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.
Certificate Accounts (penalties may or may not apply).
Certificate of Deposit
Minimum Deposit
Interest Paid
APY
DIVIDEND RATE
Dividend Rate
3rd Thursday Special-funds already on deposit
$1000
Monthly
18 months @ 2.30% APY
18 months @ 2.274% APR
182 Day
$1000
Monthly
1.31% APY
1.30% APR
1 Year
$1000
Monthly
1.56% APY
1.55% APR
2 Year
$1000
Monthly
2.27% APY
2.25% APR
3 Year
$1000
Monthly
2.53% APY
2.50% APR
4 Year
$1000
Monthly
3.00% APY
2.96% APR
5 Year
$1000
Monthly
3.00% APY
2.96% APR
IRA Certificate Account
Regular and Roth/Education IRAs (Penalties may or may not apply to early withdrawal) 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
1.31% APY
1.30% APR
1 Year
$1000
Monthly
1.56% APY
1.55% APR
2 Year
$1000
Monthly
2.27% APY
2.25% APR
3 Year
$1000
Monthly
2.53% APY
2.50% APR
4 Year
$1000
Monthly
3.00% APY
2.96% APR
5 Year
$1000
Monthly
3.00% APY
2.96% APR
2 Year Educ. IRA
$1000
Monthly
2.27% APY
2.25% APR
3 Year Educ. IRA
$1000
Monthly
2.53% APY
2.50% APR
IRA Variable Share Account
$2,500 - $14,999
0.75%APY
0.75% DIVIDEND RATE
$15,000 - $49,999
1.56% APY
1.55% DIVIDEND RATE
$50,000 - 99,999
2.02% APY
2.00% DIVIDEND RATE
$100,000 & Up
2.17% APY
2.15% DIVIDEND RATE
Dividends as of 12/31/09
Share Draft Checking
CALL FOR RATES
Loan Rates
Collateral Loans
APR
Terms
Signature
6.75%-18.00%
12-30Months
Stock Loan
8.25%-13.50%
24-72 Months
Unimproved Property
10.75%
12 Year Maximum
FHA Title 1
6.99%-9.55%
36-180 Months
Home Equity Loan
4.99%-9.75%
3-10 Yrs
New / Used Vehicles
3.09%-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.
We do business in accordance
with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, an agency of the federal government.
