rates
Explore our competitive rates.
Current rates on all Texas Tech Credit Union products. Updated regularly.
Home Loan Rates
Auto Loan Rates
New
- Up to 48 mo.
- 4.49%
- 60 mo.
- 4.74%
- 72 mo.
- 4.99%
- 84 mo.
- 5.49%
Used
- Up to 48 mo.
- 4.74%
- 60 mo.
- 4.99%
- 72 mo.
- 5.24%
- 84 mo.
- 5.74%
Additional Rate Discounts:
- Up to 48 mo.
- -0.40%
- 60 mo.
- -0.40%
- 72 mo.
- -0.40%
- 84 mo.
- -0.40%
| LOAN TYPES | Up to 48 mo. | 60 mo. | 72 mo. | 84 mo. |
|---|---|---|---|---|
| New | 4.49% | 4.74% | 4.99% | 5.49% |
| Used | 4.74% | 4.99% | 5.24% | 5.74% |
| Additional Rate Discounts: | -0.40% | -0.40% | -0.40% | -0.40% |
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call (806) 742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New Vehicles: 2026-2027 model years.
Used Vehicles: 2024-2025 model years. (Rates shown above)
Rates for older model-year vehicles are subject to change.
84-month max is dependent on credit score, year of vehicle, and amount financed.
Motorcycle & ATV Loan Rates
New
- Up to 48 mo.
- 7.49%
- 60 mo.
- 7.74%
Used
- Up to 48 mo.
- 7.74%
- 60 mo.
- 7.99%
| LOAN TYPE | Up to 48 mo. | 60 mo. |
|---|---|---|
| New | 7.49% | 7.74% |
| Used | 7.74% | 7.99% |
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call (806) 742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New Motorcycles & ATVs: 2026-2027 model years.
Used Motorcycles & ATVs: 2024-2025 model years. (Rates shown above)
Rates for older model year motorcycles and ATVs are subject to change.
RV & Travel Trailer Loan Rates
New
- Up to 48 mo.
- 6.49%
- 60 mo.
- 6.74%
- 72 mo.
- 6.99%
- 84 mo.
- 7.49%
- 96 mo.
- 7.99%
- 120 mo.
- 8.74%
- 180 mo.
- 9.49%
Used
- Up to 48 mo.
- 6.74%
- 60 mo.
- 6.99%
- 72 mo.
- 7.24%
- 84 mo.
- 7.74%
- 96 mo.
- 8.24%
- 120 mo.
- 8.99%
- 180 mo.
- 9.74%
| LOAN TYPE | Up to 48 mo. | 60 mo. | 72 mo. | 84 mo. | 96 mo. | 120 mo. | 180 mo. |
|---|---|---|---|---|---|---|---|
| New | 6.49% | 6.74% | 6.99% | 7.49% | 7.99% | 8.74% | 9.49% |
| Used | 6.74% | 6.99% | 7.24% | 7.74% | 8.24% | 8.99% | 9.74% |
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call (806) 742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New RVs & Travel Trailers: 2026-2027 model years.
Used RVs & Travel Trailers: 2024-2025 model years. (Rates shown above)
Rates for older model year RV and travel trailers are subject to change.
Boat & Watercraft Loan Rates
New
- Up to 48 mo.
- 7.49%
- 60 mo.
- 7.74%
- 72 mo.
- 7.99%
- 84 mo.
- 8.49%
- 96 mo.
- 8.99%
- 120 mo.
- 9.74%
- 180 mo.
- 10.49%
Used
- Up to 48 mo.
- 7.74%
- 60 mo.
- 7.99%
- 72 mo.
- 8.24%
- 84 mo.
- 8.74%
- 96 mo.
- 9.24%
- 120 mo.
- 9.99%
- 180 mo.
- 10.74%
| LOAN TYPE | Up to 48 mo. | 60 mo. | 72 mo. | 84 mo. | 96 mo. | 120 mo. | 180 mo. |
|---|---|---|---|---|---|---|---|
| New | 7.49% | 7.74% | 7.99% | 8.49% | 8.99% | 9.74% | 10.49% |
| Used | 7.74% | 7.99% | 8.24% | 8.74% | 9.24% | 9.99% | 10.74% |
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call (806) 742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New Boats & Watercraft: 2026-2027 model years.
Used Boats & Watercraft: 2024-2025 model years. (Rates shown above)
Rates for older model year boats and watercraft are subject to change.
Personal Loan Rates
Unsecured Loan
- Excellent
- 10.49%
- Good
- 12.49%
- Average
- 14.99%
- Fair
- 16.99%
- Marginal
- 17.99%
- Poor
- 17.99%
Line of Credit
- Excellent
- 10.49%
- Good
- 12.49%
- Average
- 14.99%
- Fair
- 16.99%
- Marginal
- 17.99%
- Poor
- 17.99%
CD Secured Loan
- 2.00% above certificate earnings rate
| CREDIT SCORE | Excellent | Good | Average | Fair | Marginal | Poor |
|---|---|---|---|---|---|---|
| Unsecured Loan | 10.49% | 12.49% | 14.99% | 16.99% | 17.99% | 17.99% |
| Line of Credit | 10.49% | 12.49% | 14.99% | 16.99% | 17.99% | 17.99% |
| CD Secured Loan | 2.00% above certificate earnings rate | |||||
Rates effective 5/15/2023. All rates presented are APR (Annual Percentage Rate). Fixed-rate. For current rates, call (806) 742-3606. Rates subject to change based on account qualification and underwriting criteria.
Deposit Account Rates
Save Account
- Rate
- 1.00%
- APY
- 1.00%
- Balance
- $1+
Money Market Savings
- Rate
- 2.23%
- APY
- 2.25%
- Balance
- $1,000-$49,999.99
Money Market Savings
- Rate
- 2.47%
- APY
- 2.50%
- Balance
- $50,000-$99,999.99
Money Market Savings
- Rate
- 2.72%
- APY
- 2.75%
- Balance
- $100,000-$249,999.99
Money Market Savings
- Rate
- 2.96%
- APY
- 3.00%
- Balance
- $250,000-$499,999.99
Money Market Savings
- Rate
- 3.20%
- APY
- 3.25%
- Balance
- $500,000-$999,999.99
Money Market Savings
- Rate
- 3.45%
- APY
- 3.50%
- Balance
- $1,000,000+
| PRODUCT | Rate | APY | Balance |
|---|---|---|---|
| Save Account | 1.00% | 1.00% | $1+ |
| Money Market Savings | 2.23% | 2.25% | $1,000-$49,999.99 |
| Money Market Savings | 2.47% | 2.50% | $50,000-$99,999.99 |
| Money Market Savings | 2.72% | 2.75% | $100,000-$249,999.99 |
| Money Market Savings | 2.96% | 3.00% | $250,000-$499,999.99 |
| Money Market Savings | 3.20% | 3.25% | $500,000-$999,999.99 |
| Money Market Savings | 3.45% | 3.50% | $1,000,000+ |
Rates effective 8/17/2026. APY = Annual Percentage Yield. For current rates, call (806) 742-3606. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Certificates of Deposit Rates
Regular Certificates
- Terms (months)
- 6
- Minimum Deposit
- $1,000
- APY
- 3.75%
Regular Certificates
- Terms (months)
- 12
- Minimum Deposit
- $1,000
- APY
- 4.00%
Regular Certificates
- Terms (months)
- 18
- Minimum Deposit
- $1,000
- APY
- 3.50%
Regular Certificates
- Terms (months)
- 24
- Minimum Deposit
- $1,000
- APY
- 3.50%
Regular Certificates
- Terms (months)
- 36
- Minimum Deposit
- $1,000
- APY
- 3.25%
Regular Certificates
- Terms (months)
- 48
- Minimum Deposit
- $1,000
- APY
- 3.00%
Regular Certificates
- Terms (months)
- 60
- Minimum Deposit
- $1,000
- APY
- 3.00%
| PRODUCT | Terms (months) | Minimum Deposit | APY |
|---|---|---|---|
| Regular Certificates | 6 | $1,000 | 3.75% |
| Regular Certificates | 12 | $1,000 | 4.00% |
| Regular Certificates | 18 | $1,000 | 3.50% |
| Regular Certificates | 24 | $1,000 | 3.50% |
| Regular Certificates | 36 | $1,000 | 3.25% |
| Regular Certificates | 48 | $1,000 | 3.00% |
| Regular Certificates | 60 | $1,000 | 3.00% |
Rates effective 9/14/2026. APY = Annual Percentage Yield. Fixed rate. For current rates, call (806) 742-3606. Rates subject to change based on account balance criteria. Fees may reduce earnings. A penalty may be assessed for early withdrawal.
What makes us different.
Benefits of banking with a credit union:
Credit union membership means better rates than you'd find at a traditional bank or dealership. Simple as that.
View current ratesFlexible Terms Up to 84 Months
Pick the repayment timeline that fits your budget. Shorter to pay it off fast, longer to keep payments low.
Same-Day Decisions
Get approved in hours, not days or weeks. We keep things simple so you don't have to wait.
Real People, Real Support
Our team is here to help you find the right loan for your situation.
Ready to get started?
Apply online or visit a branch to lock in your rate today.