All loan rates shown below are quoted as Annual Percentage Rates (abbreviated APR). All consumer loans are calculated on a simple interest basis and carry no pre-payment penalties or pre-paid interest charges. Optional credit life and credit disability insurance is available to most borrowers on all types of loans through CUNA MUTUAL INSURANCE. Loan rates are published showing qualifying ranges by loan types. Your Annual Percentage Rate is determined by your individual credit rating score that is obtained from a credit reporting agency. Your interest rate, term and payment amount will be determined when we process your loan application. Rates and terms are subject to change without notice.
|Loan Type||Maximum Term||APR Ranges (%)*|
|New or Used Automobiles up to 3 years old 2022-2019 ( Take a courtesy credit of 0.25% if financed less than 36 months)||Up to 48 Months||As low as 2.49%|
|–||60 Months||As low as 2.79%|
|–||72 Months||As low as 2.99%|
|*Vehicles over $50,000||84 Months||As low as 3.24%|
|Older Used Vehicles (4-10 years)||48 Months||As low as 2.99%|
|–||54 Months||As low as 3.24%|
|–||60 Months||As low as 3.79%|
|NEW!||72 Months||As low as 4.00%|
|(Mileage over 85,000, add .50% to rate Maximum financing terms < 150,000|
|New Boats, Motors and Trailers||Up to 72 Months||As low as 4.49%|
|*New Units >$65k||Up to 96 Months||As low as 4.79%|
|Used Boats, Motors and Trailers||Up to 60 Months||As low as 5.24%|
|Up to 72 Months||As low as 5.49%|
|* Used Units >$65k||Up to 84 Months||As low as 5.79%|
|Farm Equipment||Up to 60 Months||As low as 5.49%|
|Farm Trailers up to 16 ft.||Up to 60 Months||As low as 6.24%|
|Motorcycles||Up to 36 Months||As low as 6.49%|
|37 – 60 Months||As low as 6.99%|
|New 4-Wheelers, Mules and Golf Carts||Up to 60 Months||As low as 6.00%|
|Used 4-Wheelers, less than 3 years||Up to 36 Months||As low as 7.00%|
|CASHNOW PAL||12 Months||28% APR + Fee|
|InstaCash Loan||12 Months||18% APR + Fee|
|Personal Loans||Up to 60 Months||12.79% – 18.00% APR|
|Back on Track Loans||Up to 60 Months||5.99% – 11.24% APR|
|Share or Certificate Secured Loan||Term Varies||2.00 – 4.00% APR|
Note: Not all borrowers may receive the lowest rate. Rates are subject to change at any time without notice. Some conditions apply. Brazos Star Credit Union also offers competitive pricing on Vehicle GAP and Service products. Year, make and mileage of a new or used vehicle are a factor in in the loan rate offered to approved borrowers. A down payment may be required on certain loan arrangements. Brazos Star now offers a loan payment portal call REPAY. REPAY is used to set up recurring or single pay ACH or Debit card payment options for our borrowers. Rate discounts up to 0.25% may be available on new and used vehicle loans when using REPAY.
* These rates are current as of 01-05-2022. APR=Annual Percentage Rate. Brazos Star Credit Union uses risk-based pricing. The rate you pay depends upon your credit history, collateral type and value, the age and mileage of collateral and other factors. All applications subject to credit qualifications, income verification, employment history and credit capacity. Not all members may receive the lowest rate. Interest rates on loans are subject to change at any time.
The credit union may offer other rates or promotional rates in the future. Special promotional or refinancing rates do not apply to loans already financed at Brazos Star Credit Union. Rates and terms are subject to change at any time. Brazos Star Credit Union offers closed end fixed term loans and VISA® branded credit card lines of credit for qualifying members.
Brazos Star Credit Union proudly offers Mortgage loan financing in partnership with CU MEMBERS MORTGAGE. To obtain more information and to apply, go to this website address www.homeloancu.com
Brazos Star Credit Union is an Equal Housing Lender. MEMBER NCUA
**Application fee of $25.00 is required on all CASHNow loans and may not be included in the loan amount.