Loan Rates

Apply for a Loan
Rates as of 03/28/08
Rate Description
Amount Financed
Term APR
New Vehicle
(2006-2008)
100% of purchase price up to 72 months 6.20%-13.45%
Used Vehicle
(2003-2005)
NADA Retail up to 60 months 7.10%-14.35%
Used Vehicle
(2002-Older)
NADA Retail
up to 24 months 7.25%-14.50%
Used Vehicle
(2002-Older)
NADA Retail up to 36 months 7.50%-14.75%
Used Vehicle
(2002-Older)
NADA Retail up to 48 months 7.75%-15.00%
Recreational Vehicles
(Includes Motor Homes, Campers, Boats, Mobile Homes, Motorcycles, ATV, Snowmobiles, Watercraft)
$200 - $5000 up to 36 months 7.75%-15.00%
$5001 - $8000
up to 60 months 7.75%-15.00%
$8001 - $12,000
up to 84 months 8.00%-15.25%
$12,001 - $16,000
up to 96 months 8.50%-15.75%
$16,001 - $20,000
up to 120 months 9.00%-13.50%
$20,001 - over up to 144 months 9.50%-14.00%
Share Secured Loan N/A up to 36 months 4.50%
CD Secured N/A Term of CD 1.50%-3.00% over CD Rate
Signature
$200 - $1000 up to 12 months 11.00%-16.25%
$1001 - $3000 up to 24 months 11.00%-16.25%
$3001 - $5000 up to 36 months 11.00%-16.25%
$5001-$7500 up to 48 months 11.00%-16.25%
$7501- $10,000 up to 60 months 11.00%-16.25%
Overdraft Protection N/A N/A 13.25%-16.25%
Home Equity
(1st Position)
N/A 20 years (5year balloon) 6.25%
Home Equity
(2nd Position)
N/A 20 years (5year balloon) 6.75%

A member may get 0.25% reduction on their APR for each of the following products which they use at Turtle Creek Federal Credit Union:
  • Share Draft Account
  • Payroll Deduction or Direct Deposit
  • Auto Loan Renewal
  • Share Certificate or IRA

Savings/Shares Rates

Rates as of 03/28/08
Rate Description MIN DEPOSIT APR APY
Savings/Shares $25 1.00% 1.00%

Certificates

Rates as of 03/28/2008
Rate Description MIN DEPOSIT APR APY
6 Month $500 - $9,999 1.87% 1.89%
6 Month $10,000 - $49,999 2.06% 2.08%
6 Month $50,000 - UP 2.25% 2.27%
12 Month $500 - $9,999 2.07% 2.09%
12 Month $10,000 - $49,999 2.26% 2.28%
12 Month $50,000 - UP 2.45% 2.48%
24 month $1,000 - $9,999 2.33% 2.36%
24 month $10,000 - $49,999 2.52% 2.55%
24 month $50,000 - UP 2.70% 2.73%

IRAs

Rates as of 03/28/2008
Rate Description MIN DEPOSIT APR APY
IRA $500.00 2.70% 2.74%

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