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.

¹ Loans are subject to credit approval. Limit 1 bonus points reward offer per new account. Does not apply to requests to convert existing accounts. Once you qualify, you will receive your bonus points within your next 1-2 billing cycles.

^ 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.

* APY (Annual Percentage Yield). Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. This is a variable rate account. The rate may change after the account is opened. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account.