Lending & Savings Rates | Texoma Educators

Savings Account Rates

Account Type	Rate (APY=Annual Percentage Yield)
Share (savings)	0.1%
Check Plus Checking (money market)	0.1%
IRA	0.25%

Also available: IRAs, CDs. Contact us today to learn more about your savings account options or visit your nearest TEFCU branch for more information.

*Rates subject to change without notice.

Share Certificate (CD) Rates

Rates change each week. Updated September 19, 2023.

Length of Share Certificate	APY for Balance $1,000–9,999	APY for Balance Over $10,000
1 year	2.54%	2.79%
2 years	2.79%	3.04%
3 years	3.04%	3.29%
4 years	3.29%	3.54%
5 years	3.54%	3.79%

We also offer IRAs and CDs!

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Be sure to ask about our Bump-Up option on 2-year or higher certificates!

Contact us or visit your nearest TEFCU branch for more information.

*APY = Annual Percentage Yield. Rates are subject to change without notice.

Loan & Credit Card Rates

Rates below are based on a minimum credit score of 700. Please contact our lending team or visit your nearest Texoma Educators branch for more information. Rates are subject to change without notice.

Loan Type	APR (Annual Percentage Rate)
New vehicles: 0–12 months	1.9%
New vehicles: 13–24 months	2.23%
New vehicles: 25–36 months	3.23%
New vehicles: 37–48 months	4.23%
New vehicles: 49–60 months	5.23%
New vehicles: 61–72 months	6.23%
New vehicles: 73–84 months	7.23%
Used vehicles: model years 2020–2024	5.9% for 0–72 months
Used vehicles: model years 2015–2019	6.9% for 0–60 months
Motorcycles	as low as 5.9%
Boats/RVs/travel trailers	as low as 6.9%
Personal/signature loans: 0–36 months	8.9%
Personal/signature loans: 37–60 months	9.9%
Credit cards	9%

Savings Account Rates

Share Certificate (CD) Rates

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Loan & Credit Card Rates

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