000
JUMBO $95,000+
3.78%
3.78%
3.85%
3.85%
60 Months
$1,000
JUMBO $95,000+
3.78%
3.78%
3.85%
3.85%

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. 

Open Your Account Online


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 10/18/2023

Auto Loans (2022 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
6.25%
66 Months
7.04%
75 Months
7.49%
84 Months
8.46%

Auto Loans (2018 - 2021)

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
6.75%
66 Months
 7.54%
75 Months
7.99%

Auto Loans (2014 - 2017)

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
7.97%
66 Months
8.45%

Secured Boat, RV, or Travel Trailer Loans

Terms Up To APR As Low As
36 months
 6.40%
75 months
 7.64%
120 months
 9.71%
*Due to recent compliance regulations, Greater Texas is unable to finance Park Model RV’s/Homes/House Boats

Secured Motorcycles, Off-road Vehicles, Jet Skis, and New Horse/Stock Travel Trailer Loans

Terms Up To APR As Low As
36 Months
 8.40%
66 Months
9.19%
75 Months
9.64%
84 Months
10.61%

Apply Online

Related Disclosures

Rates effective January 2024. Rates are subject to change without notice, special promotional rates do not apply to loans already financed at the Credit Union.

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.

Platinum Credit Card

Transaction Type Annual Percentage Rate (Variable)
Purchases

9.24% to 17.24%1 | Apply Now »

Cash Advances
9.24% to 17.24%1 | Apply Now »
Balance Transfers
9.24% to 17.24%1 | Apply Now »
1: When you open your account, based on your creditworthiness. APR varies with the market based on the Prime Rate.

Classic Credit Card

Rate Type Annual Percentage Rate (Variable)
Purchases

7.24% to 15.24%1 | Apply Now »

Cash Advances 7.24% to 15.24%1 | Apply Now »
Balance Transfers
7.24% to 15.24%1 | Apply Now »

1: When you open your account, based on your creditworthiness. APR varies with the market based on the Prime Rate.
 
Share-Secured Credit Card
Rate Type Annual Percentage Rate (Fixed)
Purchases

 16.00% | Apply Now »

Cash Advances 16.00% | Apply Now »
Balance Transfers
16.00% | Apply Now »


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%

Apply Now »

$19.19 per $1,000 borrowed @ 5.670%

10 years 

$10,000

5.870%

Apply Now »

$11.04 per $1,000 borrowed @ 5.870%

15 years

 $25,000

6.260%

Apply Now »

$8.59 per $1,000 borrowed @ 6.260%

20 years 

$25,000

6.800%

Apply Now »

$7.64 per $1,000 borrowed @ 6.800%

Second Mortgage/Lien

Terms Up To Minimum APR As Low As

5 years

$10,000

6.670%

Apply Now »

$19.66 per $1,000 borrowed @ 6.670%

10 years 

$10,000

 6.870%

Apply Now »

$11.55 per $1,000 borrowed @ 6.870%

15 years

 $25,000

7.260% 

Apply Now »

$9.14 per $1,000 borrowed @ 7.260%

20 years 

$25,000

7.800%

Apply Now »

$8.25 per $1,000 borrowed @ 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%

Apply Online

Related Disclosures

Rates effective January 2024. Rates are subject to change without notice, special promotional rates do not apply to loans already financed at the Credit Union.
 
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.

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.
 
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.