(210) 593-3710 (210) 593-1222 9110 IH 10 West Suite 100, San Antonio, TX 78230 Holiday Schedule

Deposit Rates


See Truth-in-Savings Disclosure Brochure for further account information. Dividends are declared by the Board of Directors and may change without notice. Effective June, 2018


Share Account Dividend Rates

Account Type Min. Balance Rate APY* Dividends Paid**
Regular Share (Savings)
Minimum to open is $5. Minimum average balance to earn dividend is $100.00
$100.00 0.50% 0.50% Quarterly
Share Draft (Checking)
Minimum to open is $50. Minimum average balance to earn dividend is $500.00
$500.00 0.10% 0.10% Monthly
IRA Shares (Savings) and Roth IRA Shares $50.00 .50% .50% Quarterly

* Monthly Dividends are paid the first day of each month. ** Quarterly Dividends are paid the first day of January, April, July and October.


Share Certificate Dividend Rates

Min. Balance Term Rate APY* Dividends Paid**
$500 3 months 0.75% 0.76% monthly
$500 6 months 2.00% 2.01% monthly
$500 1 year 2.50% 2.53% monthly
$500 2 year 2.55% 2.58% monthly
$500 3 year 2.65% 2.68% monthly
$500 5 year 3.15% 3.20% monthly

IRA Certificate Dividend Rates

Min. Balance Term Rate APY* Dividends Paid
$500 1 year 2.75% 2.78% Monthly
$500 2 year 2.90% 2.94% Monthly
$500 3 year 3.10% 3.14% Monthly
$500 5 year 3.60% 3.66% Monthly

Disclosure: We may impose a penalty if you withdraw any of the principal before the maturity date.

Early Withdrawal Penalties:
Terms of 3 months to 5 months: 30 days’ dividends
Terms of 6 months to 11 months: 90 days’ dividends
Terms of 12 months to 83 months: 180 days’ dividends
Terms of more than 83 months: 360 days’ dividends

Renewals: Certificates will not renew automatically. Renewal options are available by calling our offices. At maturity, balances will be automatically transferred to your share savings account unless renewal instructions are received. Dividends will not be paid after maturity.

Dividends are declared by the Board of Directors and may change without notice.

*APY = Annual Percentage Yield. **Monthly dividends are paid the first of each month. Quarterly dividends are paid the first day of January, April, July, and October.

Loan Rates



Interest Rates for Vehicle Loans

Effective June 2018


Loan Type Term APR*
Used Car and Truck
90% LTV
up to 36 months 3.50%
90% LTV up to 48 months 4.50%
80% LTV up to 60 months 3.95%
90% up to 60 months 4.95%
100% LTV up to 60 months 5.95%
800% LTV (minimum $25,000) up to 72 months 5.95%
Used Car and Truck
Up to 100% LTV. 2011 - 2016
up to 36 months 5.95%
Up to 100% LTV
2011 - 2016
up to 48 months 5.95%
Up to 100% LTV
2011 - 2016
up to 60 months 4.50%
Up to 100% LTV
2017 - 2018
up to 60 months 5.95%
80% LTV [Minimum $25,000]
2011 - 2016
up to 72 months 4.95%
New motorcycles (2018 or 2019) 60 months 5.95% (20% down)
- 60 months 6.95% (10% down)
Used motorcycles
2016 / 2015
48 months 9.95%
2018 / 2017 60 months 8.95

Interest Rates for Personal Loans

Effective June 2018


Loan Type Term APR*
Share Savings Secured 24 months 2.00% over shared rate
Share Certificate Secured Terms of loan must match certificate maturity 3.00% over CD rate
Business Equipment 24 months (0% down) 7.90%
- 60 months (0% down) 9.90%
Line of Credit $25 minimum monthly payment or 2% of outstanding balance 9.90%
Signature Loan (Unsecured) 12 months 8.25%
- 24 months 8.75%
- 36 months 9.95%
- 48 months 10.95%
- 60 months 11.95%

Ask about relationship discounts!

*APR = Annual Percentage Rate. Loans are subject to credit approval. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Fee Schedule


If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.


Checking Account Fees

Service Type Fee Amount
NSF $25.00 per item
Non-Member Deposit Check Chargeback Item $10.00 per item
Member Deposit Check Chargeback Item $25.00 per item, if returned item was drawn on member account at another institution
Stop Payment $25.00 per request
Share Draft Printing Prices may vary depending upon style
Temporary Checks $2.00 (maximum of 20 temporary checks)

Other Service Fees

Service Type Fee Amount
Account Reconciliation / Account Research $25.00 per hour
Statement Copy $2.00 per copy
Deposited Item Return $25.00 per item (unless maker of item is not member, then charge back fee of $10.00 applies)
Wire Transfer (Outgoing) $20.00 per transfer
Teller Check $1.00 per check
Cashier’s Check $1.00 per check
Third Party Check Cashing (Member) Free
Loan Payment Returned Check $25.00 per item
Collection Item (Incoming / Outgoing) $5.00 per item
Copy of Paid Draft $2.00 per draft*
Account Printout $2.00 per printout
ACH NSF $25.00 per item
Account Closing $10.00 (within 60 days of opening)
ACH Stop Payment $25.00 per request
Escrow Share Draft (Checking) $10.00 (when account goes over 10 checks per month)

* Copies of paid drafts will be provided to member without charge when required by the Internal Revenue Service for audit purposes.