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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 January 12, 2012
Closed-end Loans: Rates As Low As (Rate & Term Dependent on Credit Score)
|
Rate |
APR* |
Term |
Example
(monthly payments for each $1,000 borrowed)
|
| New Vehicles 2011/2012** |
3.990 |
3.990
|
66 |
$16.91 |
| New Vehicles 2011/2012** Loan Amount minimum $10,000*** |
3.990 |
3.990 |
72 |
$15.65 |
| New Vehicles 2011/2012** Loan Amount minimum $10,000*** |
3.990 |
3.990 |
78 |
$14.58 |
|
New Vehicles 2011/2012** Loan Amount minimum $18,000***
|
3.990 |
3.990 |
84 |
$13.67
|
| Used Vehicles 2008-2012 |
3.990 |
3.990 |
66 |
$16.90 |
| Used Vehicles 2008-2012 Loan Amount minimum $12,000 |
4.490 |
4.490 |
78 |
$14.81
|
Used Vehicles 2009-2012 Loan Amount minimum $15,000*** (max miles 40,000)
|
4.990 |
4.990 |
84 |
$14.13 |
Used Vehicles 2005-2007
|
5.240 |
5.240 |
66 |
$17.48 |
Used Vehicles 2005-2007 Loan Amount minimum $12,000*** (max miles 75,000)
|
5.740 |
5.740 |
72 |
$16.45 |
Used Vehicles 2004 - Older
|
7.950 |
7.950 |
36 |
$31.32 |
| Used Vehicles 2004 - Older Loan Amount minimum $12,000*** |
8.450 |
8.450 |
48 |
$24.62 |
| 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 $30,000 |
5.990 |
5.990 |
180 |
$8.44 |
| Motorhome/Travel Trailer Over $15,000 |
5.990 |
5.990 |
144 |
$9.76 |
| Motorhome/Travel Trailer Over $10,000 |
5.990 |
5.990 |
120 |
$11.10 |
| Motorhome/Travel Trailer Over $8,000 |
5.990 |
5.990 |
72 |
$16.34 |
| 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 |
| Horse Trailers Over $30,000 |
7.990 |
7.990 |
120 |
$12.14 |
| Horse Trailers Over $20,000 |
7.990 |
7.990 |
84 |
$15.59 |
| Horse Trailers Over $8,000 |
7.990 |
7.990 |
60 |
$20.28 |
| New Jet Ski 2011/2012 Under $10,000 |
9.900 |
9.900 |
36 |
$32.23 |
| New Jet Ski 2011/2012 Over $10,000 |
9.900 |
9.900 |
60 |
$21.20 |
| Unsecured Closed-end Loan |
8.400 |
8.400 |
36/60 |
$35.06 |
|
With Approved Credit
TTCU offers a very competitively priced Mechanical Breakdown Protection( MBP) that covers you for a variety of mechanical failures. Click here for quote.
TTCU will loan up to 100% of NADA retail on used autos and 100% of MSRP on new autos.
*APR = Annual Percentage Rate
**2011/2012 Vehicles under 20,000 miles financed as new for purchases
***Rate and Terms Dependent Upon Credit Score
Term is in months
Boats, Motorhome/Travel Trailers and Motorcycles Rate and Maximum Term based on MSRP or NADA Retail
Please note: Share Certificate Loans available. Please call for rates.
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|
Mortgage Rates effective as of January 30, 2012 and may be subject to change without notice
Rate may be locked in at time of application for approximately 30 days
Property and flood insurance may be required
First Mortgage 30 Year Fixed¹
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 360 months)
|
|
3.875
|
0 |
3.909
|
$4.70 |
APRs are based on loans with <=80% LTV
First Mortgage 15 Year Fixed¹
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 180 months)
|
| 3.250 |
0 |
3.309
|
$7.03 |
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)
|
| 3.000 |
0 |
3.149 |
$4.22 |
| 2.750 |
1 |
3.213 |
$4.08 |
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 01-09-2012, fully indexed rate is 3.000%. 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)
|
| 3.250 |
0 |
3.284 |
$4.35 |
CAPS ARE 2% YEARLY AND 6% 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 01-09-2012, fully indexed rate is 3.000%. 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 3.250% for LTV of 80% or less, or 4.250% for LTV greater than 80%. As of 01-09-2012 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 5 Year Fixed²
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 60 months)
|
|
4.625
|
0 |
4.634 |
$18.70 |
Second Mortgage 10 Year Fixed²
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 120 months)
|
| 5.000 |
0 |
5.006 |
$10.61 |
Second Mortgage 15 Year - Fixed²
| Rate |
Points |
APR* |
Example
(payment per $1,000 for 180 months)
|
| 5.25 |
0 |
5.254 |
$8.04 |
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* |
| 5.5 |
0 |
5.635 |
Bridge Loans Interim Purchase Financing¤
| Rate |
Points |
APR* |
| 6.5 |
0 |
6.5 |
*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.
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%.
¤ Interest only 12 month balloon loan. Purchases only. LTV is 95%.
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| Rates effective as of the last dividend declaration date (October 1, 2011) 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 |
.600 |
.600 |
n/a |
| Share & Club Accounts $20,000.01 to $40,000 |
.700 |
.700 |
n/a |
| Share & Club Accounts $40,000.01 and Over |
.800 |
.800 |
n/a |
| Draft/Checking - Classic and Rewards |
.250 |
.250 |
n/a |
| IRA (Traditional/Education/Roth) $25 to $20,000 |
1.100 |
1.100 |
n/a |
| IRA (Traditional/Education/Roth) $20,000.01 to $40,000 |
1.190 |
1.200 |
n/a |
| IRA (Traditional/Education/Roth) $40,000.01 and Over |
1.390 |
1.400 |
n/a |
| Rates effective as of October 1, 2011. Rates subject to change without notice. Rates are variable and may change after the account is opened. Fees could reduce earnings. |
|
Rates effective as of February 1, 2012. 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 |
.950
|
.950
|
6 |
| Share Certificates Minimum Balance $1,000 |
1.050 |
1.050
|
12 |
| Share Certificates Minimum Balance $1,000 |
1.145 |
1.150 |
18 |
Share Certificates Minimum Balance $1,000 PROMOTIONAL RATE
|
1.390 |
1.400 |
19 |
| Share Certificates Minimum Balance $1,000 |
1.390 |
1.400
|
24 |
| Share Certificates Minimum Balance $1,000 |
1.740 |
1.750
|
36 |
| Share Certificates Minimum Balance $1,000 |
1.985
|
2.000
|
48 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.000 |
1.000
|
6 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.100 |
1.100
|
12 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.190 |
1.200 |
18 |
Share Certificates "Jumbo" Minimum Balance $50,000 PROMOTIONAL RATE
|
1.440 |
1.450 |
19 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.440 |
1.450 |
24 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
1.790 |
1.800
|
36 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
2.030 |
2.050
|
48 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
1.100 |
1.100
|
12 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 PROMOTIONAL RATE |
1.440 |
1.450 |
19 |
| Traditional IRA Certificate Rates Minimum Balance $1000 |
1.440 |
1.450 |
24 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
1.790 |
1.800
|
36 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
2.030 |
2.050
|
48 |
| Roth Certificates Minimum Balance $1,000 |
1.100 |
1.100
|
12 |
| Roth Certificates Minimum Balance $1,000 PROMOTIONAL RATE |
1.440 |
1.450 |
19 |
| Roth Certificates Minimum Balance $1000 |
1.440 |
1.450 |
24 |
| Roth Certificates Minimum Balance $1,000 |
1.750
|
1.800
|
36 |
| Roth Certificates Minimum Balance $1,000 |
2.030
|
2.050
|
48 |
|
