Rate Board

LOAN RATES

*Discount rates are available with purchase of payment protection or collateral protection when available.

TYPE	MAX LOAN	MAX TERM	ANNUAL PERCENTAGE RATE STANDARD PREFERRED³
Signature	$10,000	48 months	10.49%	9.99% *
Signature	$10,000	36 months	9.49%	8.99% *
Vacation/Christmas	$1,200	12 months	8.99%	8.49%
AAA Loan¹	$15,000	60 months	8.49%	7.99% *
Revolving	$5,000	36 months	8.99%	8.99%
Overdraft	$500	24 months	9.99%	9.99%

HOME EQUITY	$100,000	180 months	4.79%	4.49% *
		120 months	4.54%	4.24% *
		60 months	4.39%	3.99% *
If the Home Equity is the first lien on the property, reduce your rate by 0.25%

MOTOR VEHICLE New and Used	90% of price²	72 months	3.99%	3.49% *
	100% of price²	60 months	3.49%	2.99% *
	100% of price²	48 months	3.30%	2.80% *
	100% of price²	36 monhs	3.10%	2.60% *
For terms 60 months and below and a minimum 10% down, reduce your rate by .15%

BOAT New and Used	90% of price²	120 months	6.49%	5.99% *
BOAT New and Used	100% of price²	60 months	5.49%	4.99% *

RECREATIONAL VEHICLE / TRAVEL TRAILER
New and Used	90% of price²	120 months	6.49%	5.99% *
New and Used	90% of price²	60 months	5.49%	4.99% *

MOTOR CYCLE, MOPED, SCOOTER
New	80% of price²	48 months	5.70%	5.20% *
Used	NADA Wholesale	48 months	6.05%	5.55% *

SHARE SECURED		Variable	2.50% above earned rate
CERTIFICATE SECURED		CD Maturity	2.00% above earned rate

COMPUTER, SMALL MACHINES
	80%	36 months	6.49%	5.99% *

OTHER SECURED	90%	60 months	6.49%	5.99% *

¹ Additional conditions apply. See your loan officer for details.

²Selling price on New includes tax, title, and license. Loan amount may not exceed NADA Retail Value on used. Maximum term on used may vary. Vahicle may not be more than seven years old to qualify.

³Preferred Rates offered to members with at least three of the following services active on their account:

Certificate of Deposit, Holiday Club, Checking, Money Market, IRA, MasterCard, and loan advances $5,000 or more funded in previous 12 months, Overdraft Protection or Line of Credit, auto draft for loan payment

Rates effective December 1, 2011
Rates subject to change without notice.

Deposit & Saving Rates

Savings Rates Effective January 1, 2012
	TERM	RATE	A.P.Y.^*
Share Account (Suffix 00/01) Declared Dividends for 2^nd Quarter 2011	Under $100	0.00%	0.00%
	$100 and above	0.20%	0.20%

IRA Savings Account (Suffix 02/03)	N/A	0.45%	0.45%

Holiday Club (Suffix 05)	N/A	0.30%	0.30%

Money Market Account (Suffix 07)	Under $2,000	0.00%	0.00%
	$2,000 to 24,999	0.24%	0.24%
	$25,000 to 49,999	0.40%	0.40%
	$50,000 to 99,999	0.48%	0.48%
	$100,000 and above	0.55%	0.55%

Share Draft Account (Suffix 80) (account no longer offered)	Under $1,500	0.00%	0.00%
Share Draft Account (Suffix 80) (account no longer offered)	$1,500 and above	0.10%	0.10%
Share Draft Advantage Account (Suffix 81)		N/A	N/A
Share Draft eSaver Account (Suffix 82)		N/A	N/A
Share Draft Check Plus Account (Suffix 83)	Under $1,500	0.00%	0.00%
Share Draft Check Plus Account (Suffix 83)	$1,500 and above	0.10%	0.10%
Share Draft Unlimited Account (Suffix 84)	Under $1,500	0.00%	0.00%
Share Draft Unlimited Account (Suffix 84)	$1,500 and above	0.10%	0.10%

Share Certificates Effective January 25, 2012
	TERM	RATE	A.P.Y.^*
Minimum Deposit $1,000	3 Months	0.24%	0.24%
No Jumbo Rates Available	6 Months	0.32%	0.32%
	12 Months	0.45%	0.45%
	24 Months	0.65%	0.65%
	36 Months	0.85%	0.85%
	48 Months	1.11%	1.11%
	60 Months	1.26%	1.27%

* All rate expressed as Annual Percentage Yield (A.P.Y.)
Rates are subject to change without notice
Please call our office for the most current rates

TCCU Rate & Fee Schedule

FEES APPLIED TO ALL ACCOUNTS
1. NSF Fee (per item funds not in account at time of processing)	$27.00
2. Return Items written to or deposited at TCCU	$27.00
2. Return Items written to or deposited at TCCU	$20.00 (Two Party)
3. Stop Payment	$20.00
4. Stop Payment Teller check after 90 days	$20.00
5. ACH – Manual Posting	$2.00 per item
6. Outgoing Wire Domestic	$15.00
7. Outgoing Wire Out of Country	$40.00
8. Incoming Wire	$5.00
9. Account Reconciliation Fee	$20.00/hr (1hr minimum)
10. Account Research	$20.00/hr (1hr minimum)
11. Levy/Attachment Fee	$50.00 per instrument
12. Subrogation Fee	$20.00 per instrument
13. To Cash a Payroll Check or Third Party Check Balance Below $300 and Non-User of TCCU Services	$1.00 or 1.0% (whichever is higher)
14. Phone Assistance (transactions that can be done on CAL) (Exceptions made for members over 62 or impaired)	$1.00 per call
15. Statement Copy or Current Statement	$4.00 per month
16. Transaction History Print Out	$4.00 per month
17. Returned Statements	$2.00 per statement
18. Teller Checks	$3.00 (after first free one per day)
19. Money Orders	$1.50 each
Money Orders Golden Account	$0.75 each
20. Travelers checks (Singles)	$1.00 per 100 (unless Golden Account)
21. Verification of Deposit	$10.00
22. Overdraft fee for ACH/EFT transfers	$5.00
23. Non Member Cashier Check	$5.00
24. Collections Item Fee	$10.00
25. Gift Card	$3.00
26. Early Termination CD Original Term less than 12 months	1 month dividend
27. Early Termination CD Original Term 12 to 36 months	3 month dividend
28. Early Termination CD Original Term greater than 36 months	6 month dividend (Effective November 1, 2011)*
29. Closing Christmas Club early	1 month dividend
30. Special Mailing Request (Federal Express, UPS, etc.)	$35.00
31. Check Cashing Fee (non-member)	$2.00 (checks under $75.00) $5.00 (checks $75.00 and over)

Share Savings Account Fees
1. Membership one time fee	$5.00
2. Closing Account Fee if Less than(180) Days	$10.00
3. Dormant Accounts 18 months, no loans, CD’s, balance below $100	$5.00 per month
4. No Address or Bad Address 90 days	$5.00 per month
5. Escheat Notice Mailing Fee (accounts over $25)	$5.00 per letter

Money Market Account Fees
1. Minimum Opening Deposit	$2,000.00
2. Monthly Service Charge Daily Balance Below $2,000	$10.00
3. Over six drafts or ACH/EFT processed during the month	$10.00 per item

Share Draft Account Fees
1. Minimum Opening Deposit	$50.00
2. Overdraft Transfer	$5.00
3. Monthly Service Charge (80 Suffix) Below $500.00 Daily Minimum	$5.00 (this account no longer offered)
4. Monthly Service Charge - eSaver Account	$3.00
5. Monthly Service Charge - Check Plus Account	$6.00
6. Monthly Service Charge - Unlimited Account	$8.00
7. Copy of Draft	$5.00
8. Copy of Teller Check	$15.00
9. Check Printing Fee	Varies by style ordered
10. Check Clearing	$0.25 per item on select accounts
11. Temporary Checks after initial opening	$0.25 per check
12. Overdraft Loan Transfer	$10.00
13. ACH Return on Closed Checking	$10.00 per item
14. Courtesy Pay Overdraft Fee	$27.00
15. No E Statement on -90 Checking	$1.00 per month
16. Paper Statement Mailing	$1.00 per month on Advantage and eSaver Accounts
17. Online Bill Pay	Free or $1.99 per month if inactive 60 days

ATM/Debit Card Fees
1. NSF Fees	$27.00
2. MasterCard Debit (replacement card)	$10.00
3. Overdraft Transfer	$5.00
4. Withdrawal Fees for non TCCU machines	$2.00 per withdrawal
5. Point of Sale	$0.10 per withdrawal on select accounts
6. Inquiry or Transfer for non TCCU machines	$2.00 per inquiry
7. Internet PIN Reset	$12.00
8. Sales Draft Copy	$25.00

MasterCard Fees
1. Temporary Increase Fee	$15.00
2. New Card	$10.00
3. Late Fee	$20.00
4. Over Limit Fee	$15.00
5. Foreign Exchange Fee	1.0% of transaction amount
6. Phone Payment	$10.00

Safe Deposit Box Fees
1. 5 x 3 x 21	$18.00 per year ($9.00 for Golden Accounts)
2. 10 x 3 x 21	$30.00 per year ($15.00 for Golden Accounts)
3. 10 x 5 x 21	$40.00 per year ($20.00 for Goldent Accounts)
4. 10 x 10 x 21	$50.00 per year ($25.00 for Golden Accounts)
5. Drilling of Safe Deposit Box	$200.00 or actual
6. Key Replacement Letter	$5.00
7. Key Replacement	$20.00

Loan Fees
1. Filing Fees (Title, UCC1)	$50.00
2. Home Equity Fees (Recording)	$200.00
3. Written Payoff Fee	$5.00
4. Release of Lien Fee	$20.00
5. Subordination Agreement	$50.00

* New Fee or Fee Increase

All fees are applicable to accounts in good standing. Fees could reduce principal balance and earning of deposits.
Approved by Board of Directors 5/17/2011

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