|
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 |
Rates effective as of 01/01/2010
*APR = Annual Percentage Rate Example New Auto Loan payment - Based on $20,000.00 @ 7.00% for 72 Months = $340.98
| Loans |
Term
|
APR*
|
| 100% Share Secured |
60 Months |
(Div. +3) 3.75% |
| 75% Share Secured |
36 Months |
(Div. +5) 5.75% |
| 50% Share Secured |
36 Months |
(Div. +6) 6.75% |
| 25% Share Secured |
36 Months |
(Div. +7.5) 8.25% |
| Personal - up to $5,000 |
36 Months |
9.90% - 12.90% |
| Vehicles |
36 Months |
4.49% - 12.90% |
| |
48 Months |
4.74% - 8.24% |
| |
60 Months |
5.49% - 8.74% |
| |
72 Months |
5.99% - 8.99% |
| |
84 Months |
6.49% - 9.49% |
| Maximum repayment terms |
New & Used (2008 - 2011) |
84 Months |
4.49% - 9.49% |
| |
Used 2004 - 2007 |
60 Months |
4.99% - 8.74% |
| |
Used 2000 - 2003 |
36 Months |
8.74% - 11.74% |
| |
10+ Years Old Autos |
36 Months |
9.90% - 12.90% |
| Second Mortgage (80% LTV Max) |
|
6.25% - 10.50 % |
| *Qualifying rates based on credit score. Discounts applied for payroll deduction (excluding share secured and mortgage loans). |
| First Mortgage (when funds available) |
Call for quote |
| Visa (25 day min grace period, no annual fee) |
n/a |
12.90% |
| Savings Tiers: |
Minimum Balance |
Dividend Rate** $100 min. to earn dividend
|
APY* |
|
Share Savings $100 - $499.99
|
$5.00 |
0.25% |
0.25% |
|
$500 - $4,999.99
|
|
0.50% |
0.50% |
|
$5,000 and up
|
|
0.75% |
0.75% |
|
Share Draft (checking) $100 - $499.99
|
None |
0.10% |
0.10% |
|
$500 - $4,999.99
|
|
0.15% |
0.15% |
|
$5,000 and up
|
|
0.25% |
0.25% |
| Christmas Club |
None |
0.75% |
0.75% |
| Club I (Special Share Account) $100 - $499.99 |
None |
0.25% |
0.25% |
|
$500 - $4,999.99
|
|
0.50% |
0.50% |
|
$5,000 and up
|
|
0.75% |
0.75% |
| Club II (Vacation Club) |
None |
0.75% |
0.75% |
*APY = Annual Percentage Yield **Dividend Rate paid on accounts on record as of 12/31/2009**
| Certificate Rates As of 02/01/2010** |
Minimum Deposit
|
Dividend Rate
|
Term
|
APY*
|
| 6 Month |
$1,000.00
|
0.90%
|
6 Months
|
0.90%
|
| One Year |
$1,000.00
|
1.15%
|
12 Months
|
1.16%
|
| Two Year |
$1,000.00
|
0.00%
|
24 Months
|
0.00%
|
| Three Year |
$1,000.00
|
0.00%
|
36 Months
|
0.00%
|
| Four Year |
$1,000.00
|
0.00%
|
48 Months
|
0.00%
|
| Five Year |
$1,000.00
|
0.00%
|
60 Months
|
0.00%
|
| **TDEFCU is not offering 2-5 year certificates at this time; please call 857-2699 for more information. |
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*ANNUAL PERCENTAGE YIELD (APY). The dividend rate and APY were accurate as of the effective date above. Penalties for early withdrawal of certificates may apply. Rates are subject to change without notice. |
