Keep your account in good standing & avoid unwanted fees
In the event of account overdraft, Texasgulf FCU has your back with the benefits of Courtesy Pay.
Benefits You'll Love
- Avoid overdraft fees
- Manage cash more effectively
- Insufficient funds coveage up to $500.00
- Easy to enroll in and use
How Does Courtesy Pay Work?
At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. To help members avoid this occasional problem, Texasgulf FCU offers Courtesy Pay.
Courtesy Pay is a non-contractual courtesy, whereby we my honor your insufficient transactions up to your limit of $500.00, as long as you maintain your share draft account in good standing. Courtesy Pay does not guarantee that Texasgulf FCU will pay your insufficient item. However, if you should have an overdraft, your account will be charged our standard $25.00 non-sufficient funds (NSF) fee.
Courtesy pay may not be available to all accounts, such as business, minor or second accounts and can be revoked at anytime.
With Courtesy Overdraft Privilege, our intention is to provide you with another resource to help manage your occasional cash shortfall. Our Courtesy Pay Program will automatically be added to your account for checks, automatic bill payments and other debit transactions.
For more details regarding your options for overdraft coverage, please click here and print or save a copy for your records.
To Opt-In to Overdraft Coverage speak with a Financial Service Representative at our Wharton (979) 282-2300 or El Campo (979) 578-9000 branch or call toll free 1-800-647-8428. You can also email [email protected] with "Courtesy Pay Opt-out" in the subject line.
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% |
