|
Loans | Mortgage | Savings | Certificates | Calculator
With approved credit
Rates subject to change without notice
Please note: Refresh your screen to be sure you see the latest rates
Rates effective as of July 16, 2010
| Closed-end Loans: Rates As Low As |
Rate |
APR* |
Term |
Example
(monthly payments for each $1,000 borrowed)
|
| New Vehicles 2010/2011** |
3.990 |
3.990
|
66 |
$16.91
|
| New Vehicles 2010/2011** Loan Amount minimum $10,000*** |
3.990 |
3.990 |
72 |
$15.65
|
| New Vehicles 2010/2011** Loan Amount minimum $10,000*** |
4.490 |
4.490 |
78 |
$14.81
|
| New Vehicles 2010/2011** Loan Amount minimum $40,000*** |
4.490 |
4.490 |
84 |
$14.34 |
| Used Vehicles 2008-2010 |
5.240 |
5.240 |
66 |
$17.84
|
| Used Vehicles 2008-2010 Loan Amount minimum $10,000 |
5.740 |
5.740 |
72 |
$16.46
|
| Used Vehicles 2008-2010 Loan Amount minimum $10,000*** |
5.740 |
5.740 |
78 |
$15.40
|
| Used Vehicles 2007 |
5.740 |
5.740 |
66 |
$17.71
|
| Used Vehicles 2006 |
5.990 |
5.990 |
60 |
$19.33
|
| Used Vehicles 2005 |
6.490 |
6.490 |
54 |
$21.41
|
| Used Vehicles 2004 |
6.990 |
6.990 |
54 |
$21.69
|
| Used Vehicles 2003 - Older |
9.200 |
9.200 |
36 |
$31.90
|
| Boats Over $60,000 |
6.990 |
6.990 |
84 |
$15.09
|
| Boats Over $35,000 |
6.490 |
6.490 |
72 |
$16.81 |
| Boats Over $10,000 |
5.990 |
5.990 |
60 |
$19.33
|
| Boats Over $5,000 |
6.990 |
6.990 |
48 |
$23.95 |
| Boats Under $5,000 |
8.390 |
8.390 |
36 |
$31.53
|
| Motorhome/Travel Trailer Over $100,000 |
7.400 |
7.400 |
180 |
$9.22
|
| Motorhome/Travel Trailer Over $60,000 |
6.900 |
6.900 |
144 |
$10.24
|
| Motorhome/Travel Trailer Over $35,000 |
6.900 |
6.900 |
120 |
$11.57
|
| Motorhome/Travel Trailer Over $20,000 |
6.900 |
6.900 |
96 |
$13.59 |
| Motorhome/Travel Trailer Over $10,000 |
7.900 |
7.900 |
72 |
$17.49 |
| Motorhome/Travel Trailer Under $10,000 |
8.900 |
8.900 |
48 |
$24.84
|
| Motorcycles Over $20,000 |
6.000
|
6.000 |
72/60 |
$16.58
|
| Motorcycles Over $15,000 |
7.000
|
7.000
|
54
|
$21.65 |
| Motorcycles Over $10,000 |
7.890 |
7.890 |
48 |
$24.37
|
| Motorcycles Under $10,000 |
9.890
|
9.890
|
36
|
$32.22
|
| Camping Trailers Over $5,000 |
10.900 |
10.900 |
48 |
$25.80
|
| Camping Trailers Under $5,000 |
10.900 |
10.900 |
36 |
$32.70 |
| Horse Trailers Over $40,000 |
8.900 |
8.900 |
120 |
$12.62
|
| Horse Trailers Over $20,000 |
9.900 |
9.900 |
84 |
$16.56
|
| Horse Trailers Over $10,000 |
10.900 |
10.900 |
72 |
$18.99
|
|
Horse Trailers Under $10,000
|
10.900
|
10.900
|
60
|
$21.70
|
| Horse Trailers Under $5,000 |
10.900 |
10.900 |
36 |
$32.70
|
| New Jet Ski 2007/2008 Under $10,000 |
9.900 |
9.900 |
36 |
$32.23
|
| New Jet Ski 2007/2008 Over $10,000 |
9.900 |
9.900 |
60 |
$21.20
|
| New Consumer Goods |
13.500 |
13.500 |
36
|
$33.94
|
| New Computer Purchase |
10.500
|
10.500
|
36
|
$32.50 |
| Unsecured Closed-end Loan |
15.800 |
15.800 |
36
|
$35.06
|
| New Mobile Home |
13.000 |
13.000 |
60 |
$22.76 |
| Used Mobile Home |
13.000 |
13.000 |
60 |
$22.76 |
|
With Approved Credit
TTCU will loan up to 100% of NADA retail on used autos and 100% of MSRP on new autos.
*APR = Annual Percentage Rate
**2010/2011 Vehicles under 20,000 miles financed as new for purchases
***Rate and Terms Dependent Upon Credit Score
Term is in months
Boats, Mortorhome/Travel Trailers and Motorcycles Rate and Maximum Term based on MSRP or NADA Retail
Please note: Share Certificate Loans available. Please call for rates.
Go To Loan Application | Go To Calculators | Back to Top
|
| Rates subject to change without notice. Rate may be locked in at time of application for approximately 30 days. |
Mortgage Rates effective as of July 22, 2010 and may be subject to change without notice
Property and flood insurance may be required.
First Mortgage 30 Year Fixed¹
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 360 months)
|
| 4.875 |
0 |
4.911
|
$5.29 |
| 4.750 |
.5 |
4.829 |
$5.22 |
| 4.625 |
1 |
4.747 |
$5.14 |
APRs are based on loans with <=80% LTV
First Mortgage 15 Year Fixed¹
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 180 months)
|
| 4.125 |
0 |
4.189
|
$7.46 |
| 4.000 |
.5 |
4.137 |
$7.40 |
| 3.875 |
1 |
4.086 |
$7.33 |
APRs are based on loans with <=80% LTV
First Mortgage 1 Year Adjustable Rate 30 Year (2/5 Cap)³
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 360 months)
|
| 4.000 |
0 |
3.347 |
$4.77 |
| 3.750 |
1 |
3.407 |
$4.63 |
CAPS are 2% YEARLY AND 5% MAXIMUM INCREASE FROM INITIAL RATE. After one year, APR is based on an index plus a margin and will vary monthly for 29 years. As of 7-19-1010, fully indexed rate is 3.125%. APRs are based on loans with <=80% LTV
First Mortgage 5-1 Adjustable Rate 30 Year (2/6 Cap)³
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 360 months)
|
| 4.500 |
0 |
4.537 |
$5.07 |
CAPS ARE 2% YEARLY AND 5% MAXIMUM INCREASE FROM INITIAL RATE. INITIAL RATE IS GOOD FOR 5 YEARS. After five years, APR is based on an index plus a margin and will vary monthly for 25 years. As of 7-19-2010, fully indexed rate is 3.125%. APRS are based on loans with <=80% LTV
a Your initial rate may be higher depending on your credit score. After the 1st month or 36th month depending on the product you choose, your rate is based on an index plus a margin and varies monthly with a floor rate of 4.500% for LTV of 80% or less, or 5.500% for LTV greater than 80%. As of 07-19-10 the fully indexed rate is as low as 3.250%. The index is the Highest Prime Rate published in the Wall Street Journal as of the 25th day of each month. The margin may vary based on credit score and loan to value. TTCU obtains the credit score from a consumer reporting agency. Maximum rate of 18%. You may be required to reimburse TTCU for ELOC closing costs if the credit line is closed within the first three years. With approved credit. Rates are subject to change. Property and flood insurance may be required.
Second Mortgage 15 Year - ARM²
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 180 months)
|
| 5.500 |
0 |
5.556 |
$8.17 |
Second Mortgage 5 Year Fixed²
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 60 months)
|
|
5.875
|
0 |
5.884 |
$19.27 |
Second Mortgage 10 Year Fixed²
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 120 months)
|
| 6.375 |
0 |
6.380 |
$11.29 |
Second Mortgage 15 Year - Fixed²
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 180 months)
|
| 6.875 |
0 |
6.879 |
$8.92 |
Land Only First Mortgage 15 Year Fixed≈
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 180 months)
|
| 8.500 |
0 |
8.568
|
$9.85 |
| 8.375 |
.5 |
8.527 |
$9.77 |
| 8.250 |
1 |
8.485 |
$9.70 |
Residential Rental Property First Mortgage 15 Year Fixed
| Rate |
Points |
APR* |
| 7.000 |
1 |
7.227 |
Residential Rental Property First Mortgage 15 Year 5-1 ARM (2/6 Cap)
| Rate |
Points |
APR* |
| 6.250 |
1 |
6.477 |
Residential Rental Property First Mortgage 15 Year 7-1 ARM (2/6 Cap)
| Rate |
Points |
APR* |
| 6.375 |
1 |
6.602 |
*APR = Annual Percentage Rate
¹Primary Residence and Second Homes (No Rental Property)
²Add 1% to rates if greater than 80% LTV
³APR is subject to increase
≈Maximum LTV is 80% for up to 10 acres, 60% for over 10 acres. Maximum 20 acres.
5-1 and 7-1 ARM loans cannot go below the initial rate
97% financing is available for purchases to qualified borrowers. Please see the Mortgage Info Sheet for more detailed information.
Please note: Second Mortgages and Equity Line of Credit Loans are available for Primary Residence only. Maximum LTV is 100%.
Go To Loan Application | Go To Calculators | Back to Top
| Rates effective as of the last dividend declaration date (July 1, 2010) and are subject to change without notice. Rates are variable and may change after the account is opened. Fees could reduce earnings. |
| Savings |
Dividend Rate |
APY* |
Term |
| Share & Club Accounts $25 to $10,000 |
.500 |
.500 |
n/a |
| Share & Club Accounts $10,000.01 to $20,000 |
.700 |
.700 |
n/a |
| Share & Club Accounts $20,000.01 to $40,000 |
.900 |
.900 |
n/a |
| Share & Club Accounts $40,000.01 and Over |
1.050 |
1.050 |
n/a |
| Draft/Checking - Classic and Rewards |
0.350 |
0.350 |
n/a |
| IRA (Traditional/Education/Roth) $25 to $20,000 |
1.190 |
1.200 |
n/a |
| IRA (Traditional/Education/Roth) $20,000.01 to $40,000 |
1.390 |
1.400 |
n/a |
| IRA (Traditional/Education/Roth) $40,000.01 and Over |
1.590 |
1.600 |
n/a |
| Rates effective as of April 7,2010. Rates are subject to change without notice. Rates are variable and may change after the account is opened. Fees could reduce earnings. |
|
Rates effective as of July 28, 2010. Rates subject to change without notice. A penalty may be imposed for early withdrawal.
|
| Certificates |
Dividend Rate |
APY* |
Term |
| Share Certificates Minimum Balance $1,000 |
1.340
|
1.350
|
6 |
| Share Certificates Minimum Balance $1,000 |
1.440 |
1.450
|
12 |
| Share Certificates Minimum Balance $1,000 |
1.540 |
1.550 |
18 |
Share Certificates Minimum Balance $1,000 PROMOTIONAL RATE
|
1.940 |
1.950 |
20 |
| Share Certificates Minimum Balance $1,000 |
1.790 |
1.800
|
24 |
| Share Certificates Minimum Balance $1,000 |
2.380 |
2.400
|
36 |
| Share Certificates Minimum Balance $1,000 |
2.920 |
2.950
|
48 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.390 |
1.400
|
6 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.490 |
1.500
|
12 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.590
|
1.600
|
18 |
Share Certificates "Jumbo" Minimum Balance $50,000 PROMOTIONAL RATE
|
1.985 |
2.000 |
20 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.840
|
1.850
|
24
|
| Share Certificates "Jumbo" Minimum Balance $50,000 |
2.430 |
2.450
|
36 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
2.970 |
3.000
|
48 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
1.490 |
1.500
|
12 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 PROMOTIONAL RATE |
1.985 |
2.000 |
20 |
| Traditional IRA Certificate Rates Minimum Balance $1000 |
1.840 |
1.850 |
24 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
2.430 |
2.450
|
36 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
2.970 |
3.000
|
48 |
| Roth Certificates Minimum Balance $1,000 |
1.490 |
1.500
|
12 |
| Roth Certificates Minimum Balance $1,000 PROMOTIONAL RATE |
1.985 |
2.000 |
20 |
| Roth Certificates Minimum Balance $1000 |
1.840 |
1.850 |
24 |
| Roth Certificates Minimum Balance $1,000 |
2.430
|
2.450
|
36 |
| Roth Certificates Minimum Balance $1,000 |
2.970
|
3.000
|
48 |
|
