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Below are rates for Telcoe Federal Credit Union. Click on the links provided below to jump to the section of your interest. Rates are set by the board of directors along with authorization of management to raise or lower as the federal discount rates rise and fall. Penalties may apply for early withdrawal of funds from term accounts. Rates subject to change without prior notice. Rates and terms may differ depending on credit history.

Click Here for a list of Telcoe Fees.
Click Here for our Truth in Lending Disclosure.

Prime Savings Accounts · Quarter Plus Accounts · Club Accounts · Certificate Accounts · IRA Certificate Accounts
IRA Variable Accounts · Share Draft Accounts · Loan Rates · Credit Card Rates

Dividend Rates
Account
Annual Percentage Yield
Dividend Rate
Prime Savings Account
$5.00 - $500
.25% APY
.25% DIVIDEND RATE
$501 To $14,999
0.85% APY
0.85% DIVIDEND RATE
$15,000 & Up
0.85% APY
0.85% DIVIDEND RATE
Dividends as of 6/30/08
Quarter Plus Account
$2,500 - $9,999
2.02% APY
2.00% DIVIDEND RATE
$10,000 - $49,999
2.58% APY
2.55% DIVIDEND RATE
$50,000 - $99,999
3.03% APY
2.99% DIVIDEND RATE
$100,000 & UP
3.44% APY
3.39% DIVIDEND RATE
Dividends as of 7/31/08
BALANCES UNDER $2,500 CLOSED 1ST OF EA. MONTH
Club Account
  
.50% APY
.50% DIVIDEND RATE
Dividends as of 6/3008 
Certificate Accounts (penalties may or may not apply).
Certificate of Deposit Minimum Deposit Interest Paid APY DIVIDEND RATE
DIVIDEND RATE
3RD THURSDAY SPECIAL-CALL FOR RATE QUOTE
182 Day
$1000
Monthly
2.785% APY
2.75% APR
1 Year
$1000
Monthly
3.02% APY
2.98% APR
2 Year
$1000
Monthly
3.00% APY
2.96% APR
3 Year
$1000
Monthly
3.25% APY
3.20% APR
4 Year
$1000
Monthly
3.30% APY
3.25% APR
5 Year
$1000
Monthly
4.01% APY
3.94% APR
IRA Certificate Account
Regular and Roth/Education IRAs (Penalities may or may not apply to early withdrawl) terms Under 12 Months = 90 Days of Interest / Over 12 Months = 180 Days of Interest)
IRA Certificates Minimum Deposit Interest Paid APY
182 Days
$1000
Monthly
2.785% APY
2.75% APR
1 Year
$1000
Monthly
3.02% APY
2.98% APR
2 Year
$1000
Monthly
3.00% APY
2.96% APR
3 Year
$1000
Monthly
3.25% APY
3.20% APR
4 Year
$1000
Monthly
3.30% APY
3.25% APR
5 Year
$1000
Monthly
4.01% APY
3.94% APR
2 Year Educ. IRA
$1000
Monthly
3.00% APY
2.96% APR
3 Year Educ. IRA
$1000
Monthly
3.25% APY
3.20% APR
IRA Variable Share Account
$2,500 - $14,999
1.00%APY
1.00% DIVIDEND RATE
$15,000 - $49,999
1.76% APY
1.75% DIVIDEND RATE
$50,000 - 99,999
2.37% APY
2.35% DIVIDEND RATE
$100,000 & Up
3.02% APY
2.99% DIVIDEND RATE
Dividends as of 6/30/08
Share Draft Checking
CALL FOR RATES
Loan Rates
Collateral Loans
APR
Terms
Signature
 7.95%-18.00%
 12-30Months
Line of Credit
 12.95%
 weekly, semi-monthly, or monthly payments
Stock Loan
 8.25%-13.50%
 24-144 Months
Unimproved Property
 10.75%
 12 Year Maximum
FHA Title 1
 5.99%-10.00%
 36-180 Months
Home Equity Loan
 4.75%-9.50%
 3-10 Yrs
New / Used Vehicles
 3.25%-13.00%
 24-72 months
New / Used Motorcycle
 9.25-10.00%
 Up to 48 months
New Boat
 7.95%-8.50%
 54-84 months
Used Boat
 9.25-10.25%
 30-54 months
New Motor Homes - SC Campers
 7.95-9.25%
 60-120 months
Used Motor Homes - SC Campers
 8.45-9.95%
 60-120 months
Credit Builder Loan
 12.00%
 12-24 Months
Mortgage Loans
There is a 1.000% origination fee on all loan programs. Rates quoted are for loans amounts $50,000 and above.
Call 501-375-5321, for quotes on loans under $50,000. 45 day lock-in on all programs quoted. Rates are subject to change at any time.
Term
Rate
Points
Conventional 30-year
 Contact the credit union for current rates.
 0.000%
Conventional 30-year
 Contact the credit union for current rates.
 0.750%
Conventional 15-year
 Contact the credit union for current rates.
 0.000%
Conventional 15-year
 Contact the credit union for current rates.
 0.750%
Sample Annual Percentage Rate (APR)
 
 
FHA 30-year
 Contact the credit union for current rates.
 0%
FHA 30-year
 Contact the credit union for current rates.
 0.750%
Sample Annual Percentage Rate (APR)
 
 
FHA 15-year
 Contact the credit union for current rates.
 0%
FHA 15-year
 Contact the credit union for current rates.
 0%
Sample Annual Percentage Rate (APR)
 
 
Credit Cards link to our disclosures
MasterCard
12.96% APR
No Annual Fee
Premium MasterCard
9.90% APR
No Annual Fee
APR = Annual Percentage Rate  

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© Copyright 2008 Telcoe Federal Credit Union

 
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, an agency of the federal government.