Rates
Telcoe Federal Credit Union offers competitive rates.
Choose a Product
Certificate of Deposit -Special Offering
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Dividends and Rates are effective as of 5/5/25 and subject to change at any time. See Account Disclosures.
| Account | APY | Dividend Rate |
|---|---|---|
| 12 Month CD Special | 4.05% | 3.98% |
Ask about other specials as well. All deposit rates are variable and subject to change at any time. Certificate specials are for a limited time. Minimum certificate opening balance is $1000. Specials are non-renewable. Note: special offers are not available on new money deposits, these are special rates reserved for money already on deposit with Telcoe as of last statement cycle.
Deposit Accounts-Golden Plus Checking & Club Savings Accounts
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Dividends and Rates are effective as of 06/30/25 and subject to change at any time. See Account Disclosures.
| Account | APY | Dividend Rate |
|---|---|---|
| Golden Plus Checking $1,500 and up | 0.05% | 0.05% |
| Club Account (Vacation, Emergency, You Name It, etc) | 0.35% | 0.35% |
| Christmas Club Account (on the balance up to $1,000) | 5.25% | 5.125% |
| Christmas Club Account (on the balance over $1,000)* | 2.79%-5.25% | 0.10% |
All deposit rates are variable and subject to change at any time.
*Christmas club is a tiered rate. Disclosed APY range is based on a balance of $2,000 in the account. Larger balances would reduce total APY. This is paid quarterly.
Market Investor Checking
| Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $2,499 | 0.10% | 0.10% |
| $2,500 - $9,999 | 0.10% | 0.10% |
| $10,000 & Up | 0.10% | 0.10% |
All deposit rates are variable and subject to change at any time. The Market Investor Checking is a true split rate.
Prime Savings Account
| Balance | APY | Dividend Rate |
|---|---|---|
| $5.00 - $500 | 0.10% | 0.10% |
| $501 - $49,999 | 0.45% | 0.45% |
| $50,000 & Up | 0.45% | 0.45% |
All deposit rates are variable and subject to change at any time.
Money Market Quarter Plus Account
| Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $2,499 | 1.61% | 1.60% |
| $2,500 - $9,999 | 1.61% - 2.30% | 2.50% |
| $10,000 - $49,999 | 2.30% - 3.14% | 3.30% |
| $50,000 - $99,999 | 3.14% - 3.30% | 3.40% |
| $100,000 - $499,999 | 3.30% - 3.50% | 3.50% |
| $500,000 & Up | 3.50% - 3.58% | 3.55% |
All deposit rates are variable and subject to change at any time. Rates are a split rate. Only the funds that comprise each tier will earn the disclosed rate for that tier.
Health Savings Account
| Balance | APY | Dividend Rate |
|---|---|---|
| $0.00 - $2,499 | 0.10% | 0.10% |
| $2,500 - $9,999 | 0.10% | 0.10% |
| $10,000 & Up | 0.10% | 0.10% |
All deposit rates are variable and subject to change at any time.
Youth Savings Account
| Balance | APY | Dividend Rate |
|---|---|---|
| $5.00 - $500 | 0.10% | 0.10% |
| $501 - $49,999 | 0.35% | 0.35% |
| $50,000 & Up | 0.35% | 0.35% |
All deposit rates are variable and subject to change at any time. Every April, Telcoe offers special rates on YOUTH certificates of deposit. Learn more.
IRA Variable Share Account
| Balance | APY | Dividend Rate |
|---|---|---|
| $2,500 - $9,999 | 1.51% | 1.50% |
| $10,000 - $49,999 | 2.78% | 2.75% |
| $50,000 - $99,999 | 3.35% | 3.30% |
| $100,000 - $499,999 | 3.45% | 3.40% |
| $500,000 & Up | 3.56% | 3.50% |
All deposit rates are variable and subject to change at any time.
Share Certificates of Deposit & IRA Certificates of Deposit
| Duration | Minimum Deposit | APY | Dividend Rate |
|---|---|---|---|
| 182 Days | $1,000 | 1.30% | 1.29% |
| 1 Year | $1,000 | 1.85% | 1.83% |
| 2 Year | $1,000 | 2.20% | 2.18% |
| 3 Year | $1,000 | 2.30% | 2.28% |
| 4 Year | $1,000 | 2.60% | 2.57% |
| 5 Year | $1,000 | 2.90% | 2.86% |
| 2 Year Educ. IRA | $1,000 | 0.95% | 0.95% |
| 3 Year Educ. IRA | $1,000 | 1.00% | 1.00% |
| 4 Year Educ. IRA | $1,000 | 1.15% | 1.14% |
| 5 Year Educ. IRA | $1,000 | 1.65% | 1.64% |
Penalty for early withdrawal, please see disclosures. Rates quoted as of 1-13-2023 and subject to change anytime.
| Type | APR | Amount | Turnaround Time | Terms |
|---|---|---|---|---|
| Signature | As low as 8.25% | $200 to $6,000 | same day when credit allows | up to 30 months |
| Credit Builder | As low as 15.00% | $500 or $1,000 | up to 72 hours | up to 24 months |
| Vacation | As low as 11.99% | $500 to $2,500 | same day when credit allows | up to 12 months |
| Christmas | As low as 11.99% | $500 to $2,000 | same day when credit allows | up to 12 months |
| Share Savings Secured | As low as 3.00% | Determined by Collateral | up to 24 hours | up to 36 months |
| FHA Title 1 Home Improvement | As low as 7.15% | same day when credit & property allows | up to 180 months |
| Type | APR | Collateral | hOW FAST | Mileage | Terms |
|---|---|---|---|---|---|
| Pre-Approval | Please call us for current rates. | New Or Used | 1 hour | Contact Us | 24 to 84 Months |
| New Auto | As low as 4.90% on 24 m | 2025 or newer | 1 hour | 10,000 or less | up to 84 month terms Rates based on term selected. |
| Used Auto | As low as 4.24 % on 36 m | 2020 or newer | 1 hour | 80,000 or less | 24 to 60 months Rates based on term selected. |
| Refinance | As low as 4.24 % on 24 m | 2020 or newer | 24 - 72 hours | 80,000 or less | 24 to 72 months Rates based on term selected & year made |
Recreational Vehicles
| Type | APR | Turnaround Time | Terms |
|---|---|---|---|
| Boat | Please call us for current rates | up to 24 hours | up to 120 months |
| Recreational Vehicle | As low as 7.34% | up to 24 hours | up to 120 months |
| Motorcycle | As low as 8.74% | up to 24 hours | up to 60 months |
| Term | Rate |
|---|---|
| Conventional 30-year | Contact the credit union for current rates.
Most competitive. |
| Conventional 15-year | Contact the credit union for current rates.
Fast & Friendly Service. |
| FHA 30-year | Contact the credit union for current rates.
Step by step assistance. |
| FHA 15-year | Contact the credit union for current rates.
Over 40 years experience among staff. |
| Primary Home Construction |
Contact the credit union for current rates.
|
| Home Equity Loans |
Rates as low as 7.24 APR |
When requesting rate also compare Telcoe's closing cost. Please contact our Mortgage Loan Department for current rates and loan specials. (501) 375-5321 or 1 (800) 482-9009.
| Type | APR | Annual Fee |
|---|---|---|
| Mastercard® Prime | 11.74% - 17.99% | No Annual Fee |
| Mastercard® Secured | 17.99% | No Annual Fee |
| Legacy Mastercard® | As low as 12.96% | No Annual Fee |
| Legacy Mastercard® Premium | As low as 9.25% | No Annual Fee |
Rates shown are Annual Percentage Rates (APR). Rates are variable and subject to change at any time. Loan terms available may vary depending on amount borrowed the length of contract, credit history, and payment method. All loans are subject to approval. Regular terms and conditions apply. Telcoe Federal Credit Union is an Equal Opportunity Lender.
Rates shown are Annual Percentage Rates (APR).
Mastercard rates are variable and subject to change at any time.
Loan terms available may vary depending on amount borrowed the length of contract, credit history, and payment method. All loans are subject to approval. Regular terms and conditions apply. Telcoe Federal Credit Union is an Equal Opportunity Lender.