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| 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 Vehicles |
24 Months |
4.90% |
| 36 Months |
4.90% |
| 48 Months |
4.90% |
| 60 Months |
4.90% |
| 72-84 Months** |
4.90% |
| *APR=Annual Percentage Rate. Rate based on individual credit worthiness. |
| **72-84 Based on Credit Rating |
| Payment Example: $1,000.00 financed @ 4.90% APR for 12 months equals $85.60 per month. |
| Type |
Term |
APR* as low as |
| Used Vehicles |
24 Months |
4.90% |
| 36 Months |
4.90% |
| 48 Months |
4.90% |
| 60-84 Months |
4.90% |
| *APR=Annual Percentage Rate. Rate based on individual credit worthiness. |
| Payment Example: Ex: $1,000.00 financed @ 4.9% APR for 12 months equals $85.60 per month. |
| Type |
Term |
APR* as low as |
| Line of Credit Signature |
Revolving |
9.00% |
| *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% |
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*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
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| 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% |
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*APR=Annual Percentage Rate. Rate based on individual credit worthiness
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| Type* |
Term |
APR** |
| Mini Mortgage |
Up to 10 Years |
as low as 5.25%
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| 1st Mortgage |
Up to 15 Years |
as low as 4.00% |
| 1st Mortgage |
16 to 20 Years |
as low as 4.25% |
| 1st Mortgage |
21 to 30 Years |
as low as 4.50% |
| 2nd Mortgage |
1 to 5 Years |
9.00% |
| 2nd Mortgage |
6 to 10 Years |
9.50% |
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**APR=Annual Percentage Rate
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| Type |
Term |
APR** |
| Share Secured Loan |
Up to 60 Months |
2.00% above dividend rate
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| **APR=Annual Percentage Rate, based on current dividend rates |
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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
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| **APR=Annual Percentage Rate, based on current dividend rates |
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Payment Example: ex: $1,000.00 financed @ 8.00% APR for 12 months equals $87.04 per month.
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Savings Rate Effective Date: December 31, 2011 - 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.
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| Balance |
Dividend Rate |
APY* |
| $0.01 - $9,999,999.99 |
0.35% |
0.35% |
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*APY=Annual Percentage Yield
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Share IRA Rates Effective Date: December 31, 2011 - 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.
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| Balance |
Dividend Rate |
APY* |
| $0.01 - and up |
1.00% |
1.00%
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Checking Rate Effective Date: December 31, 2011 - 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.
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| Balance |
Dividend Rate |
APY* |
| $0.01 - and up |
0.35% |
0.35%
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Money Market Checking Rate Effective Date: December 31, 2011 - 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.
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| Balance Dividend Rate APY* |
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.01- $9,999.99 0.35% 0.35%
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| $10,000 - and up |
.75%
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.75%
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Share Certificate and IRA Certificates Effective Date: September 1, 2011. 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.
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| Term |
Dividend Rate |
APY* |
| 6 Months |
.75% |
.75% |
| 12 Months |
1.00% |
1.00% |
| 24 Months |
1.25% |
1.26% |
| 36 Months |
1.50% |
1.51% |
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*APY=Annual Percentage Yield
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