RATES
Rates

Our Rates 

MC Application - Online Printable Form Here

In case of a lost or stolen Mid-Tex FCU Mastercard Gold or Mastercard Platinum, call and report to 1-855-256-9156 (Credit Cards Only). Members must come into the credit union to order replacement card(s).

Share Certificates  

Share Certificate
(See Certificate Disclosures)

Effective on 01/28/2025, contact CU for the Most Accurate Rates. 
Share Certificates
Months Rate APY
12 Months 3.40% 3.44% APY
18 Months 3.05% 3.09% APY
24 Months 3.00% 3.03% APY
36 Months 2.75% 2.78% APY
48 Months 2.50% 2.52% APY
Loan Rates
F.A.I.R. Lending Addendum
(Fairly Adjusted Interest Rates)
Contact CU for the Most Accurate Rates  

Effective 1/28/2025
Approximate Term Annual Percentage Rate
Personal 12 To 36 Months 11.00% To 18.00%
New Vehicles 36 To 72 Months 5.50% To 14.00%
Used Vehicles 24 To 60 Months 5.50% To 14.75%
All Other New Collateral (Titled) 24 To 84 Months 8.00% To 15.00%
All Other Used Collateral (Titled) 12 To 36 Months 8.75% To 15.75%
Mastercard Gold 12.50%
Mastercard Platinum 9.90%
Overdraft Protection 15.00%
Share Pledged 3.00%
Share Certificate Pledged Loan 2% above the Certificate Pledged
Share by: