Consumer Loan Rates

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Our loans can help lift you up. Our rates won't let you down.

Perhaps in a perfect world no one would have to borrow money. But in reality, most of us need a little financial help from time to time. By keeping our loan rates in check, DATCU makes it easier for Texans to build better lives, buy the things they need, and deal with the unexpected.


Automobile Rates

Year Model Term Rate* MVP Rate* MVP Rate & 90% LTV
2016 — 2019 66 months 4.24% 3.99% 3.84%
2016 — 2019 72 months 4.49% 4.24% 4.09%
2016 — 2019 75 months 4.74% 4.49% 4.34%
2014 — 2015 66 months 4.29% 4.04% 3.89%
2014 — 2015 72 months 4.54% 4.29% 4.14%
2012 — 2013 48 months 4.64% 4.39% 4.24%
2012 — 2013 60 months 5.14% 4.89% 4.74%
2011 — Older 48 months 6.54% 6.29% 6.14%
2011 — Older 54 months 7.04% 6.79% 6.64%
Lower APR for MVP’s *Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Rates reflect an additional .25% discount for MVP Program Benefit and .15% discount for 90% LTV. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 4/24/2018. All Loans Must be MLA Compliant.

Mortgage Rates

Program Name Rate APR Payment
Conv 30 Year (Conforming) 5.00% 5.157% $0.00
Conv 20 Year (Conforming) 4.875% 5.086% $0.00
Conv 15 Year (Conforming) 4.750% 5.013% $0.00
Conv 10 Year (Conforming) 4.500% 4.878% $0.00
FHA 30 Year (FHA) 4.625% 5.987% $0.00
FHA 15 Year (FHA) 4.125% 5.348% $0.00
15 Year Equity (Other) 5.750% 5.840% $0.00
10 Year Equity (Other) 5.500% 5.627% $0.00
5 Year Equity (Other) 5.250% 5.490% $0.00
HELOC (Other)* 6.250% 6.250% $0.00
APR = Annual Percentage Rate
The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. 
Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR.

APR calculation assumes the following loan conditions:
  • Conventional: Loan Amount - $100,000.00; LTV - 80%
  • FHA: Loan Amount - $120,625.00; LTV - 96.5%
  • Jumbo: Loan Amount - $417,001.00; LTV - 80%
  • Other: Loan Amount - $50,000.00; LTV - 80%
*Home Equity Line of Credit: this loan has a 15 year term which is adjustable quarterly and is based on Wall Street Journal Prime + 1%. The first 5 years of the term consists of interest-only payments and the final 10 years is the principal + interest payback period. Minimum draw request must be $4000 during the first 5 years. Note rate floor: 4%. Note rate ceiling: 18%.

Rates are subject to change without notice. Rates updated daily.

Recreational Vehicle Rates

Amount Term Rate* MVP Rate*
$0 — $4,999 36 months 9.49% 9.24%
$5,000 — $9,999 60 months 9.49% 9.24%
$10,000 — $14,999 72 months 8.00% 7.75%
$15,000 — $24,999 120 months 6.24% 5.99%
$25,000 — $49,000 144 months 5.99% 5.74%
$50,000 — Above 180 months 5.74% 5.49%
Lower APR for MVP’s *Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Rates reflect an additional .25% discount for MVP Program Benefit and .15% discount for 90% LTV. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 4/24/2018. All Loans Must be MLA Compliant.

Signature/Line of Credit Rates

Amount Term Rate* MVP Rate*
$0 — $1,500 12 months 9.65% 9.40%
$1,501 — $3,000 24 months 10.15% 9.90%
$3,001 — $4,500 36 months 10.65% 10.40%
$4,501 — $6,000 48 months 11.15% 10.90%
$6,001 — Above 60 months 11.65% 11.40%
Lower APR for MVP’s *Annual percentage rate. Your actual rate will depend on your credit score. Rates are subject to change without notice. Flexible terms available. Rates reflect an additional 0.25% discount for MVP Program Benefit. Certain restrictions and terms may apply. Subject to credit approval. APR is accurate as of 2/26/2018. All Loans Must be MLA Compliant.