RATES

Featured Rates

  
    AUTO LOANS
    as low as 5.25%
  
    MOTORCYCLES
    as low as 6.25%
  
    RV LOANS
    as low as 6.25%
  
    BOAT & ATV
    as low as 6.25%
  
    LAND LOANS
    as low as 4.99%

Apply For A Loan

Open An Account

Earn Well*

    
        Balance
        Rate
        APY
    

        $0 - $25,000
        2.47%
        2.50%
    

        $25,000+
        0.24%
        0.25%
    

        Any, if qualifications are not met
        0.01%
        0.01%
    

Qualifications

To earn your rewards, just do the following transactions and activities in your Earn Well Account during each Monthly Qualification Cycle:

Have at least 12 debit card purchases post and settle
Have at least 1 automatic payment (ACH), direct deposit, or bill pay transaction post and settle
Be enrolled in and agree to receive eStatements

Even if you don’t meet your qualifications during the cycle, your Earn Well Account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next month!

Save Well*

    
        Balance
        Rate
        APY
    

        $0 - $25,000
        0.99%
        1.00%
    

        $25,000+
        0.24%
        0.25%
    

        Any, if qualifications are not met
        0.01%
        0.01%
    

Qualifications

To earn your rewards, just do the following transactions and activities in your Earn Well or Spend Well Account during each Monthly Qualification Cycle:

Have at least 12 debit card purchases post and settle
Have at least 1 automatic payment (ACH), direct deposit, or bill pay transaction post and settle
Be enrolled in and agree to receive eStatements

Even if you don’t meet your qualifications during the cycle, your Reward Accounts are still free. Plus, you’ll still earn our base dividend rate on Save Well. And you can get right back to earning your full rewards the very next month!

Thrive Well Money Market

    
        Balance
        Rate
        APY
    

        $2,000 - <$25,000
        0.25%
        0.250%
    

        $25,000 - <$50,000
        0.35%
        0.351%
    

        $50,000 & above
        0.40%
        0.401%
    

Certificates

6 Month CD Special - 4.50% APR

12 Month CD Special - 4.00% APR

    
        Type
        Dividend Rate
        APY
    

        6 Month
        1.350%
        1.358%
    

        12 Month
        1.500%
        1.510% 
    

        18 Month
        1.520%
        1.531%
    

        24 Month
        1.620%
        1.632%
    

        36 Month
        1.720%
        1.734%
    

        48 Month
        1.870%
        1.886%
    

        60 Month
        2.050%
        2.069%
    

A penalty may be imposed for early withdrawal, which may reduce account earnings on certificates and IRAs. At maturity, certificates will automatically renew for same term at the current market rate if not withdrawn, except where disclosed differently. Must be younger than 18 years of age to qualify for a Grow Well Certificate.

Other Shares

    
        Type
        Dividend Rate
        APY
    

        Regular Shares
        0.15%
        0.15%
    

        IRA Regular Shares
        0.15%
        0.15%
    

Auto Loans

    
        Loan Term
        Fixed APR**
    
        48 Months
        As low as 5.25%
    
        60 Months
        As low as 5.25%
    
        72 Months
        As low as 5.75%
    
        84 Months
        As low as 8.00%

All loan products: Rates are subject to change at any time. **APR means Annual Percentage Rate. APR shown is based on discounts and other factors. Actual APR may vary based on credit profile, down payment, term of loan and age of vehicle. Loan subject to approval. Loan approval is based on creditworthiness. Additional terms may be available. Rates, terms and conditions are subject to change. APR is accurate as of 07/05/2023. For further information, please contact a Wellspring loan officer at (409) 697-2461 or stop by any of our locations.

Boats, Motorcycles, ATVs, RVs

    
        Loan Term
        Fixed APR**
    
        48 Months
        As low as 6.25%
    
        60 Months
        As low as 6.25%
    
        72 Months
        As low as 6.75%
    
        84 Months
        As low as 7.25%
    
        96 Months
        As low as 7.80%
    
        120 Months
        As low as 8.30%

Land Loans

    
        Loan Term
        Fixed APR**
    
        60 Months
        As low as 4.99%
    
        84 Months
        As low as 4.99%
    
        120 Months
        As low as 5.25%
    
        180 Months
        As low as 5.75%

**Annual Percentage Rate - Rates are subject to change at any time. Loan subject to approval and based on creditworthiness. APR is accurate as of 03/17/2021. For more information contact any Wellspring Credit Union loan officer at (409) 697-2461.

Other Loans

    
        Loan Type
        Term
        APR**
    

        Personal Loans
        6 months - 60 months
        As low as 11.75%
    

        Credit Card
        N/A
        To view our rates disclosure contact us
    

        Home Equity
        Varies
        Contact a Wellspring Real Estate Specialist*
    

*Rates for home equity are subject to change based on the FFIEC website. Please call 832-912-2173 to speak with a Wellspring Real Estate Specialist to find out costs and rates.