Deposit & Loan Rates

Deposit RateAPRAPY
Regular Share <$9,999.990.15%0.15%
Regular Share >$10,000.00 - $24,999.990.20%0.20%
Regular Share >$25,000.00 - $49,999.990.25%0.25%
Regular Share >$50,000.000.35%0.35%
IRA <$25,000.000.10%0.10%
IRA >$25,000.01 - $50,000.000.10%0.10%
IRA >$50,000.01 0.10%0.10%
Youth Savings Accounts0.50%0.50%
Christmas Clubs0.20%0.20%
Secondary Savings0.05%0.05%
Vacation Clubs0.20%0.20%
Legacy Checking0.05%0.05%
Money Market $100 - $9,999.990.05%0.05%
Money Market $10,000 - $24,999.990.10%0.10%
Money Market $25,000 - $50,000.000.15%0.15%
Money Market >$50,0000.20%0.20%

Rates as of  09/01/2023

Share Certificates

**PROMOTIONAL Share Certificate of Deposit (Min. $10,000)APRAPY*
15 Month5.15%5.25%

** Promotional 15-month Certificates of Deposit for new money only. New money is defined at money not currently on deposit with Texas People FCU and does not include funds withdrawn and redeposited within 30 days.  Current funds can be used to open a Promotional CD plus a minimum opening balance of $10,000.  All Promotional CDs are a limited-time offer and subject to change at any time without notice.

Standard Share Certificate of Deposit (Min. $1,000)APRAPY*
6 Month2.96%2.99%
12 Month3.93%3.99%
18 Month4.07%4.13%
24 Month4.17%4.24%
36 Month3.54%3.59%
48 Months3.44%3.48%
60 Month3.34%3.38%
Mini-Jumbo Share Certificate of Deposit (Min. $50,000)APRAPY*
6 Month3.45%3.49%
12 Month4.41%4.48%
18 Month4.55%4.63%
24 Month4.65%4.73%
36 Month4.16%4.23%
48 Month3.83%3.89%
60 Month3.92%3.98%

APY (Annual Percentage Yield).  Required minimum opening balance.  Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds.

Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.

Rates as of  09/01/2023

Loan Rates

TypeTermRate As Low As
New Auto (2021-2023)Up To 72 Month5.75% APR
Used Auto (2020-2016)Up To 72 Month6.25% APR
Used Auto (2015 or older)Up To 48 Month10.75% APR
New RV, Boat, ATV, Motorcycle, Travel Trailers (2021-2023)Up To 84 Month6.25APR
Signature (Personal)36 Month11.34% APR
MastercardRevolving9.90% APR
Share Secured3.25% APR + Dividend rate
Share Certificate Secure LoanTerm of Share Certificate3.50% APR + Dividend Rate
Home Equity5 Years5.25% APR
Home Equity10 Years5.50% APR
Home Equity15 Years5.75% APR

Rates as of  09/01/2023