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Loan Rates
Flexible terms and affordable payments!
Loan Rates
Visit a branch or call a Personal Banker today at (214) 574-2000 or 1 (800) 388-7889 about flexible terms and affordable payments on MOBILITY CU products.
All published rates are subject to change without notice. Certain terms and conditions may apply. See “Terms and Conditions of Your Account (PDF)” for complete details.
CONSUMER LOANS
| Consumer Loans1 | Term | APR* As Low As |
|---|---|---|
| Auto | Up to 84 Months | |
| Boats, RVs, & Motorcycles | Up to 84 Months | |
| Personal Loans | Up to 60 Months | |
| Line of Credit | N/A | |
| Savings & Certificate Secured | For term, contact a Loan Officer at 214-574-2000 | For rate, contact a Loan Officer at 214-574-2000 |
| Visa Platinum Credit Card | N/A | |
| Visa Cash Back Rewards Credit Card | N/A | |
| Visa Platinum Secured Credit Card | N/A |
Home Loans
Fixed Rate Mortgage Loan
10 - 30 Year
Adjustable Rate Mortgage Loan
1, 3, 5, 7, 10 Year
FHA/VA Rate Mortgage Loan
15 - 30 Year
HOME EQUITY LOAN ²
1st Lien Home Equity Loan
Rates effective September 24, 2024
| Term | APR* As Low As |
|---|---|
| 0 - 60 Months | |
| 61 - 120 Months | |
| 121 - 180 Months |
2nd Lien Home Equity Loan
Rates effective September 24, 2024
| Term | APR* As Low As |
|---|---|
| 0 - 60 Months | |
| 61 - 120 Months | |
| 121 - 180 Months |
HOME EQUITY LINE OF CREDIT
| Term | Index | Margin | APR* |
|---|---|---|---|
| 5-Year Draw/5-Year Repayment | WSJ Prime | ||
| 5-Year Draw/10-Year Repayment | WSJ Prime | ||
| 10-Year Draw/10-Year Repayment | WSJ Prime |
Disclaimers
Questions about our loans? Give us a call at (214) 574-2000. We're happy to assist you.
*APR = Annual Percentage Rate. Actual rate based on applicant credit. Rates are subject to change without notice.
1. Example Repayment Term: 60 monthly payments of $19.22 for each $1,000 borrowed at 7.00%.
2. Example Repayment Terms: 60 monthly payments of $370.34 for a $20,000 loan at 4.20%.
3. All HELOC annual percentage rates are variable based on the Wall Street Journal Prime Rate, “the Index”, published in the Money Rates section, plus a stated margin. Check rates for the current Index. The APR may change on the first day of each calendar quarter, January, April, July, and October. Changes in APR can only occur if “the Index” has changed since the last rate change. The minimum is 8.75% and the maximum is 18.00%. APR is the Annual Percentage Rate.
4. There is no fee for application, however, other charges may include appraisal and title policy costs, if the loan is greater than $150,000.00.
5. Consult your tax adviser regarding the deductibility of interest. HELOC Terms and Conditions are as follows:
The minimum line amount is $15,000.00
The draw period is either five (5) or ten (10) years in length. The draw period cannot be extended. You may apply for a new HELOC, pay off the existing HELOC during the initial period, and begin a new draw period.
The draw period is an interest only payment period. Reduction of principal is not required.
The repayment period may be either 5 or 10 years in length and the minimum payment amount is $25.00.
A single property can be secured by either a HELOC or a home equity loan, not both at the same time.
You may borrow up to 80% of the value of your home minus existing mortgages, but the credit line is limited to 50% of the home’s value.
Each draw (advance) must be at least $4,000.00, the minimum per Texas statute.
Advances may be completed by phone, in person, by written request, Home Banking, or the Automated Phone Banking System.