|
|
Rates *WAC*: (with approved credit) and WE WILL MATCH COMPETITOR'S RATE "WAC" 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 MRC (Mechanical Repair Coverage) and Gap Insurance on Cars, Light Trucks, Motorcycles, ATV's, Personal Watercrafts, and Snowmobiles, Motor homes, Boats, 5th Wheels and Extended Warranties for autos and trucks. Ask your loan officer for the cost of these insurances.
Loan Example: "A six year, $20,000 loan with an APR of 12% would require 72 monthly payments of $391.01."
Ask Today: Be sure to ask your loan officer about current promotional rates!
**Rates are effective as of 03/11/2011**
**All rates are subject to change without notice**
**All Rates are in Annual Percentage Rate**
**Promotional Rates are Marked in Blue** ie: 0.00%**
|
Automobiles (2011, 2010, 2009)*100*,*MIN*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 24 Months
|
3.19%*
|
3.69%*
|
6.19%*
|
8.19%*
|
18.00%*
|
18.00%*
|
|
25 - 36 Months
|
3.49%*
|
3.99%*
|
6.49%*
|
8.49%*
|
18.00%*
|
18.00%*
|
|
37 - 48 Months
|
3.89%*
|
4.39%*
|
6.89%*
|
8.89%*
|
18.00%*
|
18.00%*
|
|
49 - 60 Months
|
3.99%*
|
4.49%*
|
6.99%*
|
8.99%*
|
18.00%*
|
18.00%*
|
|
61 - 72 Months ($20,000 or higher)(*M30*)
|
4.49%*
|
4.99%*
|
7.49%*
|
9.49%*
|
18.00%*
|
18.00%*
|
|
73 - 84 Months ($25,000 or highter*)
|
5.69%*
|
6.19%*
|
8.69%*
|
10.69%*
|
18.00%*
|
18.00%*
|
|
Automobiles 100*,*MAX)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months
|
2001 & Older
|
7.99%*
|
8.49%*
|
10.99*
|
12.99%*
|
18.00%*
|
18.00%*
|
|
Up to 48 Months
|
2002-2004
|
6.29%*
|
6.79%*
|
9.29%*
|
11.29%*
|
18.00%*
|
18.00%*
|
|
Up to 24 Months
|
2005-2008
|
4.29%*
|
4.79%*
|
7.29%*
|
9.29%*
|
18.00%*
|
18.00%*
|
|
25 - 36 Months
|
4.39%*
|
4.89%*
|
7.39%*
|
9.39%*
|
18.00%*
|
18.00%*
|
|
37 - 48 Months
|
4.49%
|
4.99%*
|
7.49%*
|
9.49%*
|
18.00%*
|
18.00%*
|
|
49 - 60 Months
|
4.99%*
|
5.49%*
|
7.99%*
|
9.99%*
|
18.00%*
|
18.00%*
|
|
Classic Cars (1990 and older) (*80*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 60 Months
|
7.40%*
|
7.90%*
|
10.40%*
|
12.40%*
|
18.00%*
|
18.00%*
|
|
Cash Express (*NEB*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Maximum $2,500
|
12.00%*
|
12.00%*
|
12.00%*
|
12.00%*
|
12.00%*
|
12.00%*
|
|
Government Contracts
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Maximum of 90 Days
|
10.25%*
|
10.75%*
|
13.25%*
|
15.25%*
|
18.00%*
|
18.00%*
|
|
New Motor Homes, Travel Trailers, 5th Wheels, Campers and Boats, Horse & Utility Trlrs 2009 and Newer (*100*)
|
|
|
(Excludes Personal Watercraft)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
8.50%*
|
9.00%*
|
11.50%*
|
13.50%*
|
18.00%*
|
18.00%*
|
|
37 – 60 Months $5,000 - $7,999
|
7.50%*
|
8.00%*
|
10.50%*
|
12.50%*
|
18.00%*
|
18.00%*
|
|
61 – 84 Months $8,000 - $11,999
|
6.50%*
|
7.00%*
|
9.50%*
|
11.50%*
|
18.00%*
|
18.00%*
|
|
85 – 96 Months $12,000 - $15,999
|
6.75%*
|
7.25%*
|
9.75%*
|
11.75%*
|
18.00%*
|
18.00%*
|
|
97 – 120 Months $16,000 - $19,999
|
8.25%*
|
8.75%*
|
11.25%*
|
13.25%*
|
18.00%*
|
18.00%*
|
|
121 – 144 Months $20,000 and Up
|
8.25%*
|
8.75%*
|
11.25%*
|
13.25%*
|
18.00%*
|
18.00%*
|
|
Used Motor Homes, Travel Trailers, 5th Wheels, Campers and Boats, Horse & Utility Trlrs (2008 and Older) (*100*)
|
|
|
(Excludes Personal Watercraft)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
8.50%*
|
9.00%*
|
11.50%*
|
13.50%*
|
18.00%*
|
18.00%*
|
|
37 – 60 Months $5,000 - $7,999
|
7.50%*
|
8.00%*
|
10.50%*
|
12.50%*
|
18.00%*
|
18.00%*
|
|
61 – 84 Months $8,000 - $11,999
|
6.50%*
|
7.00%*
|
9.50%*
|
11.50%*
|
18.00%*
|
18.00%*
|
|
85 – 96 Months $12,000 - $15,999
|
6.75%*
|
7.25%*
|
9.75%*
|
11.75%*
|
18.00%*
|
18.00%*
|
|
97 – 120 Months $16,000 - $19,999
|
8.25%*
|
8.75%*
|
11.25%*
|
13.25%*
|
18.00%*
|
18.00%*
|
|
121 – 144 Months $20,000 and Up
|
8.25%*
|
8.75%*
|
11.25%*
|
13.25%*
|
18.00%*
|
18.00%*
|
|
Motorcycles New (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
6.35%*
|
6.85%*
|
9.35%*
|
11.35%*
|
18.00%*
|
18.00%*
|
|
37 – 48 Months $5,000 - $9,999
|
6.10%*
|
6.60%*
|
9.10%*
|
11.10%*
|
18.00%*
|
18.00%*
|
|
49 – 60 Months $10,000 - $19,999
|
5.95%*
|
6.45%*
|
8.95%*
|
10.95%*
|
18.00%*
|
18.00%*
|
|
61 – 72 Months $20,000 and Up
|
6.15%*
|
6.65%*
|
9.15%*
|
11.15%*
|
18.00%*
|
18.00%*
|
|
Up to 84 Months $25,000 and Up
|
6.25%*
|
6.75%*
|
9.25%*
|
11.25%*
|
18.00%*
|
18.00%*
|
|
Motorcycles Used (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
6.35%*
|
6.85%*
|
9.35%*
|
11.35%*
|
18.00%*
|
18.00%*
|
|
37 – 48 Months $5,000 - $9,999
|
6.10%*
|
6.60%*
|
9.10%*
|
11.10%*
|
18.00%*
|
18.00%*
|
|
49 – 60 Months $10,000 - $19,999
|
5.95%*
|
6.45%*
|
8.95%*
|
10.95%*
|
18.00%*
|
18.00%*
|
|
61 – 72 Months $20,000 and Up
|
6.15%*
|
6.65%*
|
9.15%*
|
11.15%*
|
18.00%*
|
18.00%*
|
|
Other (Computer Equipment, Stereo Systems, etc…) (*APP*)
|
|
|
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months
|
10.25%*
|
10.75%*
|
13.25%*
|
15.25%*
|
18.00%*
|
18.00%*
|
|
37- 60 Months
|
10.50%*
|
11.00%*
|
13.50%*
|
15.50%*
|
18.00%*
|
18.00%*
|
|
Overdraft Protection (*NEB*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Maximum $1000
|
15.00%*
|
15.00%*
|
15.00%*
|
15.00%*
|
15.00%*
|
15.00%*
|
|
Personal/Unsecured
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months ($300 to $4000)
|
10.75%*
|
11.25%*
|
13.75%*
|
15.75%*
|
18.00%*
|
18.00%*
|
|
37 - 60 Months ($4000+)
|
10.75%*
|
11.25%*
|
13.75%*
|
15.75%*
|
18.00%*
|
18.00%*
|
|
Watercraft, Snowmobiles (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 48 Months
|
New Current Year
|
6.45%*
|
6.95%*
|
9.45%*
|
11.45%*
|
18.00%*
|
18.00%*
|
|
Up to 36 Months
|
used 1-5 years
|
7.25%*
|
7.75%*
|
10.25%*
|
12.25%*
|
18.00%*
|
18.00%*
|
|
Up to 24 Months
|
Used 6 yrs -older
|
8.45%*
|
8.95%*
|
11.45%*
|
12.20%*
|
18.00%*
|
18.00%*
|
|
ATV’s (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 48 Months
|
(Less than $6999-)
|
6.45%*
|
6.955%*
|
9.45%*
|
11.45%*
|
18.00%*
|
18.00%*
|
|
Up to 60 Months
|
($7000+)
|
6.75%*
|
7.2%*
|
9.75%*
|
11.75%*
|
18.00%*
|
18.00%*
|
|
Up to 48 Months
|
(Less than $6999-)
|
6.75%*
|
7.25%*
|
9.75%*
|
11.75%*
|
18.00%*
|
18.00%*
|
|
Up to 60 Months
|
($7000+)
|
6.95%*
|
7.45%*
|
9.95%*
|
11.95%*
|
18.00%*
|
18.00%*
|
|
Up to 36 Months
|
(Used 1-5 Yrs)
|
7.20%*
|
7.70%*
|
10.20%*
|
12.20%*
|
18.00%*
|
18.00%*
|
|
Up to 24 Months
|
(Used 6+ Yrs)
|
8.45%*
|
8.95%*
|
11.45%*
|
13.45%*
|
18.00%*
|
18.00%*
|
|
Share Secured (*SSE*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
60 Months Share Account
|
6.50%*
|
6.50%*
|
6.50%*
|
6.50%*
|
6.50%*
|
6.50%*
|
|
12 Months Single Pay
|
3.00%* above current share rate
|
|
Share Certificate (Matures with certificate)
|
3.00%* above current certificate rate
|
|
Visa Credit Card (*NEB*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
|
9.90%*
|
9.90%*
|
12.90%*
|
15.90%*
|
17.90%*
|
17.90%*
|
* – Annual Percentage Rate
*80* – 80% of the Appraised Value
*100* – Up to 100% Financing (NADA Retail/MSRP)
*APP* – Up to 100% Appraised Value/ Purchase Price
*M25* – Mileage cannot exceed 30,000
*M30* – Mileage cannot exceed 25,000
*MAX* – Any vehicles with over 100,000 miles max term of 36 Months
*MHO* – Brand New = 80% of appraisal or purchase price, Used up to 10 years 80% of market analysis or NADA Retail Value,
Models 10yrs and older good for 80% Market Analysis Only. Not eligible for Buy Downs. 1% APR discount with 30% down payment.
*MIN* – Minimum Amount Financed $20,000 – Mileage cannot exceed 30,000 Miles
*NEB* – Not Eligible for Buy Downs
*SSE* – May use up to 100% of Share Account. Not Eligible for Buy Downs |
