--- title: "Community Resource Credit Union Rates: Auto 3.74%, HELOC 7.30%" description: "Community Resource Credit Union rates today: auto loans from 3.74% APR, HELOC from 7.30% APR, savings & CDs up to 4.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Community Resource Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/community-resource" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Community Resource Credit Union Rates: Auto 3.74%, HELOC 7.30% ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **New Autos Fewer than 7,500 miles** auto_new | — APR | 3.740% | new | Standard | | **Auto Loan** auto | 3.740% APR | 3.740% | — | Standard | | **Used Autos Fewer than 100,000 miles** auto_used | — APR | 3.740% | used | Standard | | **78 Months b** auto_any_78mo | — APR | 5.290% | 78 mo | Standard | | **84 Months f** auto_any_84mo | — APR | 5.540% | 84 mo | Standard | | **49 - 72 Months b** auto_any_72mo | — APR | 7.540% | 72 mo | Standard | | **73 - 84 Months d** auto_any_84mo | — APR | 7.740% | 84 mo | Standard | | **85 - 144 Months e** auto_any_144mo | — APR | 9.040% | 144 mo | Standard | | **145 - 180 Months e** auto_any_180mo | — APR | 9.640% | 180 mo | Standard | | **85- 144 Months e** auto_any_144mo | — APR | 9.790% | 144 mo | Standard | Community Resource Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | 7.300% APR | 7.300% | — | Standard | Community Resource Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 9.740% | — | Standard | | **Debt Consolidation Loan** personal | — APR | 10.990% | — | Standard | | **Qwik Loan Line of Credit/Overdraft** ploc_variable | — APR | 14.000% | — | Standard | Community Resource Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **MyPath Premier MasterCard®** credit_card | — APR | 13.990% | — | Standard | | **MemberSelect Rewards MasterCard®** credit_card_rewards | — APR | 15.490% | — | Standard | | **Secured Credit Card** credit_card_secured | — APR | 17.950% | — | Standard | Community Resource Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 29 offers | Product | Published | Rate | Term / condition | Status | | **Christmas Club Savings** savings | — APY | 0.10% | — | Specialty offer | | **$0-$999.99** savings | — APY | 0.50% | — | Standard | | **$1,000 - $4,999.99** savings | — APY | 1.00% | — | Standard | | **$5,000 - $14,999.99** savings | — APY | 1.00% | — | Standard | | **$15,000 - $24,999.99** savings | — APY | 1.00% | — | Standard | | **$25,000 - $49,999.99** savings | — APY | 1.29% | — | Standard | | **$50,000 - $99,999.99** savings | — APY | 1.58% | — | Standard | | **$100,000 - $249,999.99** savings | — APY | 1.98% | — | Standard | | **$250,000 & Over** savings | — APY | 2.22% | — | Standard | | **3-Month Certificate** cd_3mo | 3.00% APY | 2.96% | 3 mo | Standard | | **3 Month Traditional/Roth IRA** ira | 3.00% APY | 2.96% | 3 mo | Standard | | **24 Month BUMP CD 1** cd_24mo | 4.00% APY | 3.92% | 24 mo | Standard | | **12 Month BUMP CD 1** cd_12mo | 4.00% APY | 3.92% | 12 mo | Standard | | **6 Month Traditional/Roth IRA** ira | 4.10% APY | 4.01% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 4.10% APY | 4.01% | 6 mo | Standard | | **12 Month Traditional/Roth IRA** ira | 4.25% APY | 4.16% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | 4.25% APY | 4.16% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | 4.25% APY | 4.16% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 4.25% APY | 4.16% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 4.25% APY | 4.16% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 4.25% APY | 4.16% | 60 mo | Standard | | **24 Month Traditional/Roth IRA** ira | 4.25% APY | 4.16% | 24 mo | Standard | | **36 Month Traditional/Roth IRA** ira | 4.25% APY | 4.16% | 36 mo | Standard | | **60 Month Traditional/Roth IRA** ira | 4.25% APY | 4.16% | 60 mo | Standard | | **Certificate** cd | 4.50% APY | 4.50% | — | Standard | | **18-Month Certificate** cd_18mo | 4.50% APY | 4.40% | 18 mo | Standard | | **18 Month Traditional/Roth IRA** ira | 4.50% APY | 4.40% | 18 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.54% | 48 mo | Standard | | **71-Month Certificate** cd_71mo | — APY | 4.79% | 71 mo | Standard | Community Resource Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **CoRe Ownership 2** other | — % | 7.700% | — | Standard | Community Resource Credit Union other rates as of November 12, 2026 Auto loans available from 3.74% APR. HELOC rates from 7.3% APR. Savings and certificate yields up to 4.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/community-resource) , verified from [Community Resource Credit Union's official website](https://www.crcu.org/) Best product position **Room to improve vs. the Texas median** HELOC Gap to state best **205 bp** 205 bp from state best Vs. state median **105 bp behind median** HELOC Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 7.30% | Room to improve vs. the Texas median | 205 bp from state best | 105 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Community Resource Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=community-resource&state=texas&code=TX&name=Community%20Resource%20Credit%20Union) Loading branch locator… ## About Community Resource Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 58.6K Assets $933.6M Founded 1935 Locations reported 10 NCUA charter 68021 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Gulf Coast Educators** Baytown Office · Baytown · TX · 77521-5105 About 1.6 miles away](https://rateapi.dev/credit-unions/texas/gulf-coast-educators) [**Texas Dow Employees** TDECU-Garth Road · Baytown · TX · 77521 About 1.9 miles away](https://rateapi.dev/credit-unions/texas/texas-dow-employees) [**Shell** Baytown · Baytown · TX · 77521 About 2.2 miles away](https://rateapi.dev/credit-unions/texas/shell) [**Bayer Heritage** Massey Tompkins · Baytown · TX · 77521 About 3.9 miles away](https://rateapi.dev/credit-unions/west-virginia/bayer-heritage) [**Beacon** Baytown Branch · Baytown · TX · 77520 About 4.4 miles away](https://rateapi.dev/credit-unions/texas/beacon) [**Rave Financial** Mont Belvieu · Mont Belvieu · TX · 77523 About 6.6 miles away](https://rateapi.dev/credit-unions/texas/rave-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Community Resource Credit Union Membership eligibility from Community Resource Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Community Resource Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Exxon Mobil Corporation and United States Steel Corporation, IKG Industries, Escapees Inc., Lee College District - Association Cornerstone Credit Union Foundation Verified from [Community Resource Credit Union's membership page](https://www.crcu.org/resources/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Community Resource Credit Union Employers 5 · Associations · Family 7 published paths to membership, last verified August 21, 2026, quoted from Community Resource Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Exxon Mobil Corporation and United States Steel Corporation “Employees of Exxon Mobil Corporation and United States Steel Corporation; their wholly owned companies, divisions, subsidiaries, associations, dealers, agents and full-time employees of the retail outlets of the above corporations” > [source ↗](https://www.crcu.org/resources/become-a-member) - Employee of Exxon Mobil Corporation and United States Steel Corporation - Employee of IKG Industries “employees of IKG Industries, Channelview” > [source ↗](https://www.crcu.org/resources/become-a-member) - Employee of IKG Industries - Employee of Lee College District “employees of Lee College District” > [source ↗](https://www.crcu.org/resources/become-a-member) - Employee of Lee College District - Employee of Escapees Inc. (as written on the source page) “employees and members of the Escapees Inc.” > [source ↗](https://www.crcu.org/resources/become-a-member) - Employee of Escapees Inc. - Employee of Community Resource Credit Union “employees of the Credit Union.” > [source ↗](https://www.crcu.org/resources/become-a-member) - Employee of Community Resource Credit Union ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Cornerstone Credit Union Foundation “Members of Cornerstone Credit Union Foundation.” > [source ↗](https://www.crcu.org/resources/become-a-member) - Member of Cornerstone Credit Union Foundation ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member parents, spouse, surviving spouse, grandparents, brothers, sisters, children “members of the immediate family of such persons. Members of the "immediate family" shall include parents, spouse, surviving spouse, grandparents, brothers and sisters and children of such persons.” > [source ↗](https://www.crcu.org/resources/become-a-member) - Family member (parents, spouse, surviving spouse, grandparents, brothers, sisters, children) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Community Resource Credit Union? Yes No ## Work at Community Resource Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Community Resource Credit Union ranks against Texas peers. - See which AI assistants fetched Community Resource Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=community-resource&state=texas&code=TX&name=Community%20Resource%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Community Resource Credit Union offer? Community Resource Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Community Resource Credit Union rates updated? RateAPI verifies Community Resource Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Community Resource Credit Union's rate data? Rate data is collected directly from Community Resource Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Community Resource Credit Union's auto loan rates? As of November 12, 2026, Community Resource Credit Union offers auto loans from 3.74% APR. ### What is Community Resource Credit Union's HELOC rate? As of November 12, 2026, Community Resource Credit Union offers home equity lines of credit from 7.3% APR. ### What is Community Resource Credit Union's best CD rate? As of November 12, 2026, Community Resource Credit Union offers savings and certificate (CD) yields up to 4.50% APY. ### Who can join Community Resource Credit Union? Community Resource Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 5 employers and 1 association for Community Resource Credit Union, each quoted from Community Resource Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Community Resource Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.crcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Community Resource Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Community Resource Credit Union curl "https://api.rateapi.dev/credit-unions/texas /community-resource " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Community Resource Credit Union locations Search, filter, and browse all 10 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/community-resource Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp