Rates Effective 09/01/2010 (rates may be changed without notice)
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Rates Effective 09/01/2010 (rates may be changed without notice) |
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New, Used, and Refinanced Cars and Trucks
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| Up to 24 Months | 3.20% APR |
| Up to 36 Months | 3.20% APR |
| Up to 48 Months | 3.20% APR |
| Up to 60 Months
90% Up to 60 Months 100% |
3.25% APR 3.50% APR |
| Up to 72 Months (new only) 90% | 3.75% APR |
| New, Used, and Refinanced Boats (Maximum NADA value only) | |
| 100% up to 60 Months | 4.00% APR |
| Up to 90% of Sales Price, 61 to 120 months | 4.75% APR |
| New, Used, and Refinanced Recreation Vehicles/Travel Trailers* | |
| (Maximum NADA value only) | |
| Up to 90% of Sales Price, and up to 60 Months | 4.50% APR |
| 61 to 120 months | 5.00% APR |
| New, Used, and Refinanced Motorcycles (Maximum NADA value only) | |
| Up to 80% of Sales Price, and up to 48 Months (new only) | 5.20% APR |
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Up to used NADA wholesale, and up to 48 Months |
5.55% APR |
| Computers/Small Machines | |
| Up to 80% of Sales Price, and up to 36 Months | 5.35% APR |
| Shared Secured | |
| 100% Variable Rate | 2.50% APR (above earned rate) |
| CD Secured Loans | |
| 100% Variable Rate/Certif. Maturity |
2.00% APR (above earned rate) |
| Signature Loans | |
| Up to $5000.00, and up to 36 Months | 9.00% 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 | 7.00% APR |
| Overdraft loan maximum up to $500.00, and up to 24 Months | 10.00% 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 | 4.35% APR |
| Up to $100,000.00, and up to 120 Months | 4.50% APR |
| Up to $100,000.00, and up to 180 Months | 4.75% 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 | $20.00effective03/01/2010 |
| 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 |
| 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 | $1.25 effective 02/01/2010 |
| Money Orders-For Golden Accounts/over 55 (New Fee) | $0.60 effective 04/01/2009 |
| 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 |
| Verification fee for Mortgage Co. Etc | $7.00 |
| Overdraft fee for ACH/EFT transfers | $5.00 effective 02/01/2010 |
| Non Members Cashiers Check | $3.00 |
| Dormant Accounts-18 months bal less than $100.00, No Loans, MasterCard or Cd's (New Fee) | $5.00 per month |
| No Address or Bad Address 90 days (New Fee) effective 06/01/08 | $5.00 per month |
| Check Cashing Fee (non-member) effective 07/01/2010 | $2.00 (checks under $75.00) / $5.00 (checks over $75.00) |
| No E-Statement on -90 checking effective 08/01/2010 | $1.00 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 |
| Escheat notice mailing fee (accounts over $25) effective 08/01/2010 | $5.00 per letter |
| 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 |
| Stop Pay Teller Check after 90 days | $20.00 |
| Overdraft Transfer | $5.00 effective 02/01/2010 |
| Courtesy Pay Overdraft Fee (new service 12/01/06) | $25.00 |
| Monthly Service Charge below $500.00 daily minimum | $5.00 |
| Copy of Draft | $5.00 effective 02/01/2010 |
| 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 effective 02/01/2010 |
| 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 08/06/2010 Rates may change without notice. | |
| 3 Months | 0.60% 0.61% APY |
| 6 Months | 0.75% 0.76% APY |
| 12 Months | 1.00% 1.01% APY |
| 24 Months | 1.15% 1.16% APY |
| 36 Months | 1.65% 1.66% APY |
| DIVIDENDS-Projected Dividends declared quarterly. Rates may change without notice. | |
| IRA | |
| Projected 1.26% APY | 1.25% |
| Shares Projected .36% APY (Balance over $100.00-Paid at end of Quarter) | .35% |
| Holiday Club Account 1.51% APY (Effective 12/1/2009) | 1.50% |
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*If holiday account is closed early, account can not be re-opened within the same calendar year. |
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| Money Market-Tiered Accounts (Paid Monthly) | |
| $2,000.00-$24,999.00 Projected .71% APY | .70% |
| $25,000.00-$74,999.00 Projected .96% APY | .95% |
| $75,000.00 and above Projected 1.06% APY | 1.05% |
| Paid Monthly (Minimum Balance of $200.00) | |
| Free Sharedraft Account | 0.00% |
| Sharedraft | |
| Projected .15% APY | .15% |
| 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 |
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Fees apply to members in good standing |
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Rates are expressed as an annual percentage rate (APR) and are subject to change without notice. Fees could reduce the earnings deposit accounts. |
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