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 4.49%
- 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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Select. Apply. Enjoy.
Utilize our member auto center to explore vehicle listings, get a quote, evaluate trade-in values, and more.
Find a Vehicle with Our Preferred Dealers.
Navigating a car purchase can be stressful. For our members, we try to keep it straightforward. Use our member auto center to connect with dealers we trust.
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 | 3.929% | 4.00% |
| 12 Month | 4.169% | 4.25% |
| 18 Month | 3.832% | 3.90% |
| 36 Month | 3.446% | 3.50% |
| 48 Month | 3.446% | 3.50% |
| 60 Month | 3.446% | 3.50% |
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+ | 0.99% | 6.00% to 1.83% |
| 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 | 1.98% | 2.00% |
| $25,000+ | 0.80% | 2.00% to 0.50% |
| 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 5.60% |
| New or used vehicle 49 - 72 months | as low as 5.99% |
| New vehicle up to 84 months | as low as 6.75% |
| 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 | 3.929% | 4.00% |
| 12 Month | 4.169% | 4.25% |
| 18 Month | 3.832% | 3.90% |
| 36 Month | 3.446% | 3.50% |
| 48 Month | 3.446% | 3.50% |
| 60 Month | 3.446% | 3.50% |
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% |
