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Loan Rates
| Loan Special |
| Effective Date: July 25, 2008 |
| Loan Special | APR as low as* | Approximate Term |
| Secured Loan Special |
5.75% |
60 months |
| *For qualified buyers only. Repayment term for vehicles is based on model year and amount of the loan. APR includes a .25% reduction for qualified transfer payment with direct deposit. Loans cannot be used to refinance existing loans at T&C Federal Credit Union. Equity is determined by 80% of home value less any existing mortgage balances. No annual fees apply. |
| Auto Loans |
| Effective Date: July 25, 2008 |
| Model Year | APR as low as* | Approximate Term |
| New Untitled |
6.99% |
84 months |
| 2008 - 2007 |
5.89% |
72 months |
| 2006 - 2005 |
5.89% |
60 months |
| 2004 - older |
5.89% |
48 months |
| New Untitled |
5.89% |
12 month balloon |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. |
| Recreational Vehicles/Boats |
| Effective Date: July 25, 2008 |
| Model Year | Loan Amount | APR as low as* | Approximate Term |
| 2008-2006 |
$0.00 - $9,999 |
6.49% |
60 months |
| 2008-2006 |
$10,000 - $19,999 |
6.49% |
84 months |
| 2008-2006 |
$20,000 - $29,999 |
6.49% |
120 months |
| 2008-2006 |
$30,000 - $49,999 |
6.49% |
Amortized up to 144 months with balloon payment |
| 2008-2006 |
$50,000 - up |
6.49% |
Amortized up to 180 months with balloon payment |
| 2005-2004 |
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7.00% |
120 months |
| 2003-2001 |
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7.00% |
84 months |
| 2000-older |
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7.00% |
60 months |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. Down payment may be required. |
| Leisure Vehicles |
| Effective Date: July 25, 2008 |
| (Personal Watercraft, Snowmobiles, ATVs, Motorcycles) |
| Model Year | APR as low as* | Approximate Term |
| New (Untitled) |
6.74% |
60 months |
| Used |
7.74% |
60 months |
| Used |
6.74% |
48 months |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. Down payment may be required. |
| Quick Cash |
| Effective Date: July 25, 2008 |
| Personal Line of Credit |
| APR as low as* | Maximum APR | Approximate Term |
| 11.25% |
18.00% |
Variable Rate |
| *Rates may vary depending upon credit qualifications, payment protection package, and transfer payment with direct deposit. |
| Platinum Visa |
| Effective Date: July 25, 2008 |
| Terms | Conditions |
| Annual Percentage Rate for Purchases |
As Low As 9.90% * |
| Variable Rate Information |
Non-Applicable |
| Balance Calculation Method |
Average Daily Balance (Including New Purchases) |
| Grace Period for Repayment of Balances for Purchases |
You have a grace period of at least 28 days from the end of the statement closing date to pay your new balance before being charged a finance charge. |
| Late Payment Fee |
$25.00 |
| Minimum Finance Charge |
None |
| Membership Fee |
None |
| Transaction Fee for Purchases |
None |
| Transaction Fee for Cash Advances |
None |
| Over-Limit Fee |
$25.00 Charged at Billing |
| *Rates may vary depending upon credit qualifications. |
| Signature Loan |
| Effective Date: July 25, 2008 |
| APR as low as* | Approximate Term |
| 11.75% |
48 months |
| *Rates and terms may vary depending upon credit qualifications, payment protection package, and transfer payment with direct deposit. |
| Overdraft Loan |
| Effective Date: July 25, 2008 |
| Line of credit overdrafts to your checking account. |
| APR as low as* |
| 11.75% |
| *Rates may vary depending upon credit qualifications, payment protection package, and transfer payment with direct deposit. |
| Home Equity Line of Credit |
| Effective Date: July 25, 2008 |
| Variable Rate |
| Loan to Value | APR as low as* | Maximum APR |
| 80.00% |
5.00% |
18.00% |
| 85.00% |
5.00% |
18.00% |
| Rates may vary based on credit qualifications. |
| Home Equity - Fixed Term |
| Effective Date: July 25, 2008 |
| Loan to Value | APR as low as* | Approximate Term |
| 80.00% |
6.20% |
180 months |
| 85.00% |
6.70% |
180 months |
| *Rates and terms may vary depending upon credit qualifications. |
| Quick Equity - Fixed Term |
| Effective Date: July 25, 2008 |
| Loan to Value | APR as low as* | Approximate Term |
| 80.00% |
6.99% |
60 months |
| 85.00% |
5.99% |
60 months |
| *Rates and terms may vary depending upon credit qualifications and transfer payment with direct deposit. |
| Harley Davidson |
| Effective Date: July 25, 2008 |
| Minimum loan amount of $10,000 |
| Model Year | APR as low as* | Approximate Term |
| 2008 - 2007 |
7.75% |
66 - 108 months |
| Used |
8.75% |
84 months |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. |
| Vehicle and Motorcycle Special |
| Effective Date: July 25, 2008 |
| Model Year | APR as low as* | Maximum Term |
| 2008 - 2007 |
4.99% |
60 months |
| New, untitled 2008 and 2007 vehicles and motorcycles. |
| *APR = Annual Percentage Rate, subject to change without prior notice. For qualified buyers only. Repayment term for vehicle is based on model year and amount of the loan. Maximum repayment term will be 60 months. This loan cannot be used to refinance an existing T&C loan. |
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