A Better Place to Bank
 

Rates

Stop by your local branch or call a Member Service Representative today at (214) 574-2000 or toll-free (800) 388-7889 outside the Dallas area about flexible terms and affordable payments on MOBILITY Credit Union products.

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Consumer LoansHome EquityHELOCMortgages
SavingsCDsIRAsShare DraftsHigh Yield Money Market

All published rates are subject to change without notice, certain terms and conditions may apply. See "Important Account Information for Our Members" brochure for complete details.

Consumer Loans

Your Term

APR*
as low as

Example Repayment Terms: 60 Monthly payments of $19.22 for each $1,000 borrowed at 5.75%.

*APR = Annual Percentage Rate. Actual Rate based on applicant credit. Rates subject to change without notice.

All Secured Non-Real Estate Loans
(Autos, Boats, RV's, Motorcycles, Equipment, etc.)

Up to 78 Months

1.99%

All Unsecured Loans Including Line Of Credit

Up to 60 Months

8.00%

Share and CD Secured

For Term
Contact a Loan Officer

 1.99%

Home Equity Loan

Your Term

APR*
as low as

Example Repayment Terms: 60 monthly payments of $370.34 for a $20,000.00 loan at 4.20%. 

*APR = Annual Percentage Rate. Actual Rate based on applicant credit. Rates subject to change without notice.

1st Lien Home Equity Loan

0 - 60 Months

4.40% 

 

61 - 120 Months

4.45% 

 

121 - 180 Months

4.50%

2nd Lien Home Equity Loan

0 - 60 Months

 5.40%

 

61 - 120 Months 

 5.45%

 

121 - 180 Months 

 5.50%

Home Equity Line of Credit1,2,3 Term Index Margin APR*

(HELOC Loans Effective June 1, 2013)

.25% discount for automatic payment from YCCU account or ACH

*APR = Annual Percentage Rate. Actual Rate based on applicant credit. Rates subject to change without notice.

1) All HELOC annual percentage rates are variable based on the Wall Street Journal Prime Rate, “the Index”, published in the Money Rates section, plus a stated margin. Check rates for the current Index. The APR may change on the first day of each calendar quarter, January, April, July, and October. Changes in APR can only occur if “the Index” has changed since the last rate change. The minimum is 4.25% and the maximum is 18.00%. APR is Annual Percentage Rate.
2) There is no fee for application however, other charges may include appraisal and title policy costs, if the loan is greater than $100,000.
3) Consult your tax adviser regarding deductibility of interest. HELOC Terms and Conditions are as follows: 1. The minimum line amount is $15,000. 2. The draw period is either five (5) or ten (10) years in length. The draw period cannot be extended.  You may apply for a new HELOC, pay off the existing HELOC during the initial period, and begin a new draw period. 3. The draw period is an interest only payment period. Reduction of principal is not required. 4. The repayment period may be either 5 or 10 years in length and the minimum payment amount is $25.00. 5. A single property can be secured by either a HELOC or a home equity loan, not both at the same time. 6. You may borrow up to 80% of the value of your home minus existing mortgages, but the credit line is limited to 50% of the home’s value. 7. Each draw (advance) must be at least $4000, the minimum per Texas statute. 8. Advances may be completed by phone, in person, by written request, Home Banking, or the Automated Phone Banking System.

1st or 2nd Lien Home Equity Line of Credit 5 yr Draw/5 yr Repayment WSJ Prime 1.00 4.25%
  5 yr Draw/10 yr Repayment WSJ Prime 1.25 4.50%
  10 yr Draw/10 yr Repayment WSJ Prime 1.50 4.75%

Mortgage Loans

Your Term

Rates

Fixed Rate

10 - 30 year

Current Rates 

Adjustable Rate

1,3,5,7,10 year

Current Rates

FHA / VA 

15 - 30 year 

Current Rates

Call one of our mortgage loan officers toll free at 1-855-855-7692 or apply online.

Tiered Savings1 Dividend Rate APY** Effective

1) Rates are for Regular Savings, Secondary Savings and Escrow Savings

**APY = Annual Percentage Yield. Rates subject to change without notice. Qualifying criteria applies.

$5.00 - $99.99 0.00% 0.00% 05/01/00
$100.00 - $4,999.99 0.03% 0.03% 08/01/13
$5,000.00+ 0.05% 0.05% 08/01/13

Checking 

Dividend Rate

APY**

Effective

1) No Minimum Daily Balance Required
2) Dividends Obtained with Minimum Daily Balance of $1,000

**APY = Annual Percentage Yield. Rates subject to change without notice. Qualifying criteria applies.

FREE Checking1

0.00%

0.00%

04/01/12

Choice Checking2

0.03%

0.03%

08/01/13

High Yield Money Market

Dividend Rate

APY**

Effective

*Dividends obtained with Minimum Daily Balance of $2500.00

**APY = Annual Percentage Yield. Rates subject to change without notice.  Qualifying criteria applies.

$100 - $2,499.99

0.00%

0.00%

04/01/12

$2500 - $9,999.99

0.05%

0.05%

04/01/12

$10,000 - $24,999.99

0.10%

0.10%

04/01/12

$25,000-$49,999.99

0.15%

0.15%

04/01/12

$50,000-$99,999.99

0.25%

0.25%

05/01/13

$100,000-$249,999.99

0.30%

0.30%

05/01/13

$250,000-$499,999.99

0.40%

0.40%

05/01/13

$500,000+

0.50%

0.50%

05/01/13

Certificate of Deposit and IRA Certificates1,2,3

Dividend Rate

APY**

Effective

1) Minimum $500.00 purchase
2) IRA Certificates not available in 3, 6 or 18 month terms.
3) With regard to Certificate of Deposit, an early withdrawal penalty may apply.

**APY = Annual Percentage Yield. Rates subject to change without notice. Qualifying criteria applies.

3-Month CD

     

$500 - $2,499.99 

  0.25% 

 0.25%

04/03/2013

 $2,500 - $49,999.99 

  0.30% 

 0.30%

  04/03/2013  

$50,000 - $99,999.99

 0.35%

  0.35% 

  04/03/2013  

$100,000 - $249,999.99 

 0.40%

 0.40%

  04/03/2013 

$250,000+ 

 0.45%

  0.45% 

  04/03/2013  

6-Month CD

   

 

 $500 - $2,499.99

  0.40% 

 0.40% 

09/27/2013  

$2,500 - $49,999.99 

 0.45% 

 0.45% 

09/27/2013  

$50,000 -  $99,999.99

 0.50%

0.50%

09/27/2013 

 $100,000 - $249,999.99

 0.55%

0.55%

10/28/2013

$250,000- 

  0.60% 

0.60% 

10/28/2013

12-Month CD

   

 

$500 - $2,499.99 

 0.45%

0.45% 

10/28/2013

$2,500 - $49,999.99 

 0.50% 

0.50% 

 10/28/2013

$50,000 - $99,999.99 

  0.55% 

0.55% 

10/28/2013 

$100,000 - $249,999.99 

  0.60% 

0.60% 

10/28/2013 

$250,000+ 

  0.65% 

 0.65%

10/28/2013 

24-Month CD

     

 $500 - $2.499.99

0.50% 0.50%

10/28/2013 

$2,500 - $49,999.99 

0.55% 0.55%

10/28/2013 

$50,000 - $99,999.99 

0.60% 0.60%

10/28/2013 

$100,000 - $249,999.99 

 0.65% 0.65%

10/28/2013 

$250,000+ 

0.70% 0.70%

10/28/2013 

Call 800-388-7889 for rates on longer term CDs    

 

     

 

IRAs (Roth, Traditional & Coverdell)1

Dividend Rate

APY**

Effective

1) Minimum balance of $100.00 required to earn dividends

**APY = Annual Percentage Yield. Rates subject to change without notice. Qualifying criteria applies.

$100.00+

0.25%

0.25%

08/01/12