Rates at The Port of Houston Credit Union

"The Port of Houston Credit Union is the key to your financial future."

Rates

Loans | Savings | Certificates

LENDING RATES Effective 1/28/2021

NEW AUTO’S & MOTORCYCLES,
NEW BOAT’S(MAX 5YRS), RV’S & TRAVEL TRAILERS

BEACON SCORE		Up to 36 Mos.	37-48 Mos.	49-60 Mos.	61-72 Mos.	73-84 Mos.
		APR	APR	APR	APR	APR
680+	A	6% *	7%	8%	9%	10%
640-679	B	7%	8%	9%	10%	11%
600-639	C	9%	10%	11%	12%	13%
550-599	D	18%	18%	18%	18%	18%
549 or less**	E	18%	18%	18%	18%	18%

(* = Base Rate; ** Score of 549 or less will require a 20% down payment)

USED AUTO’S & MOTORCYCLES
USED BOATS, RV’S & TRAVEL TRAILERS

BEACON SCORE		Up to 36 Mos.	37-48 Mos.	49-60 Mos.	61-72 Mos.	73-84 Mos.
		APR	APR	APR	APR	APR
680+	A	7%	8%	9%	10%	11%
640-679	B	8%	9%	10%	11%	12%
600-639	C	10%	11%	12%	13%	14%
550-599	D	18%	18%	18%	18%	18%
549 or less**	E	18%	18%	18%	18%	18%

(**Score of 549 or less will require a 20% down payment)

SIGNATURE LOANS

BEACON SCORE		0-60 Months
		APR
680+	A	11%
640-679	B	14%
600-639	C	17%
550-599	D	18%
549 or less	E	18%

Share Secured loans will be 3% above the current share rate at time of loan application.
Share Certificate Secured 3% Above Rate of Certificate at Time of Loan Application.
*Rates Are Subject to Change Without Notice Per Board of Directors.
**Terms and Conditions May Apply

Savings, Checking & IRA’s	APY*	Term
Regular Savings	0.501	*
Checking	0.250	*
IRA Savings	0.904	*

*APY = Annual Percentage Yield
* RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE PER BOARD OF DIRECTORS
* TERMS AND CONDITIONS MAY APPLY

Certificates	APY*	Term
$1000.00 Certificate 6 months	0.501	6
$1000.00 Certificate 12 months	0.853	12

*APY = Annual Percentage Yield
NA = Not Available
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