Apply Rates Locations Contact View All Rates Personal Loan Rates Rates effective as of 11/22/2021 Credit Cards Apply Now for a Credit Card Type APR1 as low as Platinum Mastercard® 7.75% Platinum Rewards Mastercard® 9.25% 1 APR is Annual Percentage Rate. Subject to credit approval. Variable rates subject to change at any time. Must be 21 or older to apply. Share/CD Secured | Unsecured Personal Loan Contact Us Learn More about Share/CD Secured Loans Type APR1 as low as Savings Secured up to 60 months Share rate + 3.25% Certificate Secured Certificate rate + 1.75% Unsecured terms up to 60 months as low as 9.75% 1 APR is Annual Percentage Rate. Subject to credit approval. Closed end unsecured terms: $500 - $2,500: 24-mo. term; $2,501 - $7,499: 36-mo. term; $7,500 - $20,000: 48-mo. term; Greater than $20,000: 60-mo. term. Vehicle Loan Rates Rates effective as of 11/22/2021 New Autos Apply Now for a New Auto Loan Term APR1-3 as low as up to 75 months (61 – 75 mo term only for requested amount of min. $15K or greater) 2.44% from 76 to 84 months (76-84 month term only for requested amount of minimum $30k or greater) 3.44% 1 Rate is good for new loans with automatic payment and LTV under 80%. Otherwise add 0.25% (25 basis points) to loan rate for coupon payment and 0.25% (25 basis points) to the loan rate for LTV 80% or higher. Rate is subject to change without notice. Existing ITCU auto loans can be refinanced by adding 0.50% (50 basis points) to the approved loan rate. 2 APR is Annual Percentage Rate. Subject to credit approval. Rates shown are the lowest option based on the highest credit rating. A typical repayment schedule for consumer closed-end loans for 60 monthly payments at 2.44% APR would be $17.72 per $1,000 borrowed. 3 Due to the complex and rapidly changing nature of the economy and the financial services industry, InTouch Credit Union reserves the right to modify rates or eliminate any of its services without notice; subject to applicable federal and state laws. Used Auto 4 Apply Now for a Used Auto Loan Mileage Term APR1-3 as low as Up to 80,000 maximum mileage, 8 years old and newer Terms up to 75 mo ($15K loan request and greater, 2016 or newer) 2.69% Terms from 76 to 84 mo ($30K loan request and greater, 2016 or newer) 3.69% 80,001 to 125,000 maximum up to 48 months, and must be 8 years old or newer 4.69% 1 Rate is good for new loans with automatic payment and LTV under 80%. Otherwise add 0.25% (25 basis points) to loan rate for coupon payment and 0.25% (25 basis points) to the loan rate for LTV 80% or higher. Rate is subject to change without notice. Existing ITCU auto loans can be refinanced by adding 0.50% (50 basis points) to the approved loan rate. 2 APR is Annual Percentage Rate. Subject to credit approval. A typical repayment schedule for Consumer closed-end loans for 60 monthly payments at 2.69% APR would be $17.83 per $1,000 borrowed. 3 Due to the complex and rapidly changing nature of the economy and the financial services industry, InTouch Credit Union reserves the right to modify rates or eliminate any of its services without notice; subject to applicable federal and state laws. 4 “Used models” refers to vehicles with up to 125,000 maximum mileage. Boat | Motorcycle | RV | Sport/Utility Vehicle Apply Now for a Boat, Motorcycle, RV, or Sport/Utility Vehicle Loan Type Term APR1 2 4 as low as New Boats Terms up to 60 mo. 4.49% 61 – 120 mo. ($25K min. MSRP/NADA Retail) 4.99% 121 – 180 mo. ($50K min. MSRP/NADA Retail) 5.74% Used Boats Must be 8 years old or newer; terms up to 60 mo. 4.74% Must be 8 years old or newer; terms from 61 to 120 mo. ($25K min. MSRP/NADA Retail) 5.24% Must be 8 years old or newer; terms from 121 to 180 mo. ($50K min. MSRP/NADA Retail) 5.99% New Campers, Motor Homes and Travel Trailers Terms up to 60 mo. 4.49% 61 – 120 mo. ($25K min. MSRP/NADA Retail) 4.99% 121 – 180 mo. ($50K min. MSRP/NADA Retail) 5.74% Used Campers, Motor Homes and Travel Trailers Must be 8 years old or newer; terms up to 60 mo. 4.74% Must be 8 years old or newer; terms from 61 to 120 mo. ($25K min. MSRP/NADA Retail) 5.24% Must be 8 years old or newer; terms from 121 to 180 mo. ($50K min. MSRP/NADA Retail) 5.99% New Motorcycles (Street Legal Only) Terms up to 75 Months 3.39% Used Motorcycles (Street Legal Only, 8 Years Old and Newer) Terms up to 75 Months 3.64% New Sport/Utility Vehicles 3 Terms up to 75 Months 3.39% Used Sport/Utility Vehicles (8 Years Old and Newer) 3 Terms up to 75 Months 3.64% 1 APR is Annual Percentage Rate. Subject to credit approval. 2 Rate is good for new loans with automatic payment and LTV under 80%. Otherwise add 0.25% (25 basis points) to loan rate for coupon payment and 0.25% (25 basis points) to the loan rate for LTV 80% or higher. Rate is subject to change without notice. 3 Sport/Utility vehicle examples: Jet skis, wave runners, snowmobiles, all terrain vehicles 4 Due to the complex and rapidly changing nature of the economy and the financial services industry, InTouch Credit Union reserves the right to modify rates or eliminate any of its services without notice; subject to applicable federal and state laws. Real Estate Loan Rates Mortgage Rates Rates effective as of 11/22/2021 Home Equity | Home Equity Line of Credit Apply Now for a Home Equity and Home Equity Line of Credit Term Index Margin APR1 5 as low as Home Equity (Second Lien Only) 2 60 month N/A N/A 5.35% 120 months N/A N/A 5.40% 180 months N/A N/A 5.45% Home Equity (First Lien Only) 2 60 months N/A N/A 3.85% 120 months N/A N/A 3.90% 180 months N/A N/A 3.95% Home Equity Line of Credit (HELOC) 2 3 5 yr draw / 5 yr repayment WSJ Prime 4 +0.75% 4.00% 5 yr draw / 10 yr repayment WSJ Prime 4 +1.00% 4.25% 5 yr draw / 15 yr repayment WSJ Prime 4 +1.25% 4.50% (For Mortgage Rates, click here.) 1 APR is Annual Percentage Rate. Repayment terms – A typical repayment schedule for Real Estate closed-end loans for 60 monthly payments at 5.35% APR would be $19.03 per $1,000 borrowed. A typical repayment schedule for a Consumer closed-end new-auto loan for 60 monthly payments at 2.44% APR would be $17.72 per $1,000 borrowed. ITCU does not escrow for taxes and insurance on Home Equity Loans. 2 Home Equity Line of Credit Loans are limited to 80% of home’s equity in Texas and 90% in other states. If applicant is approved and affirms to proceed with the loan, a fee may be assessed for a title search, flood search and an AVM (automated valuation model). Also, other charges may include: title policy costs, if HEL or HELOC request has a loan to property value greater than 70%, appraisal costs if the HEL or HELOC request is over $250,000 and lien filing taxes if property is located in an area where these taxes are charged. The minimum home equity loan or line amount is $7,500. Final APR for HELOC, regardless of state of residence, is variable, based on the Wall Street Journal Prime Rate “the index” published in the Money Rates section, plus a stated margin. APR may change the first day of each calendar quarter. Minimum APR is 4.00% and the maximum APR is 18.00%. Terms and conditions for all HELOCs: 1. Draw period is five years. Draw period cannot be extended, but a member may apply for a new HELOC and pay off their existing HELOC during the initial period to extend the draw period. 2. Draw period is an interest only payment period. Principal reduction is not required. 3. Repayment period may be 5, 10, or 15 years. 4. A single property can be secured by either a HELOC or HEL, but not both. 3 TEXAS HELOC: 1. May borrow up to 80% of home’s value. 2. Each draw (advance) must be at least $4,000, the minimum per Texas Statute. 3. Advances may be completed through the loan processors by phone, in person, or by written request. ALL OTHER STATES HELOC: 1. May borrow up to 90% of home’s value, minus existing mortgages. 2. Draw (advance) must be at least $100. 3. Advances may be completed through Online Banking, or by phone, in person, or by written request. 4 Wall Street Journal (WSJ) Prime Index rate as of March 15, 2020 was 3.25% APR. 5 Due to the complex and rapidly changing nature of the economy and the financial services industry, InTouch Credit Union reserves the right to modify rates or eliminate any of its services without notice; subject to applicable federal and state laws. Deposit Rates Rates effective as of 11/22/2021 Checking Learn More about Checking Accounts Types2 3 Balance(s) to Earn Dividends Dividend Rate Annual Percentage Yield1 On My Own/Geared Up $2,500 0.10% 0.10% HSA Checking (Health Savings Accounts) $100 0.25% 0.25% High-Yield See below4 0.05% 1.26% - 0.05%4 Tier 15 0.15% 0.15% Tier 25 0.35% 0.35% Tier 35 0.50% 0.50% Tier 45 1.25% 1.26% Momentum One $1,0006 0.05% 0.05% Momentum Plus $1,0006 0.05% 0.05% Prime (Tiers) $1,500 to $9,999.99 0.05% 0.05% $10,000 to $49,999.99 0.05% 0.05% $50,000 to $99,999.99 0.05% 0.05% $100,000 & greater 0.10% 0.10% 1 Applicable fees can reduce earnings. 2 Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. 3 Anticipated Dividends on all Checking Accounts (except High-Yield Checking; see notes 4 and 5), Savings and Money Fund Savings type shares are computed using the Date-of-Deposit/Date of Withdrawal method. Dividends are computed on each day’s balance. 4 Rate will apply to the Average Daily Balance (ADB) exceeding the maximum balance limit (AKA "cap"), currently $30,000, or all balances when the minimum monthly net debit card spend ($500.00) is not reached. Actual APY may vary based on account ADB each month. 5 Tier dividend rates are based on monthly net debit card spend and will be applied to the ADB up to the "cap" amount listed in note 4, as follows: Tier 1: $500.00 - $749.99; Tier 2: $750.00 - $1,499.99; Tier 3: $1,500.00 - $2,499.99; and Tier 4: $2,500.00+. 6Effective November 1, 2020, minimum balance requirement will be $1,000.00 for Momentum One and Momentum Plus. Savings Learn More about Savings Accounts Type2-5 Min. Balance to Earn Dividends Dividend Rate Annual Percentage Yield1 Regular/Par Share $5.00 0.05% 0.05% Holiday Club Savings3 $10.00 - $9,999.99 0.25% 0.25% $10,000+6 0.05% 0.25% - 0.05% Chip's Kids Geared Up On My Own $5.00 - $9,999.99 0.75% 0.75% $10,000+6 0.10% 0.75% - 0.10% IRA Savings4 No Minimum 0.10% 0.10% Health Savings No Minimum 0.25% 0.25% 1Annual Percentage Yield. Applicable fees can reduce earnings. 2 Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. Call 800-337-3328, Option 5. 3 Holiday Club Savings Account balance is disbursed every Oct 31st to member’s primary share account. Prior to Oct 31st withdrawals must be for full account balance. A penalty fee may be imposed for early withdrawal. See fee schedule for details. 4 A penalty may be imposed for early withdrawal. The amount of dividends earned will be shown on your statement. 5 Anticipated Dividends on Regular/Par Share and IRA Savings are computed using the Date-of-Deposit/Date of Withdrawal method. Dividends are computed on each day’s balance. Anticipated Dividends on Holiday Club, Chip’s Kids, Geared Up and On My Own Savings are computed using the Average Daily Balance (ADB) method. 6 Balances up to $9,999.99 will pay the above dividend rate and APY. Any amount added to the balance over $9,999.99 will receive the stated dividend rate which would make the APY between the stated APY for the account, depending on the balance in the account. Money Fund Learn More about Money Fund Accounts Tiers (Min. Balance to Earn Dividends) Dividend Rate2 Annual Percentage Yield1 $0 to 4,999.99 0.10% 0.10% $5,000 to $24,999.99 0.10% 0.10% $25,000 to $99,999.99 0.15% 0.15% $100,000 to $349,999.99 0.20% 0.20% $350,000 to $699,999.99 0.25% 0.25% $700,000 to $999,999.99 0.40% 0.40% $1,000,000 & greater 0.45% 0.45% 1Anticipated Dividends on Money Fund Savings type shares are computed using the Date-of-Deposit/Date of Withdrawal method. Dividends are computed on each day’s balance. Applicable fees can reduce earnings if average daily balance drops below $2,500. 2Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. Call 800-337-3328, Option 5. Certificates & IRAs Learn More about Certificate and IRA Accounts Type3 4 Min. Balance to Earn Dividends Dividend Rate2 Annual Percentage Yield1 Special Offers Youth/Young Adult 12-Month Certificate* $250 0.55% 0.55% Save to Win® 12-Month Certificate*6 $25 - $9,999.99 0.50% 0.50% $10,000 & greater5 0.05% 0.50%-0.05% 3-Month Certificate $1,000 0.10% 0.10% 3-Month HYC Certificate (High-Yield Checking Account required) $1,000 0.35% 0.35% 6-Month Certificate $1,000 0.40% 0.40% 6-Month HYC Certificate (High-Yield Checking Account required) $1,000 0.65% 0.65% 12-Month Certificate $1,000 0.50% 0.50% 12-Month HYC Certificate (High-Yield Checking Account required) $1,000 0.75% 0.75% 18-Month Certificate $1,000 0.55% 0.55% 24-Month Certificate $1,000 0.60% 0.60% 24-Month HYC Certificate (High-Yield Checking Account required) $1,000 0.85% 0.85% 30-Month Certificate $1,000 0.65% 0.65% 36-Month Certificate $1,000 0.70% 0.70% 36-Month HYC Certificate (High-Yield Checking Account required) $1,000 0.95% 0.95% 48-Month Certificate $1,000 0.85% 0.85% 60-Month Certificate $1,000 1.04% 1.05% 60-Month HYC Certificate (High-Yield Checking Account required) $1,000 1.29% 1.30% 1 APY Annual Percentage Yield. 2 Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. Call 800-337-3328, Option 5. 3 A penalty may be imposed for early withdrawal. InTouch Credit Union credits and compounds dividends earned on Certificates monthly. The amount of dividends earned will be shown on your statement. Dividends may be deposited directly into a specified account or rolled into the certificate. If you receive a check for dividends earned, checks will be mailed monthly. 4 Anticipated Dividends on Certificates are computed monthly. Applicable fees can reduce earnings. Dividends will begin to accrue on the business day you make the deposit. The amount of dividends earned will be shown on your statement. (Save to Win® Savings Account functions as a 12-mo. CD that will mature at the end of the 12-mo. term. For more information, click here.) 5 Balances up to $9,999.99 will pay the above dividend rate and APY. Any amount added to the balance over $9,999.99 will receive the stated dividend rate which would make the APY between the stated APY for the account, depending on the balance in the account. *Not available for IRA CD accounts. Business Rates Rates effective as of 11/22/2021 Business Certificates Types3 Min. Balance to Earn Dividends Dividend Rate2 APY1 3-Month Certificate $1,000 Min. 0.10% 0.10% 6-Month Certificate $1,000 Min. 0.40% 0.40% 12-Month Certificate $1,000 Min. 0.50% 0.50% 18-Month Certificate $1,000 Min. 0.55% 0.55% 24-Month Certificate $1,000 Min. 0.60% 0.60% 30-Month Certificate $1,000 Min. 0.65% 0.65% 36-Month Certificate $1,000 Min. 0.70% 0.70% 48-Month Certificate $1,000 Min. 0.85% 0.85% 60-Month Certificate $1,000 Min. 1.04% 1.05% 1 Annual Percentage Yield. Rates are subject to change without notice. 2 Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. Call Member Care at 800-337-3328, Option 5. 3 A penalty may be imposed for early withdrawal. InTouch Credit Union credits and compounds dividends earned on certificates monthly. The amount of dividends earned will be shown on your statement. Dividends may be deposited directly into a specified account or rolled into the certificate. If you receive a check for dividends earned, your check will be mailed monthly. Business Checking Learn More about Business Checking Types3 Min. Balance to Earn Dividends Dividend Rate2 APY1 Regular Business Checking $0 0.05% 0.05% Nonprofit Checking Non-Dividend Earning 0.00% 0.00% 1 APY is Annual Percentage Yield. Rates are subject to change without notice. Applicable fees can reduce earnings. 2 Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. Call 800-337-3328, Option 5 3 Anticipated Dividends on Checking are computed using the Date-of-Deposit/Date of Withdrawal method. Dividends are computed on each day’s balance. Applicable fees can reduce earnings. Business Money Fund Tiers (Min. Balance To Earn Dividends) Dividend Rate2 APY1 3 4 $0 to $4,999.99 0.05% 0.05% $5,000 to $24,999.99 0.15% 0.15% $25,000 to $99,999.99 0.20% 0.20% $100,000 to $349,999.99 1.00% 1.01% $350,000.00 to $699,999.99 1.40% 1.41% $700,000 to $999,999.99 1.50% 1.51% $1,000,000 & greater 1.60% 1.61% 1 APY is Annual Percentage Yield. Rates are subject to change without notice. Applicable fees can reduce earnings if average daily balance drops below $2,500. 2 Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. Call Member Care at 800-337-3328, Option 5. 3 Anticipated Dividends on Money Fund Savings type shares are computed using the Date-of-Deposit/Date of Withdrawal method. Dividends are computed on each day’s balance. Applicable fees can reduce earnings. 4 InTouch Credit Union credits and compounds dividends earned on Money Fund type shares monthly. The amount of dividends earned will be shown on your statement. Business Savings Learn More about Business Savings Types Min. Balance to Earn Dividends Dividend Rate2 3 APY1 Par Share / Required $5 0.00% 0.00% Regular $25 0.05% 0.05% Nonprofit $100 0.10% 0.10% 1 APY is Annual Percentage Yield. Rates are subject to change without notice. 2 Anticipated dividends may change after the account is opened. InTouch Credit Union reserves the right to modify dividends or eliminate any service without notice, subject to applicable federal and state laws. Call Member Care at 800-337-3328, Option 5. 3 Anticipated Dividends on Savings are computed using the Date-of-Deposit/Date of Withdrawal method. Dividends are computed on each day’s balance. Applicable fees can reduce earnings. Limited Time Offer Rates Rates effective as of 11/22/2021 Auto Refinance Offer (2021) Type APR APR1 as low as Special Offer - Refinance Your Auto 1.99% 1APR is Annual Percentage Rate. Rates subject to change without notice. See Auto Refinance Offer page for complete disclosures and details. Additional Available Services With every new account, the value of membership keeps growing – better rates, better products, better value for all. Become a Member We combine great rates with superior service to make your home buying or refinancing experience the best yet! Mortgage Details Signature and secured personal loans are available from InTouch Credit Union. Check out our latest competitive rates and apply today! Personal Loan Details Connect With Us Previous 800-337-3328 7:30am–8pm CST Mon-Fri 9am–3pm CST Saturday Find a Branch Near You Next About InTouch Rates Locations Contact Us About ITCU 800-337-3328 ABA/Routing Number: 311079474 Mail/Loan Payoff Address: P.O. Box 250169 Plano, TX 75025-0169 Disclosures Privacy Policy COMPLAINT NOTICE Site Map This credit union is federally insured by the National Credit Union Administration. Equal Housing Lender. NMLS ID# 446266. Rates may be fixed or variable and may include discounts or other promotional conditions. “APY” refers to Annual Percentage Yield. InTouch, and its Subsidiaries are licensed by Secure Axcess, LLC under U.S. Patent No. 7,631,191. Copyright © 2021 InTouch Credit Union