|
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 |
0 |
6.939 |
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 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 |
| 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. |
|
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 |
|
