Pre-approval for up to 100% financing isn't a dream
With terms ranging up to 84 months, enjoy the financial flexibility needed to cruise in the new or used vehicle you want.
Benefits You'll Love
- Rates as low as 4.99%
- Pre-approval available
- Get up to 100% financing
- Choose from a wide range of terms
Whether you’re purchasing a new or used vehicle, or you want to refinance your existing car loan to get a better deal, Texasgulf FCU is the place to go.
Whatever the plan is for your road ahead, make it happen.
- Rates as low as 4.99%
- Up to 100% financing for new and used vehicles
- Quick pre-approvals
- Choose terms up to 84 months
- Low-cost protection add-ons
Optional Loan Protection
Guaranteed Asset Protection (GAP) GAP is designed to protect you against financial loss in the event your car is stolen or declared a total loss in an accident. |
GAP can be added to new or used vehicle loans when you purchase your vehicle. |
Extended Warranty Protect your vehicle after your manufacturer's standard warranty expires. |
Extended Warranty can be added to a new or used vehicle loan |
Credit Life & Disability In the event of an accident or death, this insurance will help pay off the loan or help with monthly payments while disabled. |
Credit Life & Disability can be added to a new or used vehicle loan |
No matter how you move, we can help finance your fun. Whether it's a boat, trailer, RV, motorcycle, ATV, or even a tractor, we have the low-cost financing to make it happen.
We offer convenient terms up to 72 months for most collateral, while much larger collateral items may be financed up to 15 years.* If you don't see what you’re looking for, give us a call!
If you are unsure how much your budget can afford, check with us before you start shopping. Apply today and we’ll provide you with a pre-approval so you know how much you can afford to spend.
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
IRA Share Certificates
Term | Rate | APY |
---|---|---|
6 Month | 4.074% | 4.15% |
12 Month | 4.314% | 4.40% |
18 Month | 3.929% | 4.00% |
36 Month | 3.881% | 3.95% |
48 Month | 3.881% | 3.95% |
60 Month | 3.881% | 3.95% |
Minimum of $500.00 required to open an IRA Share Certificate.
IRA Shares
Balance | Rate | APY |
---|---|---|
$0.01 - $4,999.99 | 0.20% | 0.20% |
$5,000.00+ | 0.40% | 0.40% |
Kasasa Cash*
Balance | Rate | APY |
---|---|---|
0 - $20,000 | 5.84% | 6.00% |
$20,000+ | 0.41% | 6.00% to 0.41% |
All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
- Use your Texasgulf FCU Debit Card at least 12 times per month
- Sign up for eStatements
- Sign up and log into Online Banking at least once per month
Kasasa Saver*
Balance | Rate | APY |
---|---|---|
0 - $25,000 | 2.00% | 2.00% |
$25,000+ | 0.80% | 0.80% |
All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
- Use your Texasgulf FCU Debit Card at least 12 times per month
- Sign up for eStatements
- Sign up and log into Online Banking at least once per month
Loan Rates
Term | Rates start as low as |
---|---|
New or used vehicle up to 36 months. | as low as 4.49% |
New or used vehicle up to 48 months | as low as 5.89% |
New or used vehicle 49 - 72 months | as low as 6.39% |
New vehicle up to 84 months | as low as 7.00% |
Personal loans | as low as 8.95% |
Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months | as low as 6.99% |
Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. 49 to 72 months | as low as 7.99% |
Large collateral items Please call for more information 84 to 180 months | as low as 8.25% |
MasterCard® | as low as 7.99% |
Secured MasterCard® | 12.00% |
Share Secured | 3.25% |
Certificate Secured | Certificate rate + 1.25% |
Rates are based on your credit worthiness and may be higher than the rates listed above. Please check with your loan officer for your exact rate.
Money Market Account
Balance | Rate | APY |
---|---|---|
$0.01 - $1,999.99 | 0.00% | 0.00% |
$2,000.00 - $9,999.99 | 0.50% | 0.50% |
$10,000.00 - $49,999.99 | 1.00% | 1.00% |
$50,000.00+ | 1.74% | 1.75% |
Minimum balance of $2,000.00 required to open and earn dividend.
Share Certificates
Term | Rate | APY |
---|---|---|
6 Month | 4.074% | 4.15% |
12 Month | 4.314% | 4.40% |
18 Month | 3.929% | 4.00% |
36 Month | 3.881% | 3.95% |
48 Month | 3.881% | 3.95% |
60 Month | 3.881% | 3.95% |
Minimum of $500.00 required to open a share certificate.
Shares
Balance | Rate | APY |
---|---|---|
$25.00 - $499.99 | 0.10% | 0.10% |
$500.00 - $4,999.99 | 0.15% | 0.15% |
$5,000.00 - $24,999.99 | 0.15% | 0.15% |
$25,000.00+ | 0.20% | 0.20% |