Main Office
4174 Old Anson Road Abilene, TX 79601 Phone: (325) 676-8925

Odessa Branch
4692 E University Blvd, Odessa, TX 79762 Phone: (432) 363-8650

Loan Rates


Save money with our Great Rates!

Loan Rates

Effective Date:  April 29, 2020. 
All rates are subject to change.

Account DescriptionApproximate TermDaily Periodic RateAnnual Percentage Rate
New Vehicles
2019-2020
36 to 72 Months0.008219 to 0.0246583.00% to 9.00%
Used Vehicles
2017-2019
54 Months0.009589 to 0.0369863.50% to 9.50%
2015-201642 Months0.009589 to 0.0369863.50% to 9.50%
2013-201436 Months0.012329 to 0.0287674.50% to 10.50%
2011-201230 Months0.012329 to 0.0287674.50% to 10.50%
2009-201024 Months0.012329 to 0.0287674.50% to 10.50%
New Recreational Vehicles96 Months0.010958 to 0.0273974.00% to 10.00%
120 Months0.010958 to 0.0273974.00% to 10.00%
Used Recreational Vehicles84 Months0.013014 to 0.0294524.75% to 10.75%
Farm EquipmentCheck with Credit Union0.013699 to 0.0410965.00% to 11.00%
Share Secured36 Months0.00082203.00%
TSC Secured
(advance is due when TSC matures)
2.00% over TSC rate
Personal12 to 36 Months0.021917 to 0.0383568.00% to 14.00%
Debt Consolidation48 Months0.016438 to 0.0328766.00% to 12.00%

* Term & Rate are available with conditional financing limits and guidelines.

Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement to the amount permitted by state law.

Late Charges: If your loan payment is received and applied to your loan 10 or more calendar days after your payment is due, you will be required to pay a late charge fee of 5% of your payment due not to exceed $20.00.