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Consumer Loan 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 subject to East Texas Professional Credit Union’s normal credit guidelines. Rates are subject to change without notice.

*Please contact East Texas Professional Credit Union for promotional rate specials.*

Loan rates are effective as of January 1, 2021. Rates are subject to change without notice.

  APR* Term
New Vehicles 2022-2020 Models as low as 3.75% Please call for information
Used Vehicles 2019 Models as low as 4.00% Please call for information
Used Vehicles 2018 Models as low as 4.25% Please call for information
Used Vehicles 2017 & Older Models as low as 4.75% Please call for information
Motorhomes and Travel Trailers
2018 & Newer Models
as low as 8.00% Please call for information
Used Motorhomes and Travel Trailers 
2017 & Older Models
as low as 8.50% Please call for information
New Boats and Tractors 2021 – 2019 Models as low as 7.00% Please call for information
Used Boats and Tractors 2018 & Older as low as 7.50% Please call for information
Motorcycles, ATVs, Personal Watercraft 2021 – 2015 Models ($12,000+) as low as 6.99% Please call for information
Motorcycles, ATVs, Personal Watercraft 2014 & 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