Rates
Interest
Consumer Loan Rates
Rates effective as of:
June 1, 2025
Loan Type
APR
New and Used Vehicles
Up to 60 months
from
6.50%
New and Used Vehicles
Up to 72 months
from
6.75%
New and Used Vehicles
Up to 84 months
from
7.25%
New and Used Boat, Motorcycle, and RV
Up to 60 months
from
8.25%
New and Used Boat, Motorcycle, and RV
Up to 120 months
from
9.25%
Signature Loan
Up to 36 months
from
11.00%
Line of Credit
Length of Term Varies
from
13.00%
Ag Loan Rates
Rates effective as of:
June 1, 2025
Loan Type
APR
Equipment - New
12 - 36 months
from
6.50%
Equipment - Used
12 - 24 months
from
6.75%
Livestock
12 months
from
6.50%
Share Rates
Rates effective as of:
June 1, 2025
Rate Description
APY
APR
Regular Share Savings Account: $25 - $4,999
0.20%
0.20%
Regular Share Savings Account: $5,000 - $9,999
0.25%
0.25%
Regular Share Savings Account: $10,000+
0.30%
0.30%
Share Draft Checking Account
Minimum balance of $500 required
0.10%
0.10%
Premium Savings Account: $25,000+
Minimum balance of $25,000 required
2.50%
2.50%
Share Certificates
Rates effective as of:
May 15, 2025
Rate Description
APY
APR
6-Month Share Certificate
Minimum Balance of $1,000
4.326%
4.25%
12-Month Share Certificate
Minimum Balance of $2,500
4.334%
4.25%
18-Month Share Certificate
Minimum Balance of $5,000
3.558%
3.50%
24-Months Share Certificate
Minimum Balance of $5,000
3.301%
3.25%
36-Months Share Certificate
Minimum Balance of $5,000
3.044%
3.00%
IRA Account
Rates effective as of:
December 1, 2023
Account Type
APY
APR
IRA Accounts (Traditional & Roth)
Minimum Balance of $25
1.00%
1.00%
All rates are quoted at the Annual Percentage Rate (APR). Rates are based on credit score and the term of the loan. Rates are subject to change at any time. All dividends are calculated by daily balance method and paid monthly.
Share Certificates
Texas Plains Federal's Share Certificates pay some of the highest dividends we offer. Select a maturity term anywhere from 6 months to 3 years. Share Certificates are available at minimum deposit levels as low as $1000. Ask a Texas Plains Federal representative for complete details.
The penalty for early withdrawal would be equal to 90 days of interest (dividends).
Rates are subject to change each week but are fixed for the term of the investment. Dividends will be paid monthly. The only time that a Share Certificates can receive funds through a transfer or deposit is during the 10-day grace period when the Share Certificates are opened or renewed.