Share Certificate (CD) Rates

Rates change each week. Updated October 21, 2025.

Length of Share Certificate

APY for Balance 
$1,000–9,999

 APY for Balance 
Over $10,000
1 year 0.93% 1.18%
2 years 1.18% 1.43%
3 years 1.43% 1.68%
4 years 1.68% 1.93%
5 years 1.93% 2.18%

 

 

 

 

 

 

 

We also offer IRAs and CDs!

We're here to help

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: 0­–36 months  2.99%
 New vehicles: 37­–48 months  3.99%
 New vehicles: 49–60 months  4.99%
 New vehicles: 61–72 months  5.99%
 New vehicles: 73­–84 months  6.99%
 Used vehicles: model years 2022–2026  5.99% for 0–72 months
 Used vehicles: model years 2018–2021  6.99% for 0–60 months
 Motorcycles  as low as 5.99%
 Boats/RVs/travel trailers  as low as 6.99%
 Personal/signature loans: 0–36 months  10.99%
 Personal/signature loans: 37–60 months  11.99%
 Credit cards  9%

 

We're here to help

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

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.

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