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Loans

LOANS

Don’t let a bank loan get in the way of a good life experience. When you borrow here, you’ll see why people trust us. 

AUTO LOANS

Buying a car can be stressful. Finding a low rate loan through a lender you can trust makes the process a lot easier to enjoy. 

BUY

If you’re already on the road to your new or used car, we’ll take you the rest of the way! Plus, buy using our Express Check and skip the finance office at the dealership.

Apply Today.

REFINANCE

It's okay if you financed your car somewhere else. We won't hold it against you. Get a second chance at a great rate. We’ll help you get the number you deserve.

Apply Today.

LEARN

Don’t let a trip to the dealership catch you off guard. Get up to speed on everything you need to know with our Member Auto Center!


Find detailed information on our most up-to-date new, used or refinanced auto loan rates

HOME LOANS

Quality, reliable and a trustworthy foundation. We’re talking about your next home and our home loans. Licensed loan officers from Member Home Loan* will help you determine the exact loan product that will work best for you. Learn from them about the mortgage process for a fast and efficient closing. 

  • Jumbo Mortgages
  • Fixed- and Adjustable-Rate Mortgages 
  • FHA & VA lending options 

APPLY
Find some boxes and start moving towards your next home today

CALCULATE 
Do the math to find out what you’ll have to pay to own your dream home. 

RATES
Find the most up-to-date home loan rates. 

*Member Home Loan is a credit union service organization (CUSO) established by a cooperative of Houston-area credit unions, including People's Trust, to offer expanded products and services to our members. 

CREDIT CARDS

A good credit card gives you the spending flexibility you need to make your life easier. A great credit card gives you that along with no annual fees, accessibility, cash back, rewards and/or low rates.

Get started on your credit card application today!

CARD SERVICES

If calling from outside the U.S. for any of the below requests, please call 713.428.3200 during normal business hours (CST). 

ACTIVATE A NEW CARD

Call 1.800.466.0040 to activate your new card.

TRAVELING

Call 713.428.3200 with the details of your trip so we can monitor your card activity appropriately.

LOST OR STOLEN CARD

Call 888.241.2510 immediately to report a lost or stolen card

PAYOFF CALCULATOR

Find out your balance payoff amount here.

PERSONAL LOANS

We make banking personal and we have the loans to prove it. 

MONEY MANAGEMENT LINE OF CREDIT

Retake control of your finances - all with one simple loan! Ideal for:

  • Debt consolidation
  • Overdraft protection
  • Emergency expenses
  • Large purchases
*Transfers made from an approved Line of Credit will be in $50.00 increments and incur a $5.00 fee

PERSONAL UNSECURED

Don’t let a price tag stop you from living your life. Use these loans for:

  • Home repairs or improvement
  • Medical bills
  • Emergency expenses
  • Or even a dream vacation


DEBT CONSOLIDATION

An all-in-one solution to your debt. Experience:

  • Low, fixed rate
  • Flexible terms
  • Automatic payments

SHARE SECURED

Use your savings or other investments as collateral, so you can borrow with:

  • Low interest rates
  • No requirement for credit approval

Get started on your personal loan application today!

CURRENT LOAN RATES

Rates

Savings Accounts
Account Type APY* Dividend Rate
Membership Savings 0.10% 0.10%
Everyday Savings 0.10% 0.10%
IRA Contributory** 0.25% 0.25%

*APY = ANNUAL PERCENTAGE YIELD
** Includes Traditional, Roth, Educational and SEP Contributory IRAs. Click to view Disclosures and Fees for more information.

Checking Accounts
Account Type Balance to Earn Dividends APY* Dividend Rate
Simple Checking N/A N/A N/A
Secure Checking N/A N/A N/A
Premier Checking <$2,500
>$2,500
0.02%
0.05%
0.02%
0.05%

*APY=Annual Percentage Yield. Click to view Disclosures & Fees

classic money market
tier balance APY*
Tier I $2,500 - $24,999.99 0.11%
Tier II $25,000 - $99,999.99
0.16%
Tier III $100,000 and above
0.21%

*APY=Annual Percentage Yield. See disclosures for additional information about Rate Differentiation, Points and Balance Information. 

gold money market
tier balance APY*
Tier I $2,500 - $24,999.99
0.13%
Tier II $25,000 - $99,999.99
0.18%
Tier III $100,000 and above
0.23%

People’s Trust Gold Money Market requires a total of 3 - 5 People’s Trust points. 

One point can be earned monthly for any of the following: 

  • A loan balance over $1,000
  • 5 signature based debit card transactions in the prior month
  • Checking balance over $1,000
  • Direct Deposit or payroll deduction
  • Active user of Bill Payer service
  • Receiving E-Statements
  • Membership with the credit union of 20 years or more
  • A Membership Savings Account
  • A Money Market Account
  • Certificate Account over $1,000
  • Credit Card Balance over $1,000
  • Line of Credit with a Balance over $1,000

*APY=Annual Percentage Yield. See disclosures for additional information about Rate Differentiation, Points and Balance Information

premier money market

tier balance APY*
Tier I $2,500 - $24,999.99
0.15%
Tier II $25,000 - $99,999.99
0.20%
Tier III $100,000 and above
0.25%

People’s Trust Premier Money Market requires a total of at least 6 People’s Trust Points. One point can be earned monthly for any of the following:

  • A loan balance over $1,000
  • 5 signature based debit card transactions in the prior month
  • Checking balance over $1,000
  • Direct Deposit or payroll deduction
  • Active user of Bill Payer service
  • Receiving E-Statements
  • Membership with the credit union of 20 years or more
  • A Membership Savings Account
  • A Money Market Account
  • Certificate Account over $1,000
  • Credit Card Balance over $1,000
  • Line of Credit with a Balance over $1,000

*APY=Annual Percentage Yield. See disclosures for additional information about Rate Differentiation, Points and Balance Information. 

Certificate Rates (3 Months)
$1,000 - $9,999.99 0.33% APY
$10,000 - $24,999.99 0.35% APY
$25,000 - $49,999.99 0.37% APY
$50,000 - $99,999.99 0.39% APY
$100,000 and above 0.41% APY
Certificate Rates (6 Months)
$1,000 - $9,999.99 0.63% APY
$10,000 - $24,999.99 0.65% APY
$25,000 - $49,999.99 0.67% APY
$50,000 - $99,999.99 0.69% APY
$100,000 and above 0.71% APY
Certificate Rates (9 Months)
$1,000 - $9,999.99 0.73% APY
$10,000 - $24,999.99 0.75% APY
$25,000 - $49,999.99 0.77% APY
$50,000 - $99,999.99 0.79% APY
$100,000 and above 0.81% APY
Certificate Rates (12 Months)
$1,000 - $9,999.99 0.83% APY
$10,000 - $24,999.99 0.85% APY
$25,000 - $49,999.99 0.87% APY
$50,000 - $99,999.99 0.89% APY
$100,000 and above 0.91% APY
Certificate Rates (18 Months)
$1,000 - $9,999.99 1.01% APY
$10,000 - $24,999.99 1.03% APY
$25,000 - $49,999.99 1.05% APY
$50,000 - $99,999.99 1.07% APY
$100,000 and above 1.09% APY
Certificate Rates (24 Months)
$1,000 - $9,999.99 1.18% APY
$10,000 - $24,999.99 1.20% APY
$25,000 - $49,999.99 1.22% APY
$50,000 - $99,999.99 1.24% APY
$100,000 and above 1.26% APY
Certificate Rates (36 Months)
$1,000 - $9,999.99 1.48% APY
$10,000 - $24,999.99 1.50% APY
$25,000 - $49,999.99 1.52% APY
$50,000 - $99,999.99 1.54% APY
$100,000 and above 1.56% APY
Certificate Rates (48 Months)
$1,000 - $9,999.99 1.69% APY
$10,000 - $24,999.99 1.71% APY
$25,000 - $49,999.99 1.73% APY
$50,000 - $99,999.99 1.75% APY
$100,000 and above 1.77% APY
Certificate Rates (60 Months)
$1,000 - $9,999.99 2.00% APY
$10,000 - $24,999.99 2.02% APY
$25,000 - $49,999.99 2.04% APY
$50,000 - $99,999.99 2.06% APY
$100,000 and above 2.08% APY

APY=Annual Percentage Yield. Click to view disclosures

auto loans
new autos term APR1
Up to 100% Financing 0 - 84 Months 2.24%* - 18.00%

Click here to apply for your new auto loan.

pre-owned autostermAPR1
Up to 100% Financing0 - 84 Months2.24%* - 18.00%


first-time buyer new/usedtermAPR1
Up to 90% Financing0 - 60 Months14.99%

Click here to apply for your pre-owned auto loan. 

*Floor auto loan rate is 2.24% APR and does not apply to first time car buyers. Maximum term of 36 months for 2.24% APR. Rates and terms may vary and are subject to normal credit, underwriting and collateral value guidelines. Auto discounts may apply for GAP, Warranty and/or Debt Protection. Rates and terms subject to change without notice.

motorcycle loans
type term APR1
New & Used Up to 72 Months 3.99% - 5.49%

Motorcycle financing is only available when purchased through a dealership. 

Click here to apply for your motorcycle loan. 

MOTORCYCLE LOAN CALCULATORS

Compare what the dealer is offering you to what we can help you with using our Dealer vs CU Financing Calculator. You can also use our Motorcycle Loan Calculator to find the best payment for you.

credit cards
card Type APR1 card limit
VISA Platinum** 7.90% - 17.90%*$300 - $25,000
MasterCard Rewards 6.99% - 17.24%***$300 - $35,000

Monthly payment is 2% of principal or $18, unless the balance is less than $18.00.

* Depending on your credit score.
**Secured VISA available at 11.90%.
*** Variable rate based on Prime + 2.74-13.24

lines of credit
ready cash line of credit APR1 term
Up to $35,000 12.70% - 18.00%Open

*Rates above apply to existing accounts only. Ready Cash no longer available as new account.

Money management line of creditAPR1term
Up to $35,0009.25% - 16.25%Open

Based on a current Wall Street Journal Prime Rate 

Personal Unsecured Loans
loan amountAPR1term
Up to $35,0008.01% - 18.00%Up to 60 Months

APR = Annual Percentage Rate

Other personal LOANS

type APR1term
Certificate Secured 3.00% Above Index Up to Maturity Date of Certificate
Share Secured 3.00% Above Index0 - 120 Months
Personal Computer8.75% - 18.00% Up to 36 Months


boat LOANS

type APR1 term
New & Used 3.99% - 18.00%Up to 120 Months

Boat financing is only available when purchased through a dealership.

mortgages 

People’s Trust is now able to get you quicker pre approvals, better rates, and a more streamlined process between the application and your closing date. 

We can help you with a full menu of competitive mortgage programs that include:  

Click here to explore rates, apply now or make a payment!


1 APR = Annual Percentage Rate