Rates
Loan Rates - Membership in Total Choice Federal Credit Union (TCFCU) is a requirement to be eligible for all products, services and special offers.  One time membership fee of $5.00 to open a TCFCU Savings/Share Accounts.  Credit Application fee of $5.00 applies to Vehicle, Open- End, and Closed End Loans. 
Type Term APR* as low as

New Autos/Trucks

24 Months 1.99%
36 Months 1.99%
48-60 Months 1.99%
61-72 Months 2.24%
73-84 Months** 2.49%

 

Recreational Vehicle rates as low as 4.90% APR. Call a loan officer for current Recreational Vehicle rates. *APR=Annual Percentage Rate. Rate based on individual credit worthiness.

**73-84 Based on Credit Rating     

Payment Example: $1,000.00 financed @1.99% APR for 12 months equals $84.23 per month.
Type Term APR* as low as
Used Autos/Trucks 24 Months 1.99%
36 Months 1.99%
48-60 Months 1.99%
61-72 Months 2.24%

 

Recreational Vehicle rates as low as 4.90% APR. Call a loan officer for current Recreational Vehicle rates. *APR=Annual Percentage Rate.  Rate based on individual credit worthiness.

Payment Example: Ex: $1,000.00 financed @ 1.99% APR for 12 months equals $84.23 per month.

 

Type Term APR* as low as
     
*APR=Annual Percentage Rate.  Rate based on individual credit worthiness.
Payment Example: ex:  $1,000.00 financed @ 9.00% APR for 12 months equals $87.48 per month.
Type Term APR* as low as
Closed End Signature Up to 60 Months 8.00%

*APR=Annual Percentage Rate.  Rate based on individual credit worthiness  Payment Example: ex:  $1,000.00 financed @ 8.00% APR for 12 months equals $87.04 per month

  


Type Term APR* as low as
Visa Gold Revolving  6.90%
Visa Classic Revolving 13.90%
College Student Visa Revolving  9.50%
Secured Visa Revolving   7.90%

Click here for additional information regarding repayment terms and fees

*APR=Annual Percentage Rate.  Rate based on individual credit worthines. This information is accurate as of 12/1/12.

 
Type* Term APR**
Mini Mortgage Call for Terms 

Call for Current Rates 

1st Mortgage Call for Terms Call for Current Rates
2nd Mortgage Call for Terms  Call for Current Rates

**APR=Annual Percentage Rate

 
Type Term APR**
Share Secured Loan  Up to 60 Months

2.00% above dividend rate 

**APR=Annual Percentage Rate, based on current dividend rates

Payment Example: ex:  $1,000.00 financed @ 8.00% APR for 12 months equals $87.04 per month.

Type Term APR**
Certificate Secured Loan  Up to 60 Months

1.00% above dividend rate 

**APR=Annual Percentage Rate, based on current dividend rates

Payment Example: ex:  $1,000.00 financed @ 8.00% APR for 12 months equals $87.04 per month.

Savings Rate Effective Date:  March 31, 2014 - All rates subject to change without notice.  Contact the Credit Union for the most current rate and account information.  Dormant Account Fees could reduce the earnings on the account.  (Dormant Account Fees are accessed after one year of non activity.) Membership in Total Choice Federal Credit Union (TCFCU) is a requirement to be eligible for all products, services and special offers.  One time membership fee of $5.00 to open a TCFCU Savings/Share Accounts. 

Balance Dividend Rate APY*
$0.01 - $9,999,999.99 0.05% 0.05%
     
     

 

*APY=Annual Percentage Yield 

Share IRA Rates Effective Date:  March 31, 2014 - All rates subject to change without notice.  Contact the Credit Union for the most current rate and account information.  Minimum opening balance required is $250.

Balance                                                         Dividend Rate APY*
$0.01 - and up                                                         0.15%

0.15%

 

 

 

Checking Rate Effective Date:  March 31, 2014 - All rates subject to change without notice.  Contact the Credit Union for the most current rate and account information.   Monthly Checking Account Fees and Overdraft Charges could reduce the earnings on this account.  Minimum opening balance required is $50.

Balance                                                         Dividend Rate APY*
$0.01 - and up                                                         0.05%

0.05%

 

Money Market Checking Rate Effective Date: March 31, 2014 - All rates subject to change without notice.  Contact the Credit Union for the most current rate and account information.  Minimum opening balance required is $10,000.  Dividends are only paid on the 1st of each  month and are based on the average daily balance.  There are no penalties for early withdrawal.  Monthly Checking Account Fees and Overdraft Charges could reduce the earnings on this account. 

Balance                                                                            Dividend Rate                                        APY*    

.01- $9,999.99                                                                  0.05%                                                     0.05%

 

 

$10,000 - and up                                                              0.15%                                                     0.15%    
     
     

Share Certificate  and IRA Certificates  Effective Date: March 1, 2014  Minimum $250 on IRA certificates.  Minimum $1000 Share Certificates)  Note:  Early withdrawal penalties do apply to Certificates.  Rates subject to change; Call the credit union for most current rates.  

Term Dividend Rate APY*
6 Months  0.25% 0.25%
12 Months  0.45% 0.45%
24 Months  0.75% 0.75%
36 Months  1.00% 1.00%
     

*APY=Annual Percentage Yield

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