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Home Loan Rates
Auto Loan Rates
Loan Type
Up to 48 mo.
60 mo.
72 mo.
84 mo.
New
4.49%
4.74%
4.99%
5.49%
Used
4.74%
4.99%
5.24%
5.74%
Additional Rate Discounts
-0.40%
-0.40%
-0.40%
-0.40%
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call 806-742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New Vehicles: 2025-2026 model years.
Used Vehicles: 2023-2024 model years. (Rates shown above)
Rates for older model year vehicles are subject to change.
Motorcycle & ATV Loan Rates
Loan Type
Up to 48 mo.
60 mo.
New
7.49%
7.74%
Used
7.74%
7.99%
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call 806-742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New Motorcycles & ATVs: 2025-2026 model years.
Used Motorcycles & ATVs: 2023-2024 model years. (Rates shown above)
Rates for older model year motorcycles and ATVs are subject to change.
RV & Travel Trailer Loan Rates
Loan Type
Up to 48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
180 mo.
New
6.49%
6.74%
6.99%
7.49%
7.99%
8.74%
9.49%
Used
6.74%
6.99%
7.24%
7.74%
8.24%
8.99%
9.74%
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call 806-742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New RVs & Travel Trailers: 2025-2026 model years.
Used RVs & Travel Trailers: 2023-2024 model years. (Rates shown above)
Rates for older model year RV and travel trailers are subject to change.
Boat & Watercraft Loan Rates
Loan Type
Up to 48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
180 mo.
New
7.49%
7.74%
7.99%
8.49%
8.99%
9.74%
10.49%
Used
7.74%
7.99%
8.24%
8.74%
9.24%
9.99%
10.74%
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. For current rates, call 806-742-3606. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change.
New Boats & Watercraft: 2025-2026 model years.
Used Boats & Watercraft: 2023-2024 model years. (Rates shown above)
Rates for older model year boats and watercraft are subject to change.
Personal Loan Rates
Credit Score
Excellent
Good
Average
Fair
Marginal
Poor
Unsecured Loan
10.49%
12.49%
14.99%
16.99%
17.99%
17.99%
Line of Credit
10.49%
12.49%
14.99%
16.99%
17.99%
17.99%
CD Secured Loan
2.00% above certificate earnings rate
Rates effective 5/15/2023. All rates presented are APR (Annual Percentage Rate). Fixed-rate. For current rates, call 806-742-3606. Rates subject to change based on account qualification and underwriting criteria.
Deposit Account Rates
Product
Rate
APY
Balance
Save Account
1.00%
1.00%
$5+
Money Market Savings
2.23%
2.25%
$1,000-$49,999.99
Money Market Savings
2.47%
2.50%
$50,000-$99,999.99
Money Market Savings
2.72%
2.75%
$100,000+
Rates effective 9/29/2025. APY = Annual Percentage Yield. For current rates, call 806-742-3606. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Certificates of Deposit Rates
Product
Terms (months)
Minimum Deposit
APY
Regular Certificates
6
$1,000
3.50%
Regular Certificates
12
$1,000
3.50%
Regular Certificates
18
$1,000
3.50%
Regular Certificates
24
$1,000
3.50%
Regular Certificates
36
$1,000
3.25%
Regular Certificates
48
$1,000
3.00%
Regular Certificates
60
$1,000
3.00%
Rates effective 11/17/25. APY = Annual Percentage Yield. Fixed rate. For current rates, call 806-742-3606. Rates subject to change based on account balance criteria. Fees may reduce earnings. A penalty may be assessed for early withdrawal.