Rates

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Term Share Certificates
Term Minimum APY Rate Dividends
3 Months $1,000 0.05% 0.05% Paid at maturity
6 Months
$1,000 0.05% 0.05% Paid monthly
12 Months $1,000
0.10%
0.10%
Compounded daily paid quarterly
18 Months $1,000
0.20%
0.20% Compounded daily paid quarterly
24 Months $1,000
0.30%
0.30%
Compounded daily paid quarterly
30 Months $1,000
0.40%
0.40% Compounded daily paid quarterly
36 Months $1,000
0.50%
0.50% Compounded daily paid quarterly
42 Months $1,000
0.60%
0.60% Compounded daily paid quarterly
48 Months $1,000
0.70%
0.70%
Compounded daily paid quarterly
60 Months $1,000
0.80%
0.80% 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 0.30% 0.30%
Paid quarterly

Health Savings Account


Minimum APY Rate Dividends

$100 0.05% 0.05%
Paid Monthly

Money Market

Term Range APY Rate Dividends
Daily Balance Method Under $2,500 .00% .00% Paid Monthly
Daily Balance Method $2,500-$9,999 .05% .05% Paid Monthly
Daily Balance Method
$10,000-$49,999 .10% .10% Paid Monthly
Daily Balance Method
$50,000-$99,999 .10% .10% Paid Monthly
Daily Balance Method
Over $100,000 .10% .10% Paid Monthly

Christmas Club





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

Share Draft Checking





Daily Balance Method
$0-$1,249 .00% .00% Paid Monthly
Daily Balance Method
$1,250 & over .05% .05% Paid Monthly

Share Account





Daily Balance Method
$0-$4.99 .00% .00% Paid Quarterly
Daily Balance Method
$5-$999.99 .05% .05% Paid Quarterly
Daily Balance Method
$1000-$2,499.99 .05% .05% Paid Quarterly
Daily Balance Method
$2,500 & over .05% .05% Paid Quarterly

Minor Account





Term
Minimum
APY
Rate Dividends
Under Age 21 $1 0.00% 0.00% Paid Quarterly

Golden Star Club





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

Paid Quarterly
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Effective January 1, 2017

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

Loan Types Terms Daily Periodic Rate Annual Percentage Rate
Secured Auto Up to 72 months 0.005452%–0.036986% 1.99%–13.50%

84 Months
loans $50,000 or more
0.008192%–0.010247% 2.99%–3.74%



*Based on credit qualifications

Maximum age of a used motor vehicle to be eligible forfinancing is ten (10) years from the current calendar year. 

To be eligible for financing, a used motor vehicle’s mileagemust 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

The APR will be the dividend rate being paid on the Shared Certificate of Deposit as security (index) plus 2.5% (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.

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

10.00% to 13.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Platinum PLUS Reward 

11.00% to 14.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Classic

10.25% to 16.00% 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
12.00% to 15.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Platinum PLUS Reward
13.00% to 16.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Classic
12.25% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Shared Secured
18.00% This APR is fixed rate. 
APR for Balance Transfers
Platinum
12.00% to 15.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Platinum PLUS Reward
13.00% to 16.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Classic/Standard
12.25% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Shared Secured
18.00% 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.
For credit card tips form Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Fees

Transaction Fees
Balance Transfer

$2.00 or 2% of the amount of each balance transfer, whichever is greater

(Maximum Fee: $30.00 ).

Cash Advance $2.00 or 2% of the amount of each cash advance, whichever is greater.
Foreign Transaction 1% of each transaction in U.S. Dollars
Penalty Fees

Late Payment Up to $15.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Up to $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy $4.00
Emergency Card Replacement $55.00
Rush Fee $45.00
Pay by gotomycard.com FREE
Pay by phone $10.00
Pay by phone (CU) $5.00

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.

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Home Equity Loans
Term Daily Periodic Rate Annual Percentage Rate
Up to 5 years $10,000 min 0.009562 % - 0.013342 % 3.49% - 4.87%

60 monthly payments of $18.82 per $1,000 borrowed.

Up to 10 years $10,000 min 0.010110 % - 0.013616 % 3.69% - 4.97%
120 monthly payments of $10.60 per $1,000 borrowed.
Up to 15 years $25,000 min 0.010658 % - 0.013753 % 3.89% - 5.02%
180 monthly payments of $7.92 per $1,000 borrowed.
Up to 20 years $25,000 min 0.011205% - 0.014027 % 4.09% - 5.12%
240 monthly payments of $6.67 per $1,000 borrowed.


To apply for a Home Equity fill out the application and return it to us along with the following:

  • 12 day notice
  • 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 $5000.00 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.

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Loan Types Terms Daily Periodic Rate Annual Percentage Rate
Secured Loans: Auto Title Loans/Boats/ RVs/ Travel Trailers*

Up to 48 Months 0.013671%–0.042438% 4.99%–15.49%

49 to 72 Months 0.014356%–0.043123% 5.24%–15.74 %
*Due to recent compliance regulations, Greater Texas is unable to finance Park Model RV’s/Homes/House Boats.
Other Secured Loans: Motorcycles /Offroad Vehicles/ Jet Skis / NEW Horse or Stock Travel Trailers

Up to 48 Months 0.019836%–0.028055% 7.24%–10.24%
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 0.026000%–0.049315% 9.99%–18.00%
Share Secured

Up to 60 Months
0.010959% 4.00%
Certificate Secured
Maximum loan advance is 90% of available certificate. Maximum term cannot exceed maturity date plus 1 day 2.50% over earned rate. For certificates with 48 months or more left on its term, maximum loan advance is 75% of available certificate value.

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 2.5% (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