Savings, CD & Loan Rates

Savings, CDs & Loan Rates

Savings, Checking, and Money Market Accounts

Account TypeAnnual Percentage YieldAnnual Percentage RateBalance for Dividend
Kasasa Saver0.199%0.20%Up to $10,000
Kasasa Saver0.100%0.10%Over $10,000
Kasasa Cash1.094%1.10%Up to $10,000
Kasasa Cash0.099%0.10%Over $10,000
Money Market0.149%0.15%$2,500
Holiday/Vacation Club0.05%0.05%$200

IRA Accounts


Certificates of Deposit Accounts

TermAnnual Percentage RateAnnual Percentage YieldMinimum Deposit
6 Months0.747%0.75%$1000
12 Months1.242%1.25%$1000
18 Months1.242%1.25%$1000
24 Months1.588%1.60%$1000
36 Months1.736%1.75%$1000
48 Months1.932%1.95%$1000
60 Months2.080%2.10%$1000

Note: For balances $50,000+ increase dividend rate by 15 basis points (0.15%).

Savings and Checking Accounts (Grandfathered)

Account TypeAnnual Percentage YieldAnnual Percentage RateMinimum Balance for Dividend
Silver Checking0.05%0.05%$200
VIP/Bonus/Business Checking0.05%0.05%$500
Met Setters Checking0.05%0.05%$5
Money Market0.15%0.15%$2,500

*APY= Annual Percentage Yield. Minimum amount to open Certificate is $1,000. All Rates and APY are subject to change without notice APY or Annual Percentage Yield assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.Fees can reduce the earnings of deposit accounts. Penalty may apply for early withdrawal of CD deposits.


Loan TypeAPR*Amount
Home Equity6.25% - 8.25%$2,500 min - $50,000 max

Home Improvement

Loan TypeAPR*Amount
Home Improvement9.00%$2,500 min - $15,000 max
10.00%$15,001 - $25,000

Personal Loan

Holiday Loan12.99%
Signature Loan12.00% - 18.00%
Line of Credit12.00% - 18.00%
Second Chance LOC / Signature18.00%

New/Used Autos

Model YearTermAPR*
2021-2022Up to 72 months4.99% - 15.99%
2020Up to 60 months4.99% - 15.99%
2019Up to 54 months4.99% - 15.99%
2018Up to 48 months4.99% - 15.99%
2017Up to 42 months4.99% - 15.99%
2016Up to 36 months4.99% - 15.99%
2015Up to 12 - 30 months4.99% - 15.99%

New/Used Recreational Vehicles – Up To 85% INV/TRD Value

Under $50,000.00Up to 60 months9.00%
Over $50,000.0061 to 120 months10.00%

New/Used Motorcycle – Financing Up To 80% INV/TRD Value

Up to 48 Months5.99% - 15.99%
*APR – Annual Percentage Rate

For current information call your Credit Union at (713) 699-0795 or (888) 271-6035.

This Rate Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Houston Metropolitan Federal Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on credit worthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on Secured loans may increase or decrease the rate.

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