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Rates

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 November 20, 2008

 

Loans - Rates As Low As Rate APR* Term  Example
New Vehicles 2008/2009**   4.790

4.790

60 Calculator
New Vehicles 2008/2009 Under $45,000** 5.290 5.290 72 Calculator
New Vehicles 2008/2009 Over $45,000** 4.790 4.790 72 Calculator
Used Vehicles 2006-2008 5.490 5.490 60 Calculator
Used Vehicles 2004-2005 5.990 5.990 54 Calculator
Used Vehicles 2003 7.700 7.700 42 Calculator
Used Vehicles 2002 - 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

**2008/2009 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 November 20, 2008 and may be subject to change without notice

Property and flood insurance may be required.

 First Mortgage 30 Year Fixed**

Rate Points APR*
6.375 0

6.414

6.250 .5 6.336
6.125 1 6.258


First Mortgage 15 Year Fixed**

Rate Points APR*
6.250 0

6.378

6.125 .5 6.332
6.000 1 6.285


First Mortgage 1 Year Adjustable Rate 30 Year (2/5 Cap)****

Rate Points APR*
5.750 0 5.106
5.500 1 5.173


First Mortgage 5-1 Adjustable Rate 30 Year (2/6 Cap)****

Rate Points APR*
6.000 0 6.040

Equity Line of Credit (HELOC) 1 MONTH ARM 80% or Below Loan to Value

Rate - As Low As Points APR*
4.000 first month a 0 4.000 first month

Equity Line of Credit (HELOC) 1 MONTH ARM Above 80% Loan to Value

Rate - As Low As Points APR*
5.000 first month a 0 5.000 first month


Equity Line of Credit (HELOC) 3/1 ARM 80% or Below Loan to Value

Rate - As Low As Points APR*
6.250 first 3yr. a 0 6.250 first 3yr.


Equity Line of Credit (HELOC) 3/1 ARM Above 80% Loan to Value

Rate - As Low As Points APR*
7.250 first 3yr. a 0 7.250 first 3yr.

  Second Mortgage 15 Year - ARM***

Rate Points APR*
5.875  6.939


Second Mortgage 5 Year Fixed***

Rate Points APR*

6.500

6.509


Second Mortgage 10 Year Fixed***

Rate Points APR*
7.000 7.093


Second Mortgage 15 Year - Fixed***

Rate Points APR*
7.500 0 7.568

  Land Only First Mortgage 15 Year Fixed

Rate Points APR*
9.250 0

9.390

9.125 .5 9.351
9.000 1 9.312

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
**Primary Residence and Second Homes (No Rental Property) 
***Add 1% to rates if greater than 80% LTV
****APR is subject to increase

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. As of 11/06/08 the fully indexed rate is as low as 4.000%. 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.

≈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

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 (October 1, 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 2.720 2.750 n/a
IRA (Traditional/Education/Roth) $20,000.01 to $40,000 2.970 3.000 n/a
IRA (Traditional/Education/Roth) $40,000.01 and Over 3.210 3.250 n/a

*APY = Annual Percentage Yield
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Rates effective as of October 1, 2008.  Rates are subject to change without notice. Rates are variable and may change after the account is opened. Fees could reduce earnings.

Money Market  Dividend Rate APY* Term
Money Market Account $25 to $5,000 1.980 2.000 n/a
Money Market Account $5,000.01 to $20,000 2.080 2.100 n/a
Money Market Account $20,000.01 to $30,000 2.325 2.350 n/a
Money Market Account $30,000.01 to $50,000 2.520 2.550 n/a
Money Market Account $50,000.01 and Over 2.720 2.750 n/a

*APY = Annual Percentage Yield
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Rates effective as of November 19, 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 

2.620

2.650

6
Share Certificates Minimum Balance $1,000 2.920

2.950

12
Share Certificates Minimum Balance $ 1,000       PROMOTION RATE 3.310

3.350

15
Share Certificates Minimum Balance $1,000 3.020 3.050 18
Share Certificates Minimum Balance $1,000 3.310

3.350

24
Share Certificates Minimum Balance $1,000 3.750

3.800

36
Share Certificates Minimum Balance $1,000 4.040

4.100

48
Share Certificates "Jumbo" Minimum Balance $50,000  2.670

2.700

6
Share Certificates "Jumbo" Minimum Balance $50,000 2.970

3.000

12

Share Certificates "Jumbo" Minimum Balance $ 50,000       PROMOTION RATE

3.360 3.400 15
Share Certificates "Jumbo" Minimum Balance $50,000   

3.060

3.100

18
Share Certificates "Jumbo" Minimum Balance $50,000

3.360

3.400 

24

Share Certificates "Jumbo" Minimum Balance $50,000

3.795

3.850

36
Share Certificates "Jumbo" Minimum Balance $50,000 4.090

4.150

48
Traditional IRA Certificate Rates Minimum Balance $1,000 2.970

3.000

12
Traditional IRA Certificate Rates Minimum Balance $1,000 3.360 3.400 24
Traditional IRA Certificate Rates Minimum Balance $1,000 3.795

3.850

36
Traditional IRA Certificate Rates Minimum Balance $1,000 4.090

4.150

48
Roth Certificates Minimum Balance $1,000 2.970

3.000

12
Roth Certificates Minimum Balance $1,000

3.360

3.400

24
Roth Certificates Minimum Balance $1,000

3.795

3.850

36
Roth Certificates Minimum Balance $1,000

4.090

 4.150

48

*APY = Annual Percentage Yield
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