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:
We're so confident in our mortgage rates, we back them with a $1,000 Best Rate Guarantee. If another lender beats our rate, we'll pay you.
View current ratesTransparent From Day One
No surprises, no hidden fees, no runaround. We tell you exactly what to expect at every step of the process.
In-House Underwriting
Your loan stays local, which means faster turnaround, clearer communication, and fewer delays from start to finish.
Invested in Our Community
As a member-owned credit union, our success is your success. Every mortgage we close strengthens the West Texas communities we're proud to call home.
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.
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.
Earn More on Your Savings
Money Market Accounts typically offer higher dividends compared to regular savings accounts, allowing you to maximize your returns.
Keep Your Flexibility
Money Market Accounts provide easy access to your funds. Make unlimited withdrawals and transfers without penalties.
Save With Confidence
NCUA insured up to $250,000. Grow your savings knowing your money is safe and secure, backed by federal protection.
Enjoy a fixed dividend rate for the full term of your certificate, no matter what happens in the market.
View current ratesPredictable Growth
Know exactly how your savings will grow over time.
Save Toward Bigger Goals
Ideal for funds you won't need right away and want working harder for you.
Save With Confidence
NCUA insured up to $250,000. Your certificate is safe and secure, backed by federal protection.
Ready to get started?
Apply online or talk with one of our local loan officers to lock in your rate.
Apply online or visit a branch to lock in your rate today.
Apply online or visit a branch to lock in your rate today.
Open your account online or visit a branch to start earning today.
Open a certificate online or visit a branch to lock in your rate today.