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Loans | Mortgage | Savings | Certificates
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 May 15, 2008 |
| Loans - Rates As Low As |
Rate |
APR* |
Term |
Example |
| New Vehicles 2007/2009** |
4.990 |
4.990
|
60 |
Calculator |
| New Vehicles 2007/2009 Under $45,000** |
5.490 |
5.490 |
72 |
Calculator |
| New Vehicles 2007/2009 Over $45,000** |
4.990 |
4.990 |
72 |
Calculator |
| Used Vehicles 2005-2009 |
5.990 |
5.990 |
60 |
Calculator |
| Used Vehicles 2003-2004 |
5.990 |
5.990 |
54 |
Calculator |
| Used Vehicles 2002 |
7.700 |
7.700 |
42 |
Calculator |
| Used Vehicles 2001 - Older |
8.700 |
8.700 |
36 |
Calculator |
| Boats Over $60,000 |
6.990 |
6.990 |
84 |
Calculator |
| Boats Over $35,000 |
6.490 |
6.490 |
72 |
Calculator |
| Boats Over $10,000 |
5.990 |
5.990 |
60 |
Calculator |
| Boats Over $5,000 |
6.990 |
6.990 |
48 |
Calculator |
| Boats Under $5,000 |
8.390 |
8.390 |
36 |
Calculator |
| Motorhome/Travel Trailer Over $100,000 |
7.400 |
7.400 |
180 |
Calculator |
| Motorhome/Travel Trailer Over $60,000 |
6.900 |
6.900 |
144 |
Calculator |
| Motorhome/Travel Trailer Over $35,000 |
6.900 |
6.900 |
120 |
Calculator |
| Motorhome/Travel Trailer Over $20,000 |
6.900 |
6.900 |
96 |
Calculator |
| Motorhome/Travel Trailer Over $10,000 |
7.900 |
7.900 |
72 |
Calculator |
| Motorhome/Travel Trailer Under $10,000 |
8.900 |
8.900 |
48 |
Calculator |
| Motorcycles Over $20,000 |
6.000
|
6.000 |
72/60 |
Calculator |
| Motorcycles Over $15,000 |
7.000
|
7.000
|
54
|
Calculator |
| Motorcycles Over $10,000 |
7.890 |
7.890 |
48 |
Calculator |
| Motorcycles Under $10,000 |
9.890
|
9.890
|
36
|
Calculator |
| Camping Trailers Over $5,000 |
10.900 |
10.900 |
48 |
Calculator |
| Camping Trailers Under $5,000 |
10.900 |
10.900 |
36 |
Calculator |
| Horse Trailers Over $40,000 |
8.900 |
8.900 |
120 |
Calculator |
| Horse Trailers Over $20,000 |
9.900 |
9.900 |
84 |
Calculator |
| Horse Trailers Over $10,000 |
10.900 |
10.900 |
72 |
Calculator |
|
Horse Trailers Under $10,000
|
10.900
|
10.900
|
60
|
Calculator |
| Horse Trailers Under $5,000 |
10.900 |
10.900 |
36 |
Calculator |
| New Jet Ski 2007/2008 Under $10,000 |
9.900 |
9.900 |
36 |
Calculator |
| New Jet Ski 2007/2008 Over $10,000 |
9.900 |
9.900 |
60 |
Calculator |
| Visa Gold Card |
9.900 |
9.900 |
N/A
|
Calculator |
| Classic MasterCard |
11.900
|
11.900
|
N/A
|
Calculator |
| Unsecured Line of Credit |
13.800
|
13.800
|
N/A
|
Calculator |
| Share Secured Loans |
4.730 |
4.730 |
N/A |
Calculator |
| New Mobile Home |
13.000 |
13.000 |
60 |
Calculator |
| Used Mobile Home |
13.000 |
13.000 |
60 |
Calculator |
| New Consumer Goods |
13.500 |
13.500 |
36 |
Calculator |
| New Computer Purchase |
10.500 |
10.500 |
36 |
Calculator |
| Unsecured Closed-end Loan |
15.800 |
15.800 |
36 |
Calculator |
|
With approved credit
TTCU will loan 100% of NADA retail on used autos and 100% of MSRP on new autos.
*APR = Annual Percentage Rate is based on member's credit history
**2007/2009 Vehicles under 25,000 miles financed as new for purchases and outside refinances
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 May 15, 2008 and may be subject to change without notice
First Mortgage 30 Year Fixed**
| Rate |
Points |
APR* |
| 6.250 |
0 |
6.289
|
| 6.125 |
.5 |
6.211 |
| 6.000 |
1 |
6.132 |
First Mortgage 15 Year Fixed**
| Rate |
Points |
APR* |
| 5.750 |
0 |
5.813
|
| 5.625 |
.5 |
5.765 |
| 5.500 |
1 |
5.717 |
First Mortgage 1 Year Adjustable Rate 30 Year (2/5 Cap)****
| Rate |
Points |
APR* |
| 5.375 |
0 |
4.613 |
| 5.125 |
1 |
4.678 |
First Mortgage 5-1 Adjustable Rate 30 Year (2/6 Cap)****
| Rate |
Points |
APR* |
| 5.375 |
0 |
5.414 |
Equity Line of Credit (HELOC) 1 YEAR ARM 80% or Below Loan to Value****
| Rate |
Points |
APR* |
| 5.250 first yr. / 7.000 floor rate(1) |
0 |
5.250 first yr. / 7.000 floor rate(1) |
Equity Line of Credit (HELOC) 1 YEAR ARM Above 80% Loan to Value****
| Rate |
Points |
APR* |
| 6.250 first yr. / 7.000 floor rate(2) |
0 |
6.250 first yr. / 7.000 floor rate(2) |
Equity Line of Credit (HELOC) 3/1 ARM 80% or Below Loan to Value****
| Rate |
Points |
APR* |
| 5.250 first 3yr. / 7.000 floor rate(3) |
0 |
5.250 first 3yr. / 7.000 fully indexed (3) |
Equity Line of Credit (HELOC) 3/1 ARM Above 80% Loan to Value****
| Rate |
Points |
APR* |
| 6.250 first 3yr. / 7.000 fully indexed (4) |
0 |
6.250 first 3yr. / 7.000 fully indexed (4) |
Second Mortgage 15 Year - ARM***
| Rate |
Points |
APR* |
| 5.875 |
0 |
6.572 |
Second Mortgage 5 Year Fixed***
| Rate |
Points |
APR* |
|
6.500
|
0 |
6.509 |
Second Mortgage 10 Year Fixed***
| Rate |
Points |
APR* |
| 7.000 |
0 |
7.093 |
Second Mortgage 15 Year - Fixed***
| Rate |
Points |
APR* |
| 7.500 |
0 |
7.568 |
Land Only First Mortgage 15 Year Fixed³
|
| Rate |
Points |
APR* |
| 8.750 |
0 |
8.819
|
| 8.625 |
.5 |
8.778 |
| 8.500 |
1 |
8.737 |
Residential Rental Property First Mortgage 15 Year Fixed
| Rate |
Points |
APR* |
| 6.125 |
1 |
6.346 |
Residential Rental Property First Mortgage 15 Year 5-1 ARM (2/6 Cap)
| Rate |
Points |
APR* |
| 5.750 |
1 |
5.874 |
Residential Rental Property First Mortgage 15 Year 7-1 ARM (2/6 Cap)
| Rate |
Points |
APR* |
| 5.875 |
1 |
6.099 |
*APR = Annual Percentage Rate
**Primary Residence and Second Homes (No Rental Property)
***Add 1% to rates if greater than 80% LTV
****APR is subject to increase
³Maximum LTV is 80% for up to 10 acres, 60% for over 10 acres. Maximum 20 acres.
(1) Initial rate is a discounted rate. After first year, rate is based on an index plus a margin of 4, 7.000% APR (floor rate) as of 4/11/08, Maximum rate of 18%
(2) Initial rate is a discounted rate. After first year, rate is based on an index plus a margin of 5, 7.000% APR (floor rate) as of 4/11/08, Maximum rate of 18%
(3) Initial rate is a discounted rate. After third year, rate is based on an index plus a margin of 4, 7.000% APR (floor rate) as of 4/11/08, Maximum rate of 18%
(4) Initial rate is a discounted rate. After third year, rate is based on an index plus a margin of 5, 7.000% APR (floor rate) as of 4/11/08, Maximum rate of 18%
5-1 and 7-1 ARM loans cannot go below the initial rate
With our 100% financing program, TTCU offers a no down payment option 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 95%.
Go To Loan Application | Go To Calculators | Back to Top
|
| Rates effective as of the last dividend declaration date (03-31-2008) 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 |
1.240 |
1.250 |
n/a |
| Share & Club Accounts $10,000.01 to $20,000 |
1.490 |
1.500 |
n/a |
| Share & Club Accounts $20,000.01 to $40,000 |
1.740 |
1.750 |
n/a |
| Share & Club Accounts $40,000.01 and Over |
2.230 |
2.250 |
n/a |
| Draft/Checking - Classic and Rewards |
0.750 |
0.750 |
n/a |
| IRA (Traditional/Education/Roth) $25 to $20,000 |
3.210 |
3.250 |
n/a |
| IRA (Traditional/Education/Roth) $20,000.01 to $40,000 |
3.455 |
3.500 |
n/a |
| IRA (Traditional/Education/Roth) $40,000.01 and Over |
3700 |
3.750 |
n/a |
| Rates effective as of 05-01-08. 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 May 14, 2008. 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 |
2.820
|
2.850
|
6 |
| Share Certificates Minimum Balance $1,000 |
2.920 |
2.950
|
12 |
| Share Certificates Minimum Balance $1,000 |
3.020 |
3.050
|
18 |
| Share Certificates Minimum Balance $1,000 |
3.210 |
3.250
|
24 |
| Share Certificates Minimum Balance $1,000 |
3.500 |
3.550
|
36 |
| Share Certificates Minimum Balance $1,000 |
3.750 |
3.800
|
48 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
2.870 |
2.900
|
6 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
2.970 |
3.000
|
12 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
3.060
|
3.100
|
18 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
3.260
|
3.300
|
24
|
| Share Certificates "Jumbo" Minimum Balance $50,000 |
3.550
|
3.600
|
36 |
| Share Certificates "Jumbo" Minimum Balance $50,000 |
3.800 |
3.850
|
48 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
2.970 |
3.000
|
12 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
3.260 |
3.300 |
24 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
3.550 |
3.600
|
36 |
| Traditional IRA Certificate Rates Minimum Balance $1,000 |
3.800 |
3.850
|
48 |
| Roth Certificates Minimum Balance $1,000 |
2.970 |
3.000
|
12 |
| Roth Certificates Minimum Balance $1,000 |
3.260
|
3.300
|
24 |
| Roth Certificates Minimum Balance $1,000 |
3.550
|
3.600
|
36 |
| Roth Certificates Minimum Balance $1,000 |
3.800
|
3.850
|
48 |
|
|
