Rates Effective 03/19/2008 (rates may be changed without notice)


New, Used, and Refinanced Cars and Trucks  
  Up to 24 Months 4.70% APR
  Up to 36 Months 4.70% APR
  Up to 48 Months 4.70% APR
  Up to 60 Months  90%

  Up to 60 Months 100%

4.80% APR

4.95% APR

  Up to 72 Months (new only) 90% 5.00% APR
  
New, Used, and Refinanced Boats (Maximum NADA value only)  
100% up to 60 Months 5.20% APR
 Up to 90% of Sales Price, 61 to 120 months 5.70% APR
New, Used, and Refinanced Recreation Vehicles/Travel Trailers*  
(Maximum NADA value only)
  Up to 90% of Sales Price, and up to 60 Months 5.20% APR
                                              61 to 120 months 5.70% APR
New, Used, and Refinanced Motorcycles (Maximum NADA value only)  
  Up to 80% of Sales Price, and up to 48 Months (new only) 5.85% APR

  Up to used NADA wholesale, and up to 48 Months

6.10% APR
  
Computers/Small Machines  
  Up to 80% of Sales Price, and up to 36 Months 5.35% APR
  
Shared Secured/CD Secured Loans  
  100% Variable rate 3.00% (above earned rate) APR
  
Signature Loans  
  Up to $5000.00, and up to 36 Months 9.25% APR
  Plus One account maximum up to $5000.00, and up to 36 Months*** 7.75% APR
  Vacation loan maximum up to $1200.00, and up to 12 Months 8.50% APR
  AAA loan maximum up to $10000.00, and up to 60 Months 7.50% APR
  Revolving credit maximum up to $5000.00, and up to 36 Months 8.10% APR
  Overdraft loan maximum up to $500.00, and up to 24 Months 10.00% APR
  Student loan total $12,000.00, and up to 60 Months 9.00% APR
   
   
  Must have one of the following services, CD's, Sharedraft, or MasterCard with excellent credit***  
  
Home Equity  
  Up to $100,000.00, and up to 60 Months 5.00% APR
  Up to $100,000.00, and up to 120 Months 5.25% APR
  Up to $100,000.00, and up to 180 Months 5.45% APR
  No closing fees, title policy requires for loans of $30,000.00 or more.**  
 **Some Conditions May Apply  
   
  
MasterCard
  Percentage 12.90% APR
  Temporary Increase Fee $15.00
  New Card $10.00
  Late Fee $15.00
  Over Limit Fee $15.00
  
Fee Applicable To All Accounts  
  Return items written to or deposited to TCCU (personal) $25.00
  Return items written to or deposited to TCCU (two party) $20.00 effective 03/03/08
  Outgoing Wire Domestic

  Outgoing Wire International

  Incoming Wire

$15.00 Domestic

$40.00 Out of Country

$5.00

  Account Reconciliation Fee (per HR. with a 1 Hr. Minimum) $20.00
  Account Research (per HR. with a 1 Hr. Minimum) $20.00
  Levy/Attachment Fee/Garnishment (per instrument) $50.00
  To cash A payroll check or Third Party Check $1.00 or 1% OR
     A. Matching Funds in your Share Account
     B. No less than $300.00 on deposit from previous day
     C. MasterCard or Open Loans
     D. Checking account or CD's
  Statement Copy or Current Statement (per page) $2.00
  Statements over Six (6) Months old (per page) $3.00
  History Transaction print out (per page) $2.00
  On-line check (after first one that day, per check) $2.00
  Money Orders $1.00
  Money Orders-For Golden Accounts/over 55 (New Fee) $0.25 effective 06/01/2008
  Travelers checks (singles, fee do not apply if a Golden Account member) $1.00 per $100
  Travelers checks for two $1.50 per $100
  Return Statement Fee $2.00 effective 03/03/08
  Verification fee for Mortgage Co. Etc $7.00
  Overdraft fee for ACH/EFT transfers $3.00
  Non Members Cashiers Check $3.00
  Dormant Accounts-18 months bal less than $100.00, No Loans, MasterCard or     Cd's (New Fee)   effective 06/01/08 $5.00 per month
  No Address or Bad Address 90 days (New Fee) effective 06/01/08  $5.00 per month
   
Share Savings Account  
  Closing Account Fee if less than one hundred and eighty days(180) $10.00
  Membership one time fee $5.00
  
Money Market Account  
  Over 3 drafts or 3 cash withdrawals processed during a month (per item) $5.00
  
Free Sharedraft Account  
Monthly Service Charge $0
Sharedraft Account  
  NSF Fee (per item if funds not in account at time of processing) $25.00
  Stop Payment $20.00 effective 03/03/08
  Stop Pay Teller Check after 90 days $20.00 effective 03/03/08
  Overdraft Transfer $3.00
  Courtesy Pay Overdraft Fee (new service 12/01/06) $25.00
  Monthly Service Charge below $500.00 daily minimum $5.00
  Copy of Draft  $10.00
  Check printing fee varies by style ordered
  Temporary checks after initial opening (per check) .25
  Overdraft loan fee  $10.00
Teller Check copy Effective Feb. 15, 2006 (new fee)$15.00
ATM Fees  
 NSF fees $25.00
 Replacement card $10.00
 Overdraft fee $5.00
 Withdrawal fees for non TCCU machines (per withdrawal) $1.00
  Point of sale (per withdrawal) $1.00
  Inquiry or transfer for non TCCU machines (per withdrawal) $1.00
Point of Sale Fee effective July 1, 2005 .10
CD Rates effective 03/19/2008  
  3 Months 2.40%  2.43% APY
  6 Months 2.70%  2.74% APY
 12 Months 2.75%  2.79% APY
 24 Months 2.55%  2.58% APY
36 Months 2.90%  2.94% APY
   
IRA  (Effective 10/01/2007)
  Projected 1.76% APY 1.75%
Shares Projected .51% APY  (Paid at end of Quarter) .50%
Christmas Club Account 2.02% APY 2.00%
Money Market      (Paid Monthly)  
  Projected 2.22% APY 2.20%
Paid Monthly (Minimum Balance of $2000.00)  
   
  Free Sharedraft Account  0.00%
  Sharedraft  
  Projected  .25% APY .25%
  Daily Balance over $1500.00  Paid Monthly .25%
LOAN FEES : Filling Fees (Title , UCC1)

Home Equity Fees or Home Improvement (Recording)

$50.00

$200.00

Safe Deposit Box Prices

Drilling of Safe Deposit Box   $95.00 minimum or actual charges

Key Replacement Letter         $5.00

As noted
 5x3x21(per year)         $18.00
 10x3x21(per year)       $30.00
 10x5x21(per year)       $40.00
 10x10x21(per year)    $50.00

   Fees apply to members in good standing

 

Rates are expressed as an annual percentage rate (APR) and are subject to change without notice. Fees could reduce the earnings deposit accounts.