Annual Percentage Rate (APR) Based on Your Credit
|TYPE||APR (Annual Percentage Rate)||TERMS
|New, Used, & Refinanced Vehicles||as low as 3.99%6||Subject to credit approval
|Signature/Personal Loans||as low as 11.90%||Subject to credit approval.
|Residential Mortgage||6.50% APR||Call for terms
|Residential Lot/Land||7.00% APR||Call for terms
|Investment Properties||7.75% APR||Call for terms
|Christmas/Promo||as low as 11.90%||Subject to credit approval
|Credit Cards||as low as 9.90%||Subject to credit approval
Rates effective November 7, 2022
All loans and rates are subject to credit approval and overall creditworthiness. Rates based on credit score and term length. Financing available up to 84 mos. on select collateral. “As low as” rates advertised assume 0-48 mos. terms with excellent credit. Call or contact the credit union for more information. Subject to change at any time with or without prior notice.
Loyal Star Member Discount!
|Receive an additional 0.25% APR* discount on an Auto or Residential Loan when you open a new Checking Account with at least a $50 deposit and maintain an existing Checking Account that includes automatic loan payments via ACH or Auto Transfer. Certain exclusions apply.See terms & conditions below.
- New members–must be eligible for membership to qualify.
- Current Members: All accounts must be in good standing with CU to qualify for promotion.
- Must have ACH from another financial institution setup for monthly loan payments or automatic internal transfer.
- May not be combined with other loan discounts
5As low as” advertised rates are based on credit score and term. Actual rates and terms are based on overall creditworthiness and subject to approval
6Does not include 0.25% “Loyal Star Member Discount” on loan rate. Please refer to loan department for details on promotion.
*APY= Annual Percentage Yield
**APR=Annual Percentage Rate
†Floor rate is 2.99% APR. Lowest rate may not fall below this amount. Floor LTV for higher risk scores is stated on most current Rate Chart. Starting LTV must be at 100% (or stated threshold rate according Rate Chart) and based on Invoice (New Vehicles) and NADA Clean Trade (Used Vehicles). Starting LTV should not include any GAP, Warranty, or ancillary loan products. May not be combined with other loan discounts.
Star of Texas Credit Union Mastercard®
The SOTCU Mastercard® credit card gives you all the features you need, at the lowest rates we can offer.
Effective June 1st, 2021 SOTCU Mastercard®