Loan Rates
Rates are subject to change at any time. Contact Credit Union for current rates.
New & Used Autos
| 36 months | As low as 4.00% |
| 48 months | As low as 4.25% |
| 60 months | As low as 4.25% |
| 72 months | As low as 4.75% |
| 84 months | As low as 5.25% |
Recreational Vehicles
| 36 months | As low as 6.00% |
| 48 months | As low as 6.25% |
| 60 months | As low as 6.25% |
| 72 months | As low as 6.75% |
| 84 months | As low as 7.25% |
Personal Loan
| Up to 72 months | As low as 12.00% |
Overdraft Protection
| Up to 36 months | As low as 10.50% |
"Good2Go" Quick Loan
| Up to 6 months | 18% |
No credit check. $20 processing fee.
Share and CD Secured
| Up to 120 months | 2.00% over rate |
No credit check.
Mortgage Loans- Purchase & Refinance
| 10 year | 5.25% | 5.724% |
| 15 year | 5.50% | 5.836% |
| 20 year | 5.75% | 6.019% |
| 30 year | 6.00% | 6.204% |
Purchase: We offer up to 90% financing without mortgage insurance.
Refinance: We offer up to 90% financing, based on the fair market value of your home, without mortgage insurance. These types of loans cannot have any equity monies involved.
Home Equity
| 10 year | 5.25% | 5.254% |
| 15 year | 5.50% | 5.503% |
| 20 year | 5.75% | 5.752% |
| 30 year | 6.00% | 6.002% |
Home Equity: We can offer up to 80% of the fair market value of your home, provided that the maximum principal amount, when added to all other debts secured by your home, doesn’t exceed the 80% threshold as set up in the home equity guidelines defined by Section 50(a)(6), Article XVI, Texas Constitution. The rates on our equity loans are determined by median credit score.
Unimproved Land
As low as 5.75% APR 6.231%
Construction
As low as 6.75% APR 9.529%
Barndominium • Commercial
For Barndominium or Commercial loan rates, please contact Gulf Credit Union by calling 409.963.1191.
Rates are subject to change at anytime. Mortgage rates do NOT apply to Commercial Real Estate loans. All rates are based on credit approval. Other restrictions may apply. *All rates are annual percentage rates (APR).
Auto Loans: A $30,000 loan with a 36-month term at 5.50% APR equals a $905.69 monthly payment.
Recreational Vehicles: A $20,000 loan with a 36-month term at 5.50% APR equals a $608.31 monthly payment
Personal Loans: Monthly payment would be $586.32 on $30,000 borrowed for 72 months at 12.00% APR.
Mortgage Loans: APR = Annual Percentage Rate. APR is calculated based on a loan amount of $150,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.