Home Loan

First home? Refinancing? You’re in the right place. 

At PECU, we’ll help you find the right loan to take the next step toward calling Austin home. 

Apply Now
See More Details

Home Loan Advantages 

  • Options to purchase or refinance a home 
  • A local team that listens and works with you 
  • Competitive rates 
  1. Apply Now and complete the application. 
  2. When you have completed the application, click submit and your information will be reviewed for instant pre-qualification. 
  3. A Loan Officer will follow up with you and answer all your questions. 

Our goal is to provide the highest level of service at competitive rates. 
Our Loan Officers are only a phone call away if you need help. Contact Mark Crowley at (469) 613-4085. 

PECU Real Estate Team 

Name 

Position 

NMLS ID 

Audrey Lynch 

Mortgage Loan Officer 

1284185 

Haley Tuck 

Mortgage Loan Officer 

2228249 

Marcos Gomez 

Mortgage Loan Officer 

609007 

Katherine Pruett 

Mortgage Loan Officer 

2223725 

Janah Del Gatto 

Mortgage Loan Officer 

2647139 

PECU 

Credit Union 

568855 

Public Employees Credit Union (NMLS#568855) provides mortgage loans in agreement with Member First Mortgage, LLC., (NMLS#149532) | Equal Housing Opportunity 

{{ mortgage-loans-rate }}

Apply Now
High Interest Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our High Interest Checking account. Move the sliders or type in the numbers to see your potential rewards.

$
$
#
  • Estimated Annual Rewards $0
  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Learn More
Questions

*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
$
$
%
2. Loan Details
%
#
$
%
3. Lease Details
%
#
$
%
  • Net cost of buying $0
  • Net cost of leasing $0
Learn More
Questions
Certificates CalculatorDisclaimer

A fixed-rate, fixed-term Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

$
#
%
What is the compounding interval?
  • Total value at maturity $0
  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Learn More
Questions
Savings CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

$
#
%
$
  • Monthly deposit needed to reach goal $0
Learn More
Questions
Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

$
%
#
  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
Learn More
Questions

CD and IRA CDs

Term Rate Annual Percentage Yield
*6 Months 3.64% 3.70%
*12 Months 3.69% 3.75%
*24 Months 3.59% 3.65%
*36 Months 3.54% 3.60%
*48 Months 3.44% 3.50%

Minimum Balance- $1,000.00
*6 month certificates are not available under the IRAs.

*APY = Annual Percentage Yield

Credit Cards

Card Type Annual Percentage Rate (APR) Annual Fee
Platinum MasterCard 7.99% APR* $0
Gold MasterCard 9.99% APR* $0
Regular MasterCard 11.50% APR* $0
Share Secured MasterCard 12.00% APR* $0

*APR = Annual Percentage Rate

Free ATX Saver for High Interest

Below Cap Rate Below Cap APY Cap Above Cap Rate APY Range Non-Qual Rate
2.472% 2.50% $50,000 0.499% 2.50% to 1.50% 0.05%

APY = Annual Percentage Yield

High Interest Checking

Below Cap Rate Below Cap APY Cap Above Cap Rate APY Range Non-Qual Rate
5.841% 6.00% $15,000 0.499% 6.00% to 1.00% 0.05%

APY = Annual Percentage Yield

Holiday Savings Rates

Account Type Rate Annual Percentage Yield
Holiday Savings 0.25% 0.25%

Minimum Balance- $5.00
Annual Percentage Yield- Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty: Any withdrawal of funds prior to the end of the term will result in a loss of all earnings.

Home Equity Loans

Maximum Term As Low As
Up to 5 years 5.39 APR*
Up to 10 years 5.79 APR*
Up to 15 years 6.19 APR*
Up to 20 years 6.39 APR*

Equal Housing Lender

*APR = Annual Percentage Rate

IRA Rates

Account Type Rate Annual Percentage Yield
Individual Retirement Account 0.40% 0.40%

Interest Rates- are subject to change at any time.
Ask for details and restrictions.

*APY = Annual Percentage Yield

Jumbo CDs

Account Type Rate Annual Percentage Yield
**6 Months Please, call Please, call for APY
**12 Months Please, call Please, call for APY

Minimum Balance- $90,000.00
Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain on the certificate to the end of the term to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty.
** Jumbo certificates are not available under the IRAs.

Money Market Rates

Account Type Rate Annual Percentage Yield
$2000.00-$24999.99 0.55% 0.55%
$25000.00-$74999.99 0.65% 0.65%
$75000.00-$124999.99 0.75% 0.75%
$125000.00-$199999.99 1.00% 1.00%
$200000.00 and over 1.25% 1.26%

Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.

Mortgage Loans

Click here for Mortgage Rates

Motorcycle and Scooter Loans

Year Max Term As Low As
2025-2024 Up to 66 months 6.89% APR*
  Up to 72 months 7.49% APR*
2023-2022 Up to 66 months 8.09% APR*
  Up to 72 months 8.69% APR*
2021-2020 Up to 48 months 9.29% APR*
  Up to 63 months 9.29% APR*
2019-2018 Up to 48 months 9.29% APR*

*APR = Annual Percentage Rate

New and Used Autos

 

Year Max Term As Low As
2024 and Newer Up to 36 Months 4.99 APR*
Up to 48 Months 5.29 APR*
Up to 60 Months 5.39 APR*
Up to 66 Months 5.49 APR*
Up to 72 Months 5.59 APR*
Up to 78 Months 6.29 APR*
Up to 84 Months 6.49 APR*
2023
Up to 66 Months 5.79 APR*
Up to 72 Months 6.09 APR*
Up to 75 Months 6.29 APR*
2022-2021 Up to 66 Months 5.99 APR*
Up to 72 Months 6.29 APR*
2020 Up to 60 Months 6.39 APR*
Up to 66 Months 6.39 APR*
2019-2018 Up to 54 Months 6.39 APR*
Up to 60 Months 6.39 APR*
2017-2016 Up to 54 Months 6.59 APR*
Up to 60 Months 6.59 APR*

*APR = Annual Percentage Rate

Ready Credit Loan

Maximum Amount Annual Percentage Rate (APR)
$500.00 to $5000.00 11.50% APR*

*APR = Annual Percentage Rate

Recreational Vehicles

Maximum Term As Low As
Up to 48 months 7.19 APR*
Up to 60 months 7.79 APR*
Up to 84 months 8.39 APR*
Up to 120 months 8.99 APR*
Up to 180 months 9.99 APR*

*APR = Annual Percentage Rate

Regular Share/Savings Rates

Account Type Rate Annual Percentage Yield
Regular Savings 0.20% 0.20%

Paid Quarterly

Share Draft / Checking Rates

Account Type Rate Annual Percentage Yield
Checking Account 0.05% 0.05%

Paid Monthly

Share Secured Loan and Share Certificate Secured Loan

Loan Type Annual Percentage Rate (APR)
Share Secured Loan 4.75% APR*
Share Certificate Secured Loan 2.50% greater than Share Certificate Rate

*APR = Annual Percentage Rate

Signature Loans

Term As Low As
24 months 9.49% APR*
36 months 9.99% APR*
48 months 10.24% APR*
60 months 10.49% APR*

*APR = Annual Percentage Rate

Teen Bling Membership Shares

Account Type Rate Annual Percentage Yield
Club Bling Membership 0.25% 0.25%

Paid Quarterly

Zoo Crew Kids Membership Shares

Account Type Rate Annual Percentage Yield
Kids Savings Account 0.25% 0.25%

Paid Quarterly