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Rates & Fees

We offer competitive rates.  As a not-for-profit financial cooperative, 
we pass our profits onto you, the member, in the form of better rates. 











Effective 8/22/2024. Rates subject to change daily.
NEW AUTOMOBILE LOANS 2024-2023
TERM APR DOWN PAYMENT
Up to 84 months 5.59% – 17.69% as low as 0%

NEW BOATS AND RVs
TERM APR DOWN PAYMENT
Up to 84 months 8.69% – 13.29% as low as 0%

PROGRAM CARS
TERM APR
2023 – 2022 up to 12,000 miles Same as New Car

USED AUTOMOBILES
YEAR TERM APR MAXIMUM LOAN
2024-2023 Up to 84 months 5.59% –17.69% NADA Value
2022 Up to 78 months 6.19% – 17.69% NADA Value
2021 Up to 72 months 6.19% – 17.69% NADA Value
2020 Up to 66 months 6.39% – 17.69% NADA Value
2019 Up to 60 months 6.39% – 17.69% NADA Value
2018  Up to 54 months 6.89% – 17.69% NADA Value
2017 Up to 48 months 6.89% – 17.69% NADA Value
2016 Up to 42 Months 7.89% – 17.69% NADA Value
2015 Up to 36 Months 7.89% – 17.69% NADA Value

USED BOATS & RVs
YEAR TERM APR
2024-2023 Up to 84 months 9.69% – 13.99%
2022-2021 Up to 78 months 10.19% –15.99%
2020-2019 Up to 72 months 10.69% – 17.99%
2018-2017 Up to 60 months 11.19% – 17.99%
2016-2015 Up to 54 months 11.69% – 17.99%

OTHER LOANS AND CREDIT CARD RATES
LOAN TYPE APR
New Motorcycles 9.69% –15.29%
Personal Line of Credit 9.99% – 17.99%
Home Equity Loans 6.99% – 9.99%
Signature Loans 9.99% – 17.99%
Share Secured Loans Share Rate + 3.00%
C.D. Secured Loans C.D. Rate + 2.00%
Vacation Loans 7.99% – 17.99%
MasterCard 9.90% – 13.90%
ATV/Personal Motorcraft 9.69% – 15.29%
Land 8.49% – 15.49%
Interim Construction 7.49%-14.99%

HOME LOANS
Mortgage Financing Available. Ask Our Mortgage Loan Officer For Rates and Products.
CONSUMER LOANS LOCATIONS
Pine Branch
1118 Pine, Abilene, TX 79601
(325) 670-2429
Fax: (325) 670-2588
Catclaw Branch
3324 Catclaw, Abilene, TX 79606
(325) 670-2429
Fax: (325) 690-1035
HOME EQUITY LOANS & MORTGAGE LOANS
Catclaw Branch
3324 Catclaw, Abilene, TX 79606
(325) 670-2429
Fax: (325) 690-1035

Effective 8/22/2024. Rates subject to change daily. Fees may reduce earnings.
ACCOUNT TYPE ACCOUNT BALANCE DIVIDEND RATE ANNUAL % YIELD DIVIDEND PAID
Share Account $100.00+ 0.05% 0.05% Quarterly
Simply Teen
 $50.00+  0.10%  0.10% Quarterly
Special Savings $100.00+ 0.05% 0.05% Quarterly
Christmas Club $100.00+  0.10%  0.10% Quarterly
Simply Kids  $50.00+  0.10%  0.10% Quarterly
Money Market $1,000.00+
$25,000.00+
$100,000+
0.65%
0.85%
1.20%
0.65%
0.85%
1.20%
 Monthly
IRA  $100.00+  0.65%  0.65% Quarterly
Teen Draft  $50.00+  0.02%  0.02%  Monthly
Simply 50+  $100.00+  0.02%  0.02%  Monthly

Term Share Certificates – Penalty will or may be imposed for early withdrawal.
CD TYPE TERM DIVIDEND RATE ANNUAL % YIELD
Simply 50+
Bonus Rate

N/A
N/A
Minimum of $1,000 3 months
6 months
12 months
24 months
36 months
0.35%
0.45%
0.55%
0.65%
0.75%
0.35%
0.45%
0.55%
0.65%
0.75%
Minimum of $50,000
3 months
6 months
12 months     18 months        24 months
36 months
0.50%
0.60%        1.00%                  2.75%
3.00%
3.50%
0.50%
0.60%
1.00% 2.75% 3.00%
3.50%
Kids & Teen
Minimum of $500
12 months
24 months
1.00%
1.25%
1.00%
1.25%
12 Month CD Special Minimum of $10,000
12 months 4.00% 4.00%

EFFECTIVE
September 29, 2021
Account Fee
New Membership $1 per share account
Vantage Free Checking Free
Vantage Plus Checking Service Charge (balance under $500.00) $5 per month
Share Withdrawals (3 free per quarter) $1
Excessive Reopening of Account              (If reopened within 90 days of closing)
$15
Account Closure Fee                                (If closed within 90 days from opening) $15
IRA Account Closure $25
IRA Early Withdrawal (before age 60) $2.50
Opportunity Checking $10 per month
Money Market Withdrawals                     (3 free per month) $2.50
Christmas Club                          (withdrawals free Oct.1 – Jan.1)
$2.50

Business Account Fee
New Business Membership $15 per share account
Business Checking Monthly Service Charge $9.95 per month
Rolled Coin Order Determined by Volume
Currency Strap Order Determined by Volume

Card Services Fee
ATM Withdrawal, Transfer, or Balance Inquiry Fee at Nonproprietary ATMs $1.50 per transaction
Supporting Document Photocopy $15 per item
Debit Card Reissue $5 (excludes cards that are reissued)
Debit PIN Replacement $2

Account Servicing Fee
Overdraft Transfer $1 per occurrence
Courtesy Pay Protection $25 per item
Non-Sufficient Funds (NSF) $30 per item
Deposit Item Returned (member’s check drawn on another financial institution) $30 per item
Deposit Item Returned                            (all other return items) $15 per item
Stop Payment $20 per request
Temporary Checks $2 per sheet Starter set free
Fax $1 per page
Official Check Stop Payment $30
Paper Communication $5 per month
Debit or Credit Card Loan Payment     (via Phone) $15 (not to exceed $850 Payment)

Other Services Fee
Account Reconciliation $25 per hour - One hour minimum
Account Research $25 per hour - One hour minimum
Statement Copy $5 per copy
Account Printout $5 per copy
Collection Items (all) $20
Wire Transfer (Outgoing, domestic) $15 per transfer
Money Order $2 per item
Garnishment or Levy $25 per item
Escheatment $25 per account
Telephone Transfer (not PAL)          Simply Free Checking $3 per transfer
Check/Draft Photocopy $3 per copy
Check Cashing 1% per check, if less than $100 on deposit and more than 50% of check is cashed, for ages 19 and older
Check Cashing Nonmember On Us $5 (per check over $250)
Check Cashing Third Party 2%
Official Check $1 per check
Returned Statement/Bad Address $5 per statement/bad address
Verification of Deposit $5 per item
Guaranteed Funds Certification $15





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