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Estacado Federal Credit Union FCU

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Estacado Federal Credit Union FCU Rates & Review November 2026

Q: What are the current interest rates at Estacado Federal Credit Union FCU?

Current rates for Estacado Federal Credit Union FCU include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, 24-Month CD: 3.76%, 60-Month CD: 3.56%

Q: What CD terms does Estacado Federal Credit Union FCU offer?

Estacado Federal Credit Union FCU CD rates are 4.00% APY for an 11 month CD, 4.00% APY for a 12 month CD, 4.00% APY for a 17 month CD, 4.00% APY for an 18 month CD, 3.76% APY for a 23 month CD, 3.76% APY for a 2 year CD, 3.76% APY for a 35 month CD, 3.66% APY for a 47 month CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Estacado Federal Credit Union FCU for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Estacado Federal Credit Union FCU's 12 - 17 Month CD rates are at 4.00%, 6 - 11 Month CD rates are at 4.00%, 18 - 23 Month CD rates are at 3.76%, 24 - 35 Month CD rates are at 3.76%, 36 - 47 Month CD rates are at 3.66%. Estacado Federal Credit Union FCU's Personal Loan Rates are as low as 9.99%. Estacado Federal Credit Union FCU's Credit Card Rates are at 9.90%. Estacado Federal Credit Union FCU's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Estacado Federal Credit Union FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.15%. Rates last updated and verified on 10/28/2026.

Estacado Federal Credit Union FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Estacado Federal Credit Union FCU? Share your experience about Estacado Federal Credit Union FCU by leaving a review below, or read customer reviews before you decide to use Estacado Federal Credit Union FCU.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.15%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Estacado Federal Credit Union FCU
MAIN OFFICE

2220 N DAL PASO St
HOBBS, NM 88240-3048

https://www.estacadofcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Estacado Federal Credit Union FCU CD Rates

Product	Rate	APY	Term
12 - 17 Month Jumbo Certificate	4.03%	4.10%	12-17 Months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
12 - 17 Month Share and IRA Certificates	4.03%	4.10%	12-17 Months
Min Balance $100,000 Details Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
6 - 11 Month Jumbo Certificate	4.03%	4.10%	6-11 Months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
6 - 11 Month Share and IRA Certificates	4.03%	4.10%	6-11 Months
Min Balance $100,000 Details Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
12 - 17 Month Share and IRA Certificates	3.93%	4.00%	12-17 Months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
12 - 17 Month Share Certificate	3.93%	4.00%	12-17 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.77% → 4.00% ▲ 0.23 pts · high 4.00% / low 3.77% Oct 4, 20264.00%▲ from 3.77% Sep 20, 20263.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
6 - 11 Month Share and IRA Certificates	3.93%	4.00%	6-11 Months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
6 - 11 Month Share Certificate	3.93%	4.00%	6-11 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.82% → 4.00% ▲ 0.18 pts · high 4.00% / low 3.82% Oct 4, 20264.00%▲ from 3.82% Sep 20, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
18 - 23 Month Jumbo Certificate	3.80%	3.87%	18-23 Months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
18 - 23 Month Share and IRA Certificates	3.80%	3.87%	18-23 Months
Min Balance $100,000 Details Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
24 - 35 Month Jumbo Certificate	3.80%	3.86%	24-35 Months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.86% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
24 - 35 Month Share and IRA Certificates	3.80%	3.86%	24-35 Months
Min Balance $100,000 Details Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
18 - 23 Month Share and IRA Certificates	3.70%	3.76%	18-23 Months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
18 - 23 Month Share Certificate	3.70%	3.76%	18-23 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56% Oct 4, 20263.76%▲ from 3.56% Sep 20, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
24 - 35 Month Share and IRA Certificates	3.70%	3.76%	24-35 Months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
24 - 35 Month Share Certificate	3.70%	3.76%	24-35 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51% Oct 4, 20263.76%▲ from 3.51% Sep 20, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
36 - 47 Month Jumbo Certificate	3.70%	3.76%	36-47 Months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
36 - 47 Month Share and IRA Certificates	3.70%	3.76%	36-47 Months
Min Balance $100,000 Details Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
36 - 47 Month Share and IRA Certificates	3.60%	3.66%	36-47 Months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
36 - 47 Month Share Certificate	3.60%	3.66%	36-47 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.46% → 3.66% ▲ 0.20 pts · high 3.66% / low 3.46% Oct 4, 20263.66%▲ from 3.46% Sep 20, 20263.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
48 - 59 Month Jumbo Certificate	3.60%	3.66%	48-59 Months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
48 - 59 Month Share and IRA Certificates	3.60%	3.66%	48-59 Months
Min Balance $100,000 Details Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
60 Month Jumbo Certificate	3.60%	3.66%	60 Months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
60 Month Share and IRA Certificates	3.60%	3.66%	60 Months
Min Balance $100,000 Details Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
48 - 59 Month Share and IRA Certificates	3.50%	3.56%	48-59 Months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
48 - 59 Month Share Certificate	3.50%	3.56%	48-59 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.36% → 3.56% ▲ 0.20 pts · high 3.56% / low 3.36% Oct 4, 20263.56%▲ from 3.36% Sep 20, 20263.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
60 Month Share and IRA Certificates	3.50%	3.56%	60 Months
Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
60 Month Share Certificate	3.50%	3.56%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.36% → 3.56% ▲ 0.20 pts · high 3.56% / low 3.36% Oct 4, 20263.56%▲ from 3.36% Sep 20, 20263.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Estacado Federal Credit Union FCU Savings Rates

Product	Rate	APY
Regular Share Account	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Regular Share Account	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Regular Share Account	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Estacado Federal Credit Union FCU Checking Rates

Product	Rate	APY	View More
Share Draft (Checking) Account	0.00%	0.00%
Details Balance: All Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Estacado Federal Credit Union FCU Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan - 2025 or Newer - Up to 3 Years (1-36M)	-	-	4.49%	3 Years
Details Tier A+ (Equifax 750+) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 4 - 5 Years (37-64M)	-	-	4.99%	4-5 years
Details Tier A+ (Equifax 750+); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 6 Years (65-76M)	-	-	5.25%	6 Years
Details Tier A+ (Equifax 750+); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - Up to 3 Years (1-36M)	-	-	5.49%	3 Years
Details Tier A+ (Equifax 750+) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 7 Years (77-88M)	-	-	5.49%	7 Years
Details Tier A+ (Equifax 750+); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - Up to 3 Years (1-36M)	-	-	5.49%	3 Years
Details Tier A (Equifax 700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 4 - 5 Years (37-64M)	-	-	5.99%	4-5 years
Details Tier A+ (Equifax 750+); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 4 - 5 Years (37-64M)	-	-	5.99%	4-5 years
Details Tier A (Equifax 700-749); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 6 Years (65-76M)	-	-	6.25%	6 Years
Details Tier A+ (Equifax 750+); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 6 Years (65-76M)	-	-	6.25%	6 Years
Details Tier A (Equifax 700-749); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 7 Years (77-88M)	-	-	6.49%	7 Years
Details Tier A+ (Equifax 750+); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - Up to 3 Years (1-36M)	-	-	6.49%	3 Years
Details Tier A (Equifax 700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 7 Years (77-88M)	-	-	6.49%	7 Years
Details Tier A (Equifax 700-749); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 4 - 5 Years (37-64M)	-	-	6.99%	4-5 years
Details Tier A (Equifax 700-749); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - Up to 3 Years (1-36M)	-	-	6.99%	3 Years
Details Tier B (Equifax 660-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 6 Years (65-76M)	-	-	7.25%	6 Years
Details Tier A (Equifax 700-749); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 7 Years (77-88M)	-	-	7.49%	7 Years
Details Tier A (Equifax 700-749); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 4 - 5 Years (37-64M)	-	-	7.49%	4-5 years
Details Tier B (Equifax 660-699); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 6 Years (65-76M)	-	-	7.75%	6 Years
Details Tier B (Equifax 660-699); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2015 or Older - Up to 5 Years (1-60M)	-	-	7.99%	5 Years
Details Tier A+ (Equifax 750+) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - Up to 3 Years (1-36M)	-	-	7.99%	3 Years
Details Tier B (Equifax 660-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 7 Years (77-88M)	-	-	7.99%	7 Years
Details Tier B (Equifax 660-699); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 4 - 5 Years (37-64M)	-	-	8.49%	4-5 years
Details Tier B (Equifax 660-699); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 6 Years (65-76M)	-	-	8.75%	6 Years
Details Tier B (Equifax 660-699); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2015 or Older - Up to 5 Years (1-60M)	-	-	8.99%	5 Years
Details Tier A (Equifax 700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 7 Years (77-88M)	-	-	8.99%	7 Years
Details Tier B (Equifax 660-699); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2015 or Older - Up to 5 Years (1-60M)	-	-	10.49%	5 Years
Details Tier B (Equifax 660-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - Up to 3 Years (1-36M)	-	-	10.49%	3 Years
Details Tier C (Equifax 600-659) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 4 - 5 Years (37-64M)	-	-	10.99%	4-5 years
Details Tier C (Equifax 600-659); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 6 Years (65-76M)	-	-	11.25%	6 Years
Details Tier C (Equifax 600-659); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - Up to 3 Years (1-36M)	-	-	11.49%	3 Years
Details Tier C (Equifax 600-659) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 7 Years (77-88M)	-	-	11.49%	7 Years
Details Tier C (Equifax 600-659); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 4 - 5 Years (37-64M)	-	-	11.99%	4-5 years
Details Tier C (Equifax 600-659); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 6 Years (65-76M)	-	-	12.25%	6 Years
Details Tier C (Equifax 600-659); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 7 Years (77-88M)	-	-	12.49%	7 Years
Details Tier C (Equifax 600-659); Loan minimum $50,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2015 or Older - Up to 5 Years (1-60M)	-	-	13.99%	5 Years
Details Tier C (Equifax 600-659) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 4 - 5 Years (37-64M)	-	-	14.49%	4-5 years
Details Tier D (Equifax 550-599); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 14.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - Up to 3 Years (1-36M)	-	-	14.49%	3 Years
Details Tier D (Equifax 550-599) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 14.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 6 Years (65-76M)	-	-	15.25%	6 Years
Details Tier D (Equifax 550-599); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - Up to 3 Years (1-36M)	-	-	15.49%	3 Years
Details Tier D (Equifax 550-599) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 4 - 5 Years (37-64M)	-	-	15.99%	4-5 years
Details Tier D (Equifax 550-599); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 6 Years (65-76M)	-	-	16.25%	6 Years
Details Tier D (Equifax 550-599); Loan minimum $20,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - Up to 3 Years (1-36M)	-	-	16.49%	3 Years
Details Tier E (Equifax 549 & Below) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2025 or Newer - 4 - 5 Years (37-64M)	-	-	16.99%	4-5 years
Details Tier E (Equifax 549 & Below); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - Up to 3 Years (1-36M)	-	-	17.49%	3 Years
Details Tier E (Equifax 549 & Below) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2015 or Older - Up to 5 Years (1-60M)	-	-	17.99%	5 Years
Details Tier D (Equifax 550-599) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Vehicle Loan - 2016-2024 - 4 - 5 Years (37-64M)	-	-	17.99%	4-5 years
Details Tier E (Equifax 549 & Below); Loan minimum $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Estacado Federal Credit Union FCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan - 2021 or Newer - Up to 3 Years (1-36M)	-	5.75%	3 Years
Details Tier A+ (Equifax 750+); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers; See loan officer for more details Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	5.75%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2021 or Newer; Tier: A+; Equifax Score: 750+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - Up to 3 Years (1-36M)	-	6.25%	3 Years
Details Tier A+ (Equifax 750+); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 4 - 5 Years (37-64M)	-	6.25%	4-5 years
Details Tier A+ (Equifax 750+); Loan minimum $10,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	6.25%	4 - 5 Years (37-64M)
Details Model Year: 2021 or Newer; Tier: A+; Equifax Score: 750+; Loan Minimum: ($10,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	6.25%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2020 & Older; Tier: A+; Equifax Score: 750+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 6 Years (65-76M)	-	6.49%	6 Years
Details Tier A+ (Equifax 750+); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	6.49%	6 Years (65-76M)
Details Model Year: 2021 or Newer; Tier: A+; Equifax Score: 750+; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - Up to 3 Years (1-36M)	-	6.75%	3 Years
Details Tier A (Equifax 700-749); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers; See loan officer for more details Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	6.75%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2021 or Newer; Tier: A; Equifax Score: 700-749 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 4 - 5 Years (37-64M)	-	6.99%	4-5 years
Details Tier A+ (Equifax 750+); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	6.99%	4 - 5 Years (37-64M)
Details Model Year: 2020 & Older; Tier: A+; Equifax Score: 750+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - Up to 3 Years (1-36M)	-	7.25%	3 Years
Details Tier A (Equifax 700-749); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 4 - 5 Years (37-64M)	-	7.25%	4-5 years
Details Tier A (Equifax 700-749); Loan minimum $10,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	7.25%	4 - 5 Years (37-64M)
Details Model Year: 2021 or Newer; Tier: A; Equifax Score: 700-749; Loan Minimum: ($10,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	7.25%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2020 & Older; Tier: A; Equifax Score: 700-749 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 6 Years (65-72M)	-	7.49%	6 Years
Details Tier A+ (Equifax 750+); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 6 Years (65-76M)	-	7.49%	6 Years
Details Tier A (Equifax 700-749); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 7 Years (77-88M)	-	7.49%	7 Years
Details Tier A+ (Equifax 750+); Loan minimum $50,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	7.49%	6 Years (65-76M)
Details Model Year: 2021 or Newer; Tier: A; Equifax Score: 700-749; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	7.49%	7 Years (77-88M)
Details Model Year: 2021 or Newer; Tier: A+; Equifax Score: 750+; Loan Minimum: ($50,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 4 - 5 Years (37-64M)	-	7.99%	4-5 years
Details Tier A (Equifax 700-749); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 7 Years (73-88M)	-	7.99%	7 Years
Details Tier A+ (Equifax 750+); Loan minimum $50,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 8 Years (89-96M)	-	7.99%	8 Years
Details Tier A+ (Equifax 750+); Loan minimum $80,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	7.99%	8 Years (89-96M)
Details Model Year: 2021 or Newer; Tier: A+; Equifax Score: 750+; Loan Minimum: ($80,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	7.99%	4 - 5 Years (37-64M)
Details Model Year: 2020 & Older; Tier: A; Equifax Score: 700-749 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	7.99%	7 Years (73-88M)
Details Model Year: 2020 & Older; Tier: A+; Equifax Score: 750+; Loan Minimum: ($50,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - Up to 3 Years (1-36M)	-	8.25%	3 Years
Details Tier B (Equifax 660-699); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers; See loan officer for more details Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.25%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2021 or Newer; Tier: B; Equifax Score: 660-699 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 6 Years (65-72M)	-	8.49%	6 Years
Details Tier A (Equifax 700-749); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 7 Years (77-88M)	-	8.49%	7 Years
Details Tier A (Equifax 700-749); Loan minimum $50,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.49%	7 Years (77-88M)
Details Model Year: 2021 or Newer; Tier: A; Equifax Score: 700-749; Loan Minimum: ($50,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.49%	6 Years (65-72M)
Details Model Year: 2020 & Older; Tier: A; Equifax Score: 700-749; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - Up to 3 Years (1-36M)	-	8.75%	3 Years
Details Tier B (Equifax 660-699); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 4 - 5 Years (37-64M)	-	8.75%	4-5 years
Details Tier B (Equifax 660-699); Loan minimum $10,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.75%	4 - 5 Years (37-64M)
Details Model Year: 2021 or Newer; Tier: B; Equifax Score: 660-699; Loan Minimum: ($10,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.75%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2020 & Older; Tier: B; Equifax Score: 660-699 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 7 Years (73-88M)	-	8.99%	7 Years
Details Tier A (Equifax 700-749); Loan minimum $50,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 6 Years (65-76M)	-	8.99%	6 Years
Details Tier B (Equifax 660-699); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 8 Years (89-96M)	-	8.99%	8 Years
Details Tier A (Equifax 700-749); Loan minimum $80,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.99%	6 Years (65-76M)
Details Model Year: 2021 or Newer; Tier: B; Equifax Score: 660-699; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.99%	8 Years (89-96M)
Details Model Year: 2021 or Newer; Tier: A; Equifax Score: 700-749; Loan Minimum: ($80,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	8.99%	7 Years (73-88M)
Details Model Year: 2020 & Older; Tier: A; Equifax Score: 700-749; Loan Minimum: ($50,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 4 - 5 Years (37-64M)	-	9.49%	4-5 years
Details Tier B (Equifax 660-699); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	9.49%	4 - 5 Years (37-64M)
Details Model Year: 2020 & Older; Tier: B; Equifax Score: 660-699 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 6 Years (65-72M)	-	9.99%	6 Years
Details Tier B (Equifax 660-699); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 7 Years (77-88M)	-	9.99%	7 Years
Details Tier B (Equifax 660-699); Loan minimum $50,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	9.99%	7 Years (77-88M)
Details Model Year: 2021 or Newer; Tier: B; Equifax Score: 660-699; Loan Minimum: ($50,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	9.99%	6 Years (65-72M)
Details Model Year: 2020 & Older; Tier: B; Equifax Score: 660-699; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 7 Years (73-88M)	-	10.49%	7 Years
Details Tier B (Equifax 660-699); Loan minimum $50,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 8 Years (89-96M)	-	10.49%	8 Years
Details Tier B (Equifax 660-699); Loan minimum $80,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	10.49%	8 Years (89-96M)
Details Model Year: 2021 or Newer; Tier: B; Equifax Score: 660-699; Loan Minimum: ($80,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	10.49%	7 Years (73-88M)
Details Model Year: 2020 & Older; Tier: B; Equifax Score: 660-699; Loan Minimum: ($50,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - Up to 3 Years (1-36M)	-	11.75%	3 Years
Details Tier C (Equifax 600-659); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers; See loan officer for more details Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	11.75%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2021 or Newer; Tier: C; Equifax Score: 600-659 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - Up to 3 Years (1-36M)	-	12.25%	3 Years
Details Tier C (Equifax 600-659); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 4 - 5 Years (37-64M)	-	12.25%	4-5 years
Details Tier C (Equifax 600-659); Loan minimum $10,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	12.25%	4 - 5 Years (37-64M)
Details Model Year: 2021 or Newer; Tier: C; Equifax Score: 600-659; Loan Minimum: ($10,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	12.25%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2020 & Older; Tier: C; Equifax Score: 600-659 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 6 Years (65-76M)	-	12.49%	6 Years
Details Tier C (Equifax 600-659); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	12.49%	6 Years (65-76M)
Details Model Year: 2021 or Newer; Tier: C; Equifax Score: 600-659; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 4 - 5 Years (37-64M)	-	12.99%	4-5 years
Details Tier C (Equifax 600-659); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	12.99%	4 - 5 Years (37-64M)
Details Model Year: 2020 & Older; Tier: C; Equifax Score: 600-659 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 6 Years (65-72M)	-	13.49%	6 Years
Details Tier C (Equifax 600-659); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 7 Years (77-88M)	-	13.49%	7 Years
Details Tier C (Equifax 600-659); Loan minimum $50,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	13.49%	7 Years (77-88M)
Details Model Year: 2021 or Newer; Tier: C; Equifax Score: 600-659; Loan Minimum: ($50,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	13.49%	6 Years (65-72M)
Details Model Year: 2020 & Older; Tier: C; Equifax Score: 600-659; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - Up to 3 Years (1-36M)	-	15.75%	3 Years
Details Tier D (Equifax 550-599); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers; See loan officer for more details Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	15.75%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2021 or Newer; Tier: D; Equifax Score: 550-599 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - Up to 3 Years (1-36M)	-	16.25%	3 Years
Details Tier D (Equifax 550-599); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 4 - 5 Years (37-64M)	-	16.25%	4-5 years
Details Tier D (Equifax 550-599); Loan minimum $10,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	16.25%	4 - 5 Years (37-64M)
Details Model Year: 2021 or Newer; Tier: D; Equifax Score: 550-599; Loan Minimum: ($10,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	16.25%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2020 & Older; Tier: D; Equifax Score: 550-599 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - 6 Years (65-76M)	-	16.49%	6 Years
Details Tier D (Equifax 550-599); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	16.49%	6 Years (65-76M)
Details Model Year: 2021 or Newer; Tier: D; Equifax Score: 550-599; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 4 - 5 Years (37-64M)	-	16.99%	4-5 years
Details Tier D (Equifax 550-599); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	16.99%	4 - 5 Years (37-64M)
Details Model Year: 2020 & Older; Tier: D; Equifax Score: 550-599 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - 6 Years (65-72M)	-	17.49%	6 Years
Details Tier D (Equifax 550-599); Loan minimum $20,000; Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	17.49%	6 Years (65-72M)
Details Model Year: 2020 & Older; Tier: D; Equifax Score: 550-599; Loan Minimum: ($20,000 Min.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2021 or Newer - Up to 3 Years (1-36M)	-	17.75%	3 Years
Details Tier E (Equifax 549 & Below); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers; See loan officer for more details Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	17.75%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2021 or Newer; Tier: E; Equifax Score: 549 & Below Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicle Loan - 2020 & Older - Up to 3 Years (1-36M)	-	18.00%	3 Years
Details Tier E (Equifax 549 & Below); Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicles & Trailers Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Recreational Vehicles Loan	-	18.00%	Up to 3 Years
Details Term: Up to 3 Years (1-36M); Model Year: 2020 & Older; Tier: E; Equifax Score: 549 & Below Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Estacado Federal Credit Union FCU Credit Card Rates

Product	Rate	APR
VISA Platinum Card	-	9.90%
Details Minimum $5,000 Limit; APR by tier: A+ 9.9%, A 9.9%, B-E N/A Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
VISA Traditional Card	-	12.25%
Details Minimum $500 Limit; APR by tier: A+ 12.25%, A 12.25%, B 12.25%, C 14.9%, D 17.9%, E 17.9% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Traditional Visa Card	-	14.90%
Details Minimum $500 limit; Tier C (Equifax 600-659) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 14.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
VISA Traditional	-	14.90%
Details Minimum $500 Limit; Tier C (600-659) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 14.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Traditional Visa Card	-	17.90%
Details Minimum $500 limit; Tier D (Equifax 550-599) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
VISA Traditional	-	17.90%
Details Minimum $500 Limit; Tier D (550-599) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 17.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Estacado Federal Credit Union FCU Personal Loan Rates

Product	APR	Term
Unsecured Loan - Up to 12 Months	9.99%	Up to 12 Months
Details Tier A+ (Equifax 750+) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 9.99% ▲ 0.50 pts · high 9.99% / low 9.49% Oct 23, 20269.99%▲ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 13 to 36 Months	10.99%	13 to 36 Months
Details Tier A+ (Equifax 750+) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 10.99% ▲ 0.50 pts · high 10.99% / low 10.49% Oct 23, 202610.99%▲ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - Up to 12 Months	10.99%	Up to 12 Months
Details Tier A (Equifax 700-749) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 10.99% ▲ 0.50 pts · high 10.99% / low 10.49% Oct 23, 202610.99%▲ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 37 to 60 Months	11.49%	37 to 60 Months
Details Tier A+ (Equifax 750+) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99% Oct 23, 202611.49%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 13 to 36 Months	11.99%	13 to 36 Months
Details Tier A (Equifax 700-749) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 11.99% ▲ 0.50 pts · high 11.99% / low 11.49% Oct 23, 202611.99%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 37 to 60 Months	12.49%	37 to 60 Months
Details Tier A (Equifax 700-749) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99% Oct 23, 202612.49%▲ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - Up to 12 Months	12.49%	Up to 12 Months
Details Tier B (Equifax 660-699) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99% Oct 23, 202612.49%▲ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 13 to 36 Months	13.49%	13 to 36 Months
Details Tier B (Equifax 660-699) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.49% ▲ 0.50 pts · high 13.49% / low 12.99% Oct 23, 202613.49%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 37 to 60 Months	13.99%	37 to 60 Months
Details Tier B (Equifax 660-699) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.99% ▲ 0.50 pts · high 13.99% / low 13.49% Oct 23, 202613.99%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - Up to 12 Months	15.99%	Up to 12 Months
Details Tier C (Equifax 600-659) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 15.49% → 15.99% ▲ 0.50 pts · high 15.99% / low 15.49% Oct 23, 202615.99%▲ from 15.49% Sep 14, 202615.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 13 to 36 Months	16.99%	13 to 36 Months
Details Tier C (Equifax 600-659) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 16.49% → 16.99% ▲ 0.50 pts · high 16.99% / low 16.49% Oct 23, 202616.99%▲ from 16.49% Sep 14, 202616.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - 13 to 36 Months	18.00%	13 to 36 Months
Details Tier D (Equifax 550-599) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%
Unsecured Loan - Up to 12 Months	18.00%	Up to 12 Months
Details Tier D (Equifax 550-599) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Estacado Federal Credit Union FCU Other Rates

Product	Rate	Points	APY/APR	Term	View More
Energy Efficiency Loan	-	-	8.90%
Details Tier A+ (Equifax 750+); Energy Efficiency Loans have limitations for qualifying energy saving equipment and appliances; See Loan Department Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Estacado Federal Credit Union FCU’s Texas Ratio fell from 4.20% in Q3 2023 to 3.15% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$120M	3.15%	5.0	A+
March 31, 2026	$119M	1.51%	5.0	A+
December 31, 2025	$114M	2.53%	5.0	A+
September 30, 2025	$115M	1.88%	5.0	A+
June 30, 2025	$113M	2.53%	5.0	A+
March 31, 2025	$112M	2.86%	5.0	A+
December 31, 2024	$107M	2.15%	5.0	A+
September 30, 2024	$104M	2.25%	5.0	A+
June 30, 2024	$105M	2.23%	5.0	A+
March 31, 2024	$103M	3.71%	5.0	A+
December 31, 2023	$100M	4.64%	5.0	A+
September 30, 2023	$97M	4.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Estacado Federal Credit Union FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Estacado Federal Credit Union FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Estacado Federal Credit Union FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Estacado Federal Credit Union FCU

Website https://www.estacadofcu.com

Address 2220 N DAL PASO St, HOBBS, NM 88240-3048

Phone 575-393-1596

Fax 575-393-1598

President Bobby Goad

CEO Mark Roddenberry

Full-Time Employees 30

Part-Time Employees 2

Branch Locations 4

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.15%

Return on Assets (ROA)

0.8964%

Return on Equity (ROE)

6.3781%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

120,004,451

Total Amount of Shares and Deposits

102,397,758

Total Shares and Deposits < 1 Year

98,092,257

Total Shares and Deposits 1 3 Years

3,695,796

Total Shares and Deposits > 3 Years

609,705

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,372,038

Total Uninsured Shares and Deposits > $250K (F+J)

5,372,038

Total Insured Shares and Deposits > $250K (item 17 less item K)

97,025,720

Total Interest Expense (Sum of items 6 8)

673,690

Share Certificates

613

Number of Accounts for Share Drafts

4,820

IRA KEOGH Accounts

163

Number of Accounts for Regular Shares

9,379

Non Member Deposits

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,248,143

Total Liabilities

103,305,975

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Estacado Federal Credit Union FCU earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Estacado Federal Credit Union FCU

Does Estacado Federal Credit Union FCU offer CDs?

Yes. Estacado Federal Credit Union FCU current CD rates include its 12 - 17 Month CD at 4.00% APY, its 6 - 11 Month CD at 4.00% APY and its 18 - 23 Month CD at 3.76% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Estacado Federal Credit Union FCU NCUA insured?

Yes. Estacado Federal Credit Union FCU is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Estacado Federal Credit Union FCU?

The highest Estacado Federal Credit Union FCU CD rate is its 12 - 17 Month Jumbo CD at 4.10% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Estacado Federal Credit Union FCU offer?

Estacado Federal Credit Union FCU CD rates are 4.00% APY for an 11 month CD, 4.00% APY for a 12 month CD, 4.00% APY for a 17 month CD, 4.00% APY for an 18 month CD, 3.76% APY for a 23 month CD, 3.76% APY for a 2 year CD, 3.76% APY for a 35 month CD, 3.66% APY for a 47 month CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Estacado Federal Credit Union FCU for its full lineup.

What is the lowest auto loan rate at Estacado Federal Credit Union FCU?

The lowest Estacado Federal Credit Union FCU auto loan rate is its Vehicle Loan - 2025 or Newer - 4 - 5 Years (37-64M) at 4.99% APR, verified by MonitorBankRates as of October 28, 2026. Estacado Federal Credit Union FCU auto loan rates are 4.99% APR for a 60 month auto loan, 5.25% APR for a 72 month auto loan, 5.49% APR for an 84 month auto loan and 7.99% APR for a 96 month auto loan.

What is the lowest personal loan rate at Estacado Federal Credit Union FCU?

The lowest Estacado Federal Credit Union FCU personal loan rate is its Unsecured Loan - 13 to 36 Months at 10.99% APR, verified by MonitorBankRates as of October 28, 2026. Estacado Federal Credit Union FCU personal loan rates are 10.99% APR for a 36 month personal loan and 11.49% APR for a 60 month personal loan.

What is the lowest credit card APR at Estacado Federal Credit Union FCU?

The lowest Estacado Federal Credit Union FCU credit card APR is its VISA Platinum Card Credit Card at 9.90% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Estacado Federal Credit Union FCU operate?

Estacado Federal Credit Union FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Estacado Federal Credit Union FCU?

Yes, to access services at Estacado Federal Credit Union FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Estacado Federal Credit Union FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Estacado Federal Credit Union FCU provides members with tools to manage their accounts and build a solid financial history.

Does Estacado Federal Credit Union FCU offer online and mobile banking?

Most modern institutions like Estacado Federal Credit Union FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.estacadofcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Estacado Federal Credit Union FCU rates compare?

Estacado Federal Credit Union FCU's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. Estacado Federal Credit Union FCU's top rates are its 12 - 17 Month Jumbo CD at 4.10% APY, its Unsecured Loan - Up to 12 Months at 9.99% APR and its VISA Platinum Card Credit Card at 9.90% APR, verified by MonitorBankRates on October 28, 2026.

Current Estacado Federal Credit Union FCU Rates

12-Month CD4.00%
18-Month CD4.00%
24-Month CD3.76%
60-Month CD3.56%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Estacado Federal Credit Union FCU Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Estacado Federal Credit Union FCU Texas Ratio

Estacado Federal Credit Union FCU Health Trend

Estacado Federal Credit Union FCU CD Rates

Estacado Federal Credit Union FCU Savings Rates

Estacado Federal Credit Union FCU Checking Rates

Estacado Federal Credit Union FCU Auto Loan Rates

Estacado Federal Credit Union FCU RV, Boat and Powersport Loan Rates

Estacado Federal Credit Union FCU Credit Card Rates

Estacado Federal Credit Union FCU Personal Loan Rates

Estacado Federal Credit Union FCU Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Estacado Federal Credit Union FCU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Estacado Federal Credit Union FCU

Does Estacado Federal Credit Union FCU offer CDs?

Are CDs from Estacado Federal Credit Union FCU NCUA insured?

What is the highest CD rate at Estacado Federal Credit Union FCU?

What CD terms does Estacado Federal Credit Union FCU offer?

What is the lowest auto loan rate at Estacado Federal Credit Union FCU?

What is the lowest personal loan rate at Estacado Federal Credit Union FCU?

What is the lowest credit card APR at Estacado Federal Credit Union FCU?

How many branches does Estacado Federal Credit Union FCU operate?

Is a member application needed to join Estacado Federal Credit Union FCU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Estacado Federal Credit Union FCU offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Estacado Federal Credit Union FCU rates compare?

Current Estacado Federal Credit Union FCU Rates

Compare to Other Credit Unions