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Featured Rates

Auto Loans

As Low As


2.19%APR1

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Mortgage Loans

As Low As


3.375%APR1

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Credit Cards

As Low As


8.90%APR1

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Signature Loans

As Low As


4.49%APR1

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APR = Annual Percentage Rate. Rates valid as of January 5, 2022. Featured rates subject to change without notice; other restrictions may apply. Get more auto, signature, and personal loan rates here. Mortgage Rate: Final APR may vary based on customary fees and closing costs, which are included in your final APR. Home loan programs restricted to Texas only. Rate displayed reflects 30-year conventional mortgage. Mortgage rates change frequently throughout the day, please contact us for accurate rate.



Savings Accounts

Rates current as of:
Savings Account Rates
Account Declared APY*
Primary Savings Accounts
SAVINGS Regular Share $100 - 19,999.990.10%
SAVINGS Regular Share $20,000+0.10%
Secondary Savings Accounts
SAVINGS Secondary Share $100 - 19,999.990.10%
SAVINGS Secondary Share $20,000 +0.10%
Holiday Savings
Holiday SAVINGS $25 +0.25%
Youth Savings
SAVINGS Clubhouse Share $5 - 19,999.990.10%
SAVINGS Clubhouse Share $20,000+0.10%
Money Market
Money Market $0 - 2,4990.00%
Money Market $2,500 - 9,999.990.16%
Money Market $10,000 - 24,9990.16%
Money Market $25,000 - 49,9990.16%
Money Market $50,000 - 99,9990.16%
Money Market $100,000 - 249,9990.16%
Money Market $250,000 +0.25%
Money Market $1,000,000 +0.10%
Loan-Related Share
SAVINGS VISA Share ($100 - $19,999.99)0.10%
SAVINGS MASTERCARD Share ($100 - $19,999)0.10%
SAVINGS VISA Share ($20,000.00 +)0.10%
SAVINGS MASTERCARD Share ($20,000.00 +)0.10%

Checking Accounts

Rates current as of:
Checking Account Rates
Account Declared APY*
Checking Accounts (Share Draft)
Power Checking ($5,000 - $24,999.99)1.00%
Power Checking ($25,000 - $100,000)1.00%
Bonus Checking ($25,000 +)0.15%
Easy Checking ($1,000 +)0.05%
Student Checking ($1 - 999.99)0.02%
Student Checking ($1,000 - 9,999.99)0.05%
Student Checking ($10,000 - 19,999.99)0.07%
Student Checking ($20,000 - 30,000)0.10%

CD Accounts

Rates current as of:
Certificates of Deposit (CDs) Rates
Type Term APY*
Term Share CDs (minimum deposit $500)
CD 3 mo Term3 months0.15%
CD 6 mo Term6 months0.30%
CD 1 yr Term1 year(s)0.40%
CD 2 yr Term2 year(s)0.45%
CD 3 yr Term3 year(s)0.60%
CD 4 yr Term4 year(s)0.75%
CD 5 yr Term5 year(s)0.80%
Mini Jumbo CDs (minimum deposit $50,000)
CD Mini Jumbo 3mo3 months0.20%
CD Mini Jumbo 6mo6 months0.35%
CD Mini Jumbo 1yr1 year(s)0.45%
Jumbo CDs (minimum deposit $98,000)
CD Jumbo 3 mo3 months0.25%
CD Jumbo 6 mo6 months0.40%
CD Jumbo 1 yr1 year(s)0.50%
Flex CDs (minimum deposit $5,000)
CD 6 mo Flex6 months0.15%
CD 1 yr Flex1 year(s)0.25%
CD 2 yr Flex2 year(s)0.30%
CD 3 yr Flex3 year(s)0.45%
CD 4 yr Flex4 year(s)0.60%
CD 5 yr Flex5 year(s)0.65%
Youth CD** (minimum deposit $100)
CD Smart Start (Youth under 18)1 year(s)0.40%
Senior CD*** (minimum deposit $10,000)
CD 55 and Better 15 mo15 months0.25%
Public Servant CD ****
CD Mega Flex 9mo Term9 months0.40%
CD Mini Jumbo 9 mo9 months0.45%
CD Jumbo 9mo9 months0.50%

IRAs

Rates current as of:
IRA CD Rates
Type Term APY*
IRA CD 1 yr1 year(s)0.45%
IRA CD 2 yr2 year(s)0.50%
IRA CD 3 yr3 year(s)0.65%
IRA CD 4 yr4 year(s)0.80%
IRA CD 5 yr5 year(s)0.85%

New and Used Autos

Rates current as of:
New and Used Auto Rates
Term Declared APR*
New Vehicles
36 monthsAs low as 2.19%
48 monthsAs low as 2.19%
66 monthsAs low as 2.19%
72 monthsAs low as 2.24%
Used Vehicles
36 monthsAs low as 2.19%
48 monthsAs low as 2.19%
66 monthsAs low as 2.19%
72 monthsAs low as 2.24%
  • *APR - Annual Percentage Rate. Rates subject to change at any time.
  • No models older than seven (7) years old.

Credit Cards

Rates current as of:
Credit Cards Rates
Introductory APR for the first six months Standard (after Intro)
Purchases Balance Transfers Cash Advances Standard APR* Annual Fee
Platinum Mastercard with Cash Back 0% 4.90%-9.90% 4.90%-9.90% 8.90%-17.90% None
UTA Platinum Rewards Mastercard n/a n/a n/a 12.90%-17.90% None
Secured Mastercard n/a n/a n/a 11.90% $30
Platinum Rewards Mastercard n/a n/a n/a 12.90%-17.90% None
UTA Blaze Mastercard n/a n/a n/a 8.90%-17.90% $50
Business MasterCard With Cash Back n/a n/a n/a 9.90% None
  • Rates and terms subject to change without notice.
  • *APR - Annual Percentage Rate

Personal Loans

Rates current as of:
Personal Loans Rates
Term Declared APR* as low as
0 - 24 monthsAs low as 4.49%
25 - 36 monthsAs low as 5.49%
37 - 48 monthsAs low as 6.49%
49 - 60 monthsAs low as 7.49%
  • *APR - Annual Percentage Rate. Rates subject to change at any time.

RVs/Boats/Motorcycles

Rates current as of:
Recreational Vehicle Rates
Recreational Vehicles
Type Term Declared APR* as low as
RV New48 months6.24%
RV New66 months6.24%
RV New72 months6.24%
RV New84 months6.49%
RV Used48 months6.24%
RV Used66 months6.24%
RV Used72 months6.24%
RV Used84 months6.49%
Boat Rates
Boat
Type Term Declared APR* as low as
Boat New48 months6.24%
Boat New66 months6.24%
Boat New72 months6.24%
Boat New84 months6.49%
Boat Used48 months6.24%
Boat Used66 months6.24%
Boat Used72 months6.24%
Boat Used84 months6.49%
Motorcycle Rates
Motorcycle
Type Term Declared APR* as low as
Motorcycle New36 months5.49%
Motorcycle New48 months5.49%
Motorcycle New60 months5.49%
Motorcycle Used36 months5.49%
Motorcycle Used48 months5.49%
Motorcycle Used60 months5.49%
  • *APR - Annual Percentage Rate. Terms may change based upon vehicle age and/or other factors and are subject to change at any time.
  • No models older than seven (7) years old.

Business Checking

Rates current as of:
Business Checking Rates
Account APY*
Business Checking w/ Interest $0 - $499.990.00%
Business Checking w/ Interest $500 - $7499.990.05%
Business Checking w/ Interest $7500+0.05%
Business Foundation0.00%
Business Professional $2,500+0.05%
Business Executive $7500+0.10%
Business Executive $2500 - $7499.990.10%
  • Rates and terms subject to change without notice.
  • *APY - Annual Percentage Yield

Business Shares

Rates current as of:
Business Share Rates
Account APY*
Business Share $0 - $99.990.00%
Business Share $100 - $19,999.990.10%
Business Share $20,000+0.10%

Business Money Market

Rates current as of:
Business Money Market Rates
Account APY*
Business Money Market $2,500-$9,999.990.16%
Business Money Market $10,000 - $24,999.990.16%
Business Money Market $25,000 - $49,999.990.20%
Business Money Market $50,000 - $249,999.990.25%
Business Money Market $250,000 - $1,000,0000.25%
Business Money Market $1,000,000 0.10%
Who We Are

People You Can Trust

We've always been and will forever be a People Company which means we focus on doing right by our members. Not to mention, we've got incredibly low-interest rates and dang good customer service right here in Texas. We can't wait to serve you!


Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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