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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, 2019. Rates are subject to change without notice.

  APR* Term
New Vehicles 2020-2018 Models as low as 3.95% Please call for information
Used Vehicles 2017 Models as low as 4.20% Please call for information
Used Vehicles 2016 Models as low as 4.45% Please call for information
Used Vehicles 2015 & Older Models as low as 4.95% Please call for information
Motorhomes and Travel Trailers
2016 & newer Models
as low as 8.00% Please call for information
Used Motorhomes and Travel Trailers 
2015 & older
as low as 8.50% Please call for information
New Boats and Tractors 2019 – 2017 Models as low as 7.00% Please call for information
Used Boats and Tractors 2016 & Older as low as 7.50% Please call for information
Motorcycles, ATVs, Personal Watercraft 2019 – 2013 Models ($12,000+) as low as 6.99% Please call for information
Motorcycles, ATVs, Personal Watercraft 2012 & Older as low as 7.49% Please call for information
Personal Loans as low as 10.95% 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