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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.

Loan rates are effective as of August 8, 2013. Rates are subject to change without notice.

  APR* Term
New Vehicles 2014 – 2012 Models as low as 3.50% Please call for information
Used Vehicles 2011 Models as low as 3.75% Please call for information
Used Vehicles 2010 Models as low as 3.75% Please call for information
Used Vehicles 2009 Models as low as 4.50% Please call for information
Used Vehicles 2008 & Older Models as low as 5.50% Please call for information
Motorhomes and Travel Trailers
2013 – 2010 Models
as low as 8.00% Please call for information
Used Motorhomes and Travel Trailers 
2009 & older
as low as 8.50% Please call for information
New Boats and Tractors 2013 – 2011 Models as low as 7.00% Please call for information
Used Boats and Tractors 2010 & Older as low as 7.50% Please call for information
Motorcycles, ATVs, Personal Watercraft 2013 – 2007 Models ($12,000+) as low as 6.99% Please call for information
Motorcycles, ATVs, Personal Watercraft 2006 & 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