Consumer Loan Rates

Take advantage of our great auto loan promotional rates!

Auto loans for wherever the road takes you, with rates starting as low as*

2.19% APR

MAXIMUM TERM 60 MONTHS • PAYMENT EXAMPLE: $17.61 PER $1,000 •  MINIMUM CREDIT SCORE: 730

2.39% APR

MAXIMUM TERM 72 MONTHS • PAYMENT EXAMPLE: $17.71 PER $1,000 •  MINIMUM CREDIT SCORE: 730

 
Young couple with toddler on car hood
*ETPCU membership required. Subject to: credit score, loan to value, age of collateral, and normal ETPCU underwriting guidelines.
Rates and terms subject to change without notice. Not applicable on existing ETPCU loans and no other discounts apply.
 

For additional rate and term options, please view our Consumer Loan Base Rates. 

Consumer Loan Base Rates

All consumer loan interest rates shown are the Credit Union’s base rates. These rates may vary based on member’s credit risk score, loan term, loan-to-value ratio (secured loans) and age of collateral. All loans are subject to East Texas Professional Credit Union’s normal credit guidelines.

Loan rates are effective as of January 1, 2022. Rates are subject to change without notice.

TYPE
 APR* TERM
New Vehicles 2023-2021 Models as low as 3.75% Please call for information
Used Vehicles 2020 Models
 as low as 4.00% Please call for information
Used Vehicles 2019 Models as low as 4.25% Please call for information
Used Vehicles 2018 & Older Models as low as 4.75% Please call for information
Motorhomes and Travel Trailers
2019 & Newer Models		 as low as 8.00% Please call for information
Used Motorhomes and Travel Trailers 
2018 & Older Models		 as low as 8.50% Please call for information
New Boats and Tractors 2022 – 2020 Models
 as low as 7.00% Please call for information
Used Boats and Tractors 2019 & Older
 as low as 7.50% Please call for information
Motorcycles, ATVs, Personal Watercraft 2022 – 2016 Models ($12,000+)
 as low as 6.99% Please call for information
Motorcycles, ATVs, Personal Watercraft 2015 & Older
 as low as 7.49% Please call for information
Personal Loans
 as low as 8.95% N/A
Instant Cash Loans
 5.75% N/A
Share Secured
 5.75% N/A
Term Share Certificate Secured
 2.00% above TSC rate N/A
Express Cash Loans
 18% Please call for information
Credit Builder Loans
 6.00% above TSC rate N/A

*Annual Percentage Rate