It’s Your Birthday!

Your 0.25% Birthday Rate Advantage

To celebrate you, enjoy a special 0.25% rate advantage on a new CD or consumer loan. Below are the full details, eligibility, and how to redeem your gift.

What “0.25% advantage” means

  • For CDs: We add +0.25% to the prevailing Annual Percentage Yield (APY) on the CD you choose.
  • For loans: We reduce your qualified Annual Percentage Rate (APR) by −0.25% on eligible consumer loans.

One birthday offer per member during your birthday window.

How to redeem

  1. Choose your product: Will you open a new CD or apply for an eligible consumer loan?
  2. Tell us it’s your birthday: Call us at (254) 752-2797 or visit our branch.
  3. We apply the advantage: Your 0.25% rate advantage is added (CD) or subtracted (loan) at account opening/closing.

Valid for 45 days from your birth date. Not valid on existing CDs or loans and may not be combined with other offers.

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Quick facts

  • Who’s eligible? Current members in good standing during their birthday window.
  • What’s excluded?
    • Unsecured signature loans
    • All real estate loans
    • Credit cards
    • Refinancing of current loans
  • Cash value: None. Non-transferable.

FAQs

Can I use this on an existing CD or loan?

No. The birthday rate advantage applies only to new CDs or new qualifying consumer loans opened during your birthday window.

Can I combine this with other promotions?

No. This offer may not be combined with any other offer or discount.

How long do I have to redeem it?

You have 45 days from your birthday to claim the offer.

How is the 0.25% applied?

For CDs, we add +0.25% to the prevailing APY of the selected term. For eligible consumer loans, we reduce your qualified APR by −0.25% at closing.

Do I need to be a member?

Yes. Membership is required. If you’re not yet a member, you can join online or visit us and we’ll help you get started.

Key Terms & Conditions

  1. The 0.25% Rate Advantage includes either: (a) an increase to the prevailing annual percentage yield (APY) on the CD of the depositor’s choosing, or (b) a decrease in the annual percentage rate (APR) for which the borrower qualifies on an eligible consumer loan.
  2. Redemption period: Must be claimed within 45 days of your birthday.
  3. No cash value; non-transferable.
  4. Not valid on existing CDs or existing loans; refinances of current loans are excluded.
  5. May not be combined with any other offer or discount.
  6. Exclusions: Unsecured signature loans, all real estate loans, credit cards, and the refinancing of current loans are not eligible.
  7. Definitions: “CD” means Certificate of Deposit.
  8. Membership required. Other restrictions may apply. Rates, terms, and conditions are subject to change without notice.

Federally insured by NCUA.