Loan Rates

Apply for a Loan
Rates as of 1/22/2010
Rate Description
Amount Financed
Term APR
New Vehicle
(2008-2010)
100% of purchase price up to 72 months 5.60%-12.85%
Used Vehicle
(2005-2007)
NADA Retail up to 60 months 6.50%-13.75%
Used Vehicle
(2004-Older)
NADA Retail
up to 24 months 6.65%-13.90%
Used Vehicle
(2004-Older)
NADA Retail up to 36 months 6.90%-14.15%
Used Vehicle
(2004-Older)
NADA Retail up to 48 months 7.15%-14.40%
Recreational Vehicles
(Includes Motor Homes, Campers, Boats, Mobile Homes, Motorcycles, ATV, Snowmobiles, Watercraft)
$200 - $5000 up to 36 months 7.15%-14.40%
$5001 - $8000
up to 60 months 7.15%14.40%
$8001 - $12,000
up to 84 months 7.40%-14.65%
$12,001 - $16,000
up to 96 months 7.90%-15.15%
$16,001 - $20,000
up to 120 months 8.40%-12.90%
$20,001 - over up to 144 months 8.90%-13.40%
Share Secured Loan N/A up to 36 months 4.50%
CD Secured N/A Term of CD 3.00% over CD Rate
Signature
$200 - $1000 up to 12 months 10.40%-15.65%
$1001 - $3000 up to 24 months 10.40%-15.65%
$3001 - $5000 up to 36 months 10.40%-15.65%
$5001-$7500 up to 48 months 10.40%-15.65%
$7501- $10,000 up to 60 months 10.40%-15.65%
Overdraft Protection N/A N/A 12.65%-15.65%
Home Equity
(1st Position)
N/A 20 years (5year balloon) 5.15%
Home Equity
(2nd Position)
N/A 20 years (5year balloon) 5.65%

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 1/22/2010
Rate Description MIN DEPOSIT APR APY
Savings/Shares $25 0.25% 0.25%

Certificates

Rates as of 1/22/2010
Rate Description MIN DEPOSIT APR APY
6 Month $500 - $9,999 1.39% 1.39%-1.40%
6 Month $10,000 - $49,999 1.58% 1.58%-1.59%
6 Month $50,000 - UP 1.77% 1.77%-1.78%
12 Month $500 - $9,999 1.49% 1.49%-1.50%
12 Month $10,000 - $49,999 1.68% 1.68%-1.69%
12 Month $50,000 - UP 1.88% 1.88%-1.90%
24 month $1,000 - $9,999 1.61% 1.61%-1.62%
24 month $10,000 - $49,999 1.80% 1.80%-1.82%
24 month $50,000 - UP 2.08% 2.08%-2.10%

IRAs

Rates as of 1/22/2009
Rate Description MIN DEPOSIT APR APY
IRA $500.00 1.80% 1.82%

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