Loans

**Rate Effective as of 10/1/2012**

Rates *WAC*: (with approved credit) and WE WILL MATCH COMPETITOR'S RATE "WAC"

LET US HELP YOU LOWER YOUR RATE: We will also give you a 1.00% reduction, with proof of certificate, when member has successfully completed "Credit When Credit Is Due" course for D and R scores, first loan only.

Protect Your Credit: Telco Federal Credit Union does offer Credit Disability and Credit Life Insurances for all who qualify. We also offer Extended Warranties and Gap Insurance on Cars, Light Trucks, Motorcycles, ATV's, Personal Watercrafts, and Snowmobiles, Motor homes, Boats, and 5th Wheels. Ask your loan officer for the cost of these insurances.

All Rates are subject to change without notice .
Rates are Annual Percentage Rates.
Single Pay notes will be increased by 3.00% above regular rates (unless secured by shares or certificates).

Ask Today: Be sure to ask your loan officer about current promotional rates!

New and Nearly New Autos 2013 & 2012

Credit Rating

A+

A

B

C

D

R

730 - Above

680 - 729

679-640

639-600

550-599

549 - Below

24 Months

2.25%

2.50%

2.75%

4.00%

15.99%

18.00%

36 Months

2.35%

2.60%

2.85%

4.10%

15.99%

18.00%

48 Months

2.55%

2.80%

3.05%

4.30%

15.99%

18.00%

60 Months

2.65%

2.90%

3.15%

4.40%

15.99%

18.00%

66 Months

2.99%

3.24%

3.49%

4.74%

15.99%

18.00%

*72 Months ($20,000 or higher)

2.99%

3.24%

3.49%

4.74%

15.99%

18.00%

**84 Months ($25,000 or higher)

4.99%

5.24%

5.49%

6.74%

15.99%

18.00%

*Min Amt Fin $20,000 Up to 100% financing (MSRP/NADA Retail)

** Min Amt Fin $25,000

Used Autos 2011, 2010, & 2009

Credit Rating

A+

A

B

C

D

R

730 Above

680 - 729

679-640

639-600

550-599

549 and Below

24 Months

2.50%

2.75%

3.00%

4.25%

16.49%

18.00%

36 Months

2.60%

2.85%

3.10%

4.35%

16.49%

18.00%

48 Months

2.84%

3.09%

3.34%

4.59%

16.49%

18.00%

60 Months

2.84%

3.09%

3.34%

4.59%

16.49%

18.00%

Any vehicles with over 100,000 miles max term of 36 months Up to 100% financing (NADA Retail)

2011 and 2010 Only

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

66 Months

3.20%

3.45%

3.70%

4.95%

16.49%

18.00%

*72 Months ($20,000 or Higher)

3.30%

3.55%

3.80%

5.05%

16.49%

18.00%

Any vehicles with over 100,000 miles max term of 36 months Up to 100% financing (NADA Retail)

*Min Amt Fin $20,000

2009 Only

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

66 Months

3.30%

3.55%

3.80%

5.05%

16.49%

18.00%

*72 Months ($20,000 or Higher)

3.45%

3.70%

3.95%

5.20%

16.49%

18.00%

Any vehicles with over 100,000 miles max term of 36 months Up to 100% financing (NADA Retail)

*Min Amt Fin $20,000

2008 and 2007

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

24 Months

3.00%

3.25%

3.50%

4.75%

16.49%

18.00%

36 Months

3.15%

3.40%

3.65%

4.90%

16.49%

18.00%

48 Months

3.35%

3.60%

3.85%

5.10%

16.49%

18.00%

60 Months

3.35%

3.60%

3.85%

5.10%

16.49%

18.00%

Any vehicles with over 100,000 miles max term of 36 months Up to 100% financing (NADA Retail)

2006 Only

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

48 Months

3.99%

4.24%

4.49%

5.74%

16.49%

18.00%

60 Months

4.15%

4.40%

4.65%

5.90%

16.49%

18.00%

Any vehicles with over 100,000 miles max term of 36 months Up to 100% financing (NADA Retail)

2005 and 2004

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

48 Months

4.99%

5.24%

5.49%

6.74%

16.49%

18.00%

Any vehicles with over 100,000 miles max term of 36 months Up to 100% financing (NADA Retail)

2003 - 1994

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

36 Months

6.99%

7.24%

7.49%

8.74%

16.49%

18.00%

Any vehicles with over 100,000 miles max term of 36 months Up to 100% financing (NADA Retail)

Classic Cars (1992 and Older)

Credit Rating

A+

A

B

C

D

R

730 - Above

680 - 729

679-640

639-600

550-599

549 - Below

60 Months

6.99%

7.24%

7.49%

8.74%

16.49%

18.00%

80% of Appraised or NADA Value

New and Used Motor Homes, Campers, Travel Trailers, 5th Wheels, Boats, Horse and Utility Trailers

(excludes personal watercraft)

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

36 Months To $2,999

5.99%

6.24%

6.49%

7.74%

16.49%

18.00%

60 Months   $3,000 to 4,999

5.99%

6.24%

6.49%

7.74%

16.49%

18.00%

84 Months   $5,000 -   $9,999

5.49%

5.74%

5.99%

7.24%

16.49%

18.00%

96 Months   $10,000 - $14,999

5.94%

6.19%

6.44%

7.69%

16.49%

18.00%

120 Months $15,000 - $24,999

5.99%

6.24%

6.49%

7.74%

16.49%

18.00%

144 Month   $25,000 & Over

6.75%

7.00%

7.25%

8.50%

16.49%

18.00%

Up to 100% financing (NADA Retail/MSRP)

Snowmobiles, All Terrain Vehicles, and Personal Watercraft

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

New Current Year 66 Months ($17,000 & up)

7.29%

7.54%

7.79%

9.04%

18.00%

18.00%

New Current Year 60 Months ($7,000 & up)

5.29%

5.54%

5.79%

7.04%

16.49%

18.00%

New Current Year 48 Months
4.29%

4.54%

4.79%

6.04%

16.49%

18.00%

Used-2008-2012 60 Months ($15,000 & up)

7.04%

7.29%

7.54%

8.79%

18.00%

18.00%

Used-2008-2012 48 Months ($7,000 and up)

6.04%

6.29%

6.54%

7.79%

18.00%

18.00%

Used- 2008-2012 36 Months

5.04%

5.29%

5.54%

6.79%

16.49%

18.00%

Used- 2007 and Older 24 Months

6.29%

6.54%

6.79%

8.04%

16.49%

18.00%

Up to 100% financing (NADA Retail/MSRP)

New and Used Motorcycles

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

24 Months   To   $2,499

5.99%

6.24%

6.49%

7.74%

16.49%

18.00%

36 Months    $2,500 - $4,900

5.99%

6.24%

6.49%

7.74%

16.49%

18.00%

48 Months    $5,000-$9,999

5.99%

6.24%

6.49%

7.74%

16.49%

18.00%

60 Months    $10,000 to 14,999

3.79%

4.04%

4.29%

5.54%

16.49%

18.00%

72 Months    $15,000 to 19,999

5.19%

5.44%

5.69%

6.94%

16.49%

18.00%

**84 Months $20,000 & Over

5.29%

5.54%

5.79%

7.04%

16.49%

18.00%

Up to 100% financing (NADA Retail/MSRP)

Personal

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

Personal Loans (Up to 60 Months)

9.90%

10.15%

11.15%

12.15%

18.00%

18.00%

Other (Computer Equipment, Riding Lawn Mowers, Hot Tub, Ect.) Must be New

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

24 Months To $1,999

9.90%

10.15%

10.40%

10.90%

18.00%

18.00%

36 Months $2,000 & Over

9.90%

10.15%

10.40%

10.90%

18.00%

18.00%

**Up to 100% financing appraised value or purchase price**

Government Contract

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

90 Days Maximum

10.25%

10.75%

13.25%

15.25%

18.00%

18.00%

Share Secured

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

60 Months (Share Acct)

6.50%

6.50%

6.50%

6.50%

6.50%

6.50%

12 Month Single Pay

3.00% above current share rate

Share Certificate (matures with certificate)

3.00% above current certificate rate

Cash Express

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

Maximum $2,500

12.00%

12.00%

12.00%

12.00%

12.00%

12.00%

Overdraft Protection

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

Maximum $1,000

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

Visa Credit Card

Credit Rating

A+

A

B

C

D

R

730 - Above

680 -729

679-640

639-600

550-599

549 - Below

9.90%

9.90%

12.90%

15.90%

17.90%

17.90%

Secondary Market (Fixed or Adjustable)

Credit Rating

A+

A

B

C

D

R

730 - Above

660 - 729

659 - 620

ASK MORTGAGE DEPARTMENT FOR CURRENT RATE & TERMS

Real Estate (Home Equity)

Credit Rating

A+

A

B

C

D

R

730 - Above

680 - 729

679 - 640

639 - 600

1.25% over prime rate - variable rate

2005 Only

Credit Rating

A+

A

B

C

D

R

730 - Above

680-729

679-640

639-600

550-599

549 - Below

48 Months

3.99%

4.24%

4.49%

5.74%

16.49%

18.00%

60 Months

4.15%

4.40%

4.65%

5.90%

16.49%

18.00%