Texans Credit Union NMLS #530654. Texans mortgage lending is restricted to property in Texas. To qualify as a first-time homebuyer, you cannot have any home ownership interest in the past 3 years. Property insurance is required, including flood insurance where applicable. An escrow account for taxes and insurance is required. Under certain circumstances, private mortgage insurance (PMI) may be required. Minimum loan amount is $150,000 and the purchase price cannot exceed $550,000. Valid for primary residences and for consumer purposes only. Condominiums and Manufactured homes are not eligible. All loans are subject to credit and property approval. Products, rates, terms and conditions are determined by the overall creditworthiness of each applicant and are subject to change without notice; other restrictions may apply. This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z.

^ APY (Annual Percentage Yield). APY is accurate as of 07/08/2025. Required minimum balance to open and earn stated yield is $500 for Standard Certificate Account and $100,000 for Jumbo Certificate Account. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a Jumbo Certificate Account falls below the minimum balance requirements, it will automatically renew to a Standard Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.

* Annual Percentage Rate (APR). Lowest rate currently available as of 09/16/2025. Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors.  Products, rates, and terms are subject to change without prior notice; other restrictions may apply. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 30 years available on first lien home equity loans. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Member may incur one-time property tax monitoring fee and may pay additional 3rd party fees. These fees typically do not exceed $500.00. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 5.873% APR for 5 years is $1,923.53. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater. This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z. Texans Credit Union NMLS #530654