Public Employees

austin, Texas
Last verified: July 10, 2026

As of July 10, 2026, Public Employees offers a money_market mortgage at 1% APR (1% rate, 0 points). Auto loans available from 4.99% APR. HELOC rates from 5.19% APR. Personal loan rates from 11.5% APR.

Source: RateAPI.dev, verified from Public Employees's official website

Who Can Join Public Employees

Membership eligibility from Public Employees's own published criteria. How we verify this.

Membership criteria are published on Public Employees's website. Check the membership page below to confirm whether you qualify.

Verified from Public Employees's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

money_market
1.000% APR
Rate1.000%
Points0
Money Market ($125000-$199999)
money_market
1.000% APR
Rate1.000%
Points0
Money Market ($125000.00-$199999.99)
money_market
1.260% APR
Rate1.250%
Points0
Money Market ($200000+)
money_market
1.260% APR
Rate1.250%
Points0
Money Market ($200000.00 and over)
savings
2.500% APR
Rate2.470%
Points0
Free ATX Saver
cd_48mo
3.550% APR
Rate3.490%
Points0
48 Month Certificate
cd_36mo
3.600% APR
Rate3.540%
Points0
36 Month Certificate
cd_6mo
3.600% APR
Rate3.540%
Points0
6 Month Certificate
cd_24mo
3.650% APR
Rate3.590%
Points0
24 Month Certificate
cd_12mo
3.700% APR
Rate3.640%
Points0
12 Month Certificate
savings
5.000% APR
Rate5.000%
Points0
Checking Account
money_market
5.500% APR
Rate5.500%
Points0
Money Market ($2000-$24999)
money_market
5.500% APR
Rate5.500%
Points0
Money Market ($2000.00-$24999.99)
savings
6.000% APR
Rate5.841%
Points0
High Interest Checking

Auto Loan Rates

Rates as of July 10, 2026

auto_new_36mo
4.990% APR
Rate4.990%
[PROMOTIONAL] New Auto (2025+) - 36 Months
auto_new_36mo
4.990% APR
Rate4.990%
[PROMOTIONAL] New Auto - 2025 and Newer - Up to 36 Months
auto_used_66mo
5.590% APR
Rate5.590%
[PROMOTIONAL] Used Auto - 2024 - Up to 66 Months
auto_used_66mo
5.790% APR
Rate5.790%
[PROMOTIONAL] Used Auto - 2023-2022 - Up to 66 Months
auto_used_54mo
6.190% APR
Rate6.190%
[PROMOTIONAL] Used Auto - 2020-2019 - Up to 54 Months
auto_used_60mo
6.190% APR
Rate6.190%
[PROMOTIONAL] Used Auto - 2021 - Up to 60 Months
auto_new_84mo
6.290% APR
Rate6.290%
[PROMOTIONAL] New Auto (2025+) - 84 Months
auto_new_84mo
6.290% APR
Rate6.290%
[PROMOTIONAL] New Auto - 2025 and Newer - Up to 84 Months
auto_used_54mo
6.390% APR
Rate6.390%
[PROMOTIONAL] Used Auto - 2018-2017 - Up to 54 Months
auto_any_66mo
6.890% APR
Rate6.890%
[PROMOTIONAL] Motorcycle and Scooter Loans - 2025 and Newer - Up to 66 months
auto_any_48mo
7.190% APR
Rate7.190%
[PROMOTIONAL] Recreational Vehicle - 48 Months
auto_any_48mo
7.190% APR
Rate7.190%
[PROMOTIONAL] Recreational Vehicles - Up to 48 months
auto_any_72mo
7.490% APR
Rate7.490%
[PROMOTIONAL] Motorcycle and Scooter Loans - 2025 and Newer - Up to 72 months
credit_card_platinum
7.990% APR
Rate7.990%
Platinum MasterCard
auto_any_66mo
8.090% APR
Rate8.090%
[PROMOTIONAL] Motorcycle and Scooter Loans - 2024-2023 - Up to 66 months
auto_any_72mo
8.690% APR
Rate8.690%
[PROMOTIONAL] Motorcycle and Scooter Loans - 2024-2023 - Up to 72 months
auto_any_48mo
9.290% APR
Rate9.290%
[PROMOTIONAL] Motorcycle and Scooter Loans - 2020-2019 - Up to 48 months
auto_any_48mo
9.290% APR
Rate9.290%
[PROMOTIONAL] Motorcycle and Scooter Loans - 2022-2021 - Up to 48 months
credit_card
9.990% APR
Rate9.990%
Gold MasterCard
auto
9.990% APR
Rate9.990%
[PROMOTIONAL] Recreational Vehicle - 180 Months
auto
9.990% APR
Rate9.990%
[PROMOTIONAL] Recreational Vehicles - Up to 180 months
credit_card
11.500% APR
Rate11.500%
Regular MasterCard
personal_secured
12.000% APR
Rate12.000%
Share Secured MasterCard

HELOC Rates

Rates as of July 10, 2026

heloc_fixed
5.190% APR
Rate5.190%
[PROMOTIONAL] Home Equity Loan - First Lien - 5 Years
heloc_fixed
5.190% APR
Rate5.190%
[PROMOTIONAL] Home Equity Loan - First Lien - Up to 5 years
heloc_fixed
5.490% APR
Rate5.490%
[PROMOTIONAL] Home Equity Loan - First Lien - 10 Years
heloc_fixed
5.490% APR
Rate5.490%
[PROMOTIONAL] Home Equity Loan - First Lien - Up to 10 years
heloc_fixed
5.590% APR
Rate5.590%
[PROMOTIONAL] Home Equity Loan - Second Lien - 5 Years
heloc_fixed
5.590% APR
Rate5.590%
[PROMOTIONAL] Home Equity Loan - Second Lien - Up to 5 years
heloc_fixed
5.690% APR
Rate5.690%
[PROMOTIONAL] Home Equity Loan - First Lien - 15 Years
heloc_fixed
5.690% APR
Rate5.690%
[PROMOTIONAL] Home Equity Loan - First Lien - Up to 15 years
heloc_fixed
5.990% APR
Rate5.990%
[PROMOTIONAL] Home Equity Loan - Second Lien - 10 Years
heloc_fixed
5.990% APR
Rate5.990%
[PROMOTIONAL] Home Equity Loan - Second Lien - Up to 10 years
heloc_fixed
6.090% APR
Rate6.090%
[PROMOTIONAL] Home Equity Loan - First Lien - 20 Years
heloc_fixed
6.090% APR
Rate6.090%
[PROMOTIONAL] Home Equity Loan - First Lien - Up to 20 years
heloc_fixed
6.190% APR
Rate6.190%
[PROMOTIONAL] Home Equity Loan - Second Lien - 15 Years
heloc_fixed
6.190% APR
Rate6.190%
[PROMOTIONAL] Home Equity Loan - Second Lien - Up to 15 years
heloc_fixed
6.590% APR
Rate6.590%
[PROMOTIONAL] Home Equity Loan - Second Lien - 20 Years
heloc_fixed
6.590% APR
Rate6.590%
[PROMOTIONAL] Home Equity Loan - Second Lien - Up to 20 years

Personal Loan Rates

Rates as of July 10, 2026

personal
11.500% APR
Rate11.500%
Ready Credit Loan

Frequently Asked Questions

What rates does Public Employees offer?

Public Employees currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Public Employees rates updated?

RateAPI verifies Public Employees's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Public Employees's rate data?

Rate data is collected directly from Public Employees's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Public Employees's mortgage rate?

As of July 10, 2026, Public Employees offers a money_market mortgage at 1% APR.

What is Public Employees's auto loan rate?

As of July 10, 2026, Public Employees offers auto loans from 4.99% APR.

Related Rate Data

Compare Public Employees's rates against national credit-union benchmarks.

More Texas credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Public Employees
curl "https://api.rateapi.dev/credit-unions/texas/public-employees" \
  -H "Authorization: Bearer YOUR_API_KEY"
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