Loan Rates
Auto and Motorcycle Loan Rates
Current as of March 24, 2025
| Type | Term up to | APR* as low as |
|---|---|---|
| New Auto | 48 months | 5.75% |
| -- | 60 months | 5.85% |
| -- | 72 months¹ | 5.95% |
| -- | 84 months¹ | 6.70% |
| Used Auto Secured on Models up to 5 years old $15,000 or Less |
36 months | 5.95% |
| -- | 60 months | 5.95% |
| Used Auto Secured on Models up to 5 years old $15,000 or More |
36 months | 5.95% |
| -- | 60 months | 5.95% |
| -- | 72 months¹ | 6.20% |
| Used Auto Secured on Models older than 5 years |
48 months | 8.70% |
| Motorcycles | 48 months | 9.45% |
| -- | 60 months | 9.95% |
1: Conditions apply
Recreational Loans
Current as of March 24, 2025
| Type | Term up to | APR* as low as |
|---|---|---|
| Campers, Travel Trailers, and Recreational Vehicles $10,000 or Less | 48 months | 13.45% |
| Campers, Travel Trailers, and Recreational Vehicles $10,000 or More | 60 months | 11.70% |
| -- | 180 months | 12.45% |
| Boats | 48 months | 10.45% |
| -- | 60 months | 11.70% |
Personal Loans
Current as of March 24, 2025
| Type | Term up to | APR* as low as |
|---|---|---|
| Unsecured Signature Loan | 24 months | 9.45% |
| -- | 36 months | 10.45% |
| -- | 60 months | 10.45% |
Savings Secured Loans
Current as of January 1, 2020
| Type | Term up to | APR* as low as |
|---|---|---|
| Secured with money on deposit in your savings account | 36 months | 3.50% |
Certificate Secured Loans
Current as of January 1, 2020
| Type | Term up to | APR* as low as |
|---|---|---|
| 100% of Certificate Value | 60 months | 3.50% |
Mortgage Loans
For current mortgage rates, contact Mortgage Services at (254) 752-2797 or (877) 377-2797 x321 or email at pparker@culink.net.
We offer the following types of Home Mortgages:
Conventional
Home Equity
Cash Out Refinances
FHA
VA
USDA
Second Home
Home Improvement
Pool Loans
New Construction
Learn more at https://www.culink.net/home-loans
Clear rates. Honest terms. Local guidance. Whether you're financing a vehicle, buying a home, paying for college, or covering life’s unexpected expenses, 1st University Credit Union offers competitive loan rates and personalized service you can trust. Based in Waco, we proudly serve the Central Texas community, including McLennan, Erath, and Bosque counties.
Helping You Do Life — one goal at a time.