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Rates *WAC*: Let us help you lower your rate by 0.25% when you maintain a sharedraft/checking account and have your loan payment made by automatic/payroll payment method. We will also give you a 1.00% reduction, with proof of certificate, when member has successfully completed "Credit When Credit Is Due" 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 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.
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 07/01/2010**
**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 (2009-2007) (*100*,*MIN*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 24 Months
|
4.70%*
|
5.20%*
|
6.70%*
|
8.70%*
|
10.70%*
|
14.20%*
|
|
25 - 36 Months
|
4.75%*
|
5.25%*
|
6.75%*
|
8.75%*
|
10.75%*
|
14.25%*
|
|
37 - 48 Months
|
4.95%*
|
5.45%*
|
6.95%*
|
8.95%*
|
10.95%*
|
14.45%*
|
|
49 - 60 Months
|
4.95%*
|
5.45%*
|
6.95%*
|
8.95%*
|
10.95%*
|
14.45%*
|
|
61 - 72 Months ($20,000 - $24,999)(*M30*)
|
5.65%*
|
6.15%*
|
7.65%*
|
9.65%*
|
11.65%*
|
15.15%*
|
|
73 - 84 Months ($25,000 and Up)(*M25*)
|
6.65%*
|
7.15%*
|
8.65%*
|
10.65%*
|
12.65%*
|
16.15%*
|
|
Automobiles (2006 and older)(*100*,*MAX)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months
|
2000 and Older
|
7.25%*
|
7.75%*
|
9.25%*
|
11.25%*
|
13.25%*
|
17.00%*
|
|
Up to 48 Months
|
2001-2003
|
6.95%*
|
7.45%*
|
9.25%*
|
11.25%*
|
13.25%*
|
17.00%*
|
|
Up to 24 Months
|
2004-2007
|
4.85%*
|
5.35%*
|
6.85%*
|
8.85%*
|
10.85%*
|
14.35%*
|
|
25 - 36 Months
|
5.15%*
|
5.65%*
|
7.15%*
|
9.15%*
|
11.15%*
|
14.65%*
|
|
37 - 48 Months
|
5.35%*
|
5.85%*
|
7.35%*
|
9.35%*
|
11.35%*
|
14.85%*
|
|
49 - 60 Months
|
5.50%*
|
6.00%*
|
7.50%*
|
9.50%*
|
11.50%*
|
15.00%*
|
|
Classic Cars (1989 and older) (*80*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 60 Months
|
7.40%*
|
7.90%*
|
9.40%*
|
11.40%*
|
13.40%*
|
16.90%*
|
|
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%*
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10.50%*
|
10.75%*
|
13.00%*
|
15.25%*
|
18.00%*
|
|
Mobile Homes (*MHO*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
New to 4 Years Up to 180 Months
|
9.75%*
|
10.00%*
|
10.50%*
|
12.50%*
|
14.50%*
|
16.00%*
|
|
5 to 8 Years – Up to 144 Months
|
9.75%*
|
10.00%*
|
10.50%*
|
12.50%*
|
14.50%*
|
16.00%*
|
|
9 to 14 Years – Up to 120 Months
|
10.75%*
|
11.00%*
|
11.50%*
|
13.50%*
|
15.50%*
|
17.00%*
|
|
15 Years and Older – Up to 72 Months
|
12.75%*
|
13.00%*
|
13.50%*
|
15.50%*
|
17.50%*
|
18.00%*
|
|
Motor Homes, Travel Trailers, 5th Wheels, Campers and Boats, Horse & Utility Trlrs (New 2006 and Up) (*100*)
|
|
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(Excludes Personal Watercraft)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
7.70%*
|
8.20%*
|
9.70%*
|
11.70%*
|
13.70%*
|
17.20%*
|
|
37 – 60 Months $5,000 - $7,999
|
6.70%*
|
7.20%*
|
8.70%*
|
10.70%*
|
12.70%*
|
16.20%*
|
|
61 – 84 Months $8,000 - $11,999
|
5.70%*
|
6.20%*
|
7.70%*
|
9.70%*
|
11.70%*
|
15.20%*
|
|
85 – 96 Months $12,000 - $15,999
|
5.95%*
|
6.40%*
|
7.95%*
|
9.95%*
|
11.90%*
|
15.45%*
|
|
97 – 120 Months $16,000 - $19,999
|
6.95%*
|
7.40%*
|
8.95%*
|
10.95%*
|
12.95%*
|
16.45%*
|
|
121 – 144 Months $20,000 and Up
|
6.95%*
|
7.40%*
|
8.95%*
|
10.95%*
|
12.95%*
|
16.45%*
|
|
Motor Homes, Travel Trailers, 5th Wheels, Campers and Boats, Horse & Utility Trlrs (Used 2005 and Older) (*100*)
|
|
|
(Excludes Personal Watercraft)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
7.80%*
|
8.30%*
|
9.80%*
|
11.80%*
|
13.80%*
|
17.30%*
|
|
37 – 60 Months $5,000 - $7,999
|
6.80%*
|
7.30%*
|
8.80%*
|
10.80%*
|
12.80%*
|
16.30%*
|
|
61 – 84 Months $8,000 - $11,999
|
5.80%*
|
6.30%*
|
7.85%*
|
9.85%*
|
11.85%*
|
15.30%*
|
|
85 – 96 Months $12,000 - $15,999
|
6.05%*
|
6.50%*
|
8.00%*
|
10.00%*
|
12.80%*
|
15.55%*
|
|
97 – 120 Months $16,000 - $19,999
|
7.05%*
|
7.50%*
|
9.00%*
|
11.00%*
|
13.00%*
|
16.55%*
|
|
121 – 144 Months $20,000 and Up
|
7.05%*
|
7.50%*
|
9.00%*
|
11.00%*
|
13.00%*
|
16.55%*
|
|
Motorcycles New (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
6.10%*
|
6.60%*
|
8.10%*
|
10.10%*
|
12.10%*
|
15.60%*
|
|
37 – 48 Months $5,000 - $9,999
|
5.85%*
|
6.35%*
|
7.80%*
|
9.80%*
|
11.85%*
|
15.35%*
|
|
49 – 60 Months $10,000 - $19,999
|
5.70%*
|
6.20%*
|
7.70%*
|
9.70%*
|
11.70%*
|
15.20%*
|
|
61 – 72 Months $20,000 and Up
|
5.90%*
|
6.40%*
|
7.90%*
|
9.90%*
|
11.90%*
|
15.40%*
|
|
Up to 84 Months $25,000 and Up
|
6.00%*
|
6.50%*
|
8.00%*
|
10.00%*
|
12.00%*
|
15.50%*
|
|
Motorcycles Used (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months To $4,999
|
6.40%*
|
6.90%*
|
8.35%*
|
10.35%*
|
12.35%*
|
15.85%*
|
|
37 – 48 Months $5,000 - $9,999
|
6.10%*
|
6.60%*
|
8.10%*
|
10.10%*
|
12.15%*
|
15.65%*
|
|
49 – 60 Months $10,000 - $19,999
|
5.70%*
|
6.20%*
|
7.70%*
|
9.70%*
|
11.70%*
|
15.20%*
|
|
61 – 72 Months $20,000 and Up
|
5.90%*
|
6.40%*
|
7.90%*
|
9.90%*
|
11.90%*
|
15.40%*
|
|
Other (Computer Equipment, Stereo Systems, etc…) (*APP*)
|
|
|
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months
|
10.00%*
|
10.25%*
|
10.75%*
|
12.75%*
|
14.75%*
|
16.00%*
|
|
37- 60 Months
|
10.25%*
|
10.50%*
|
11.00%*
|
13.00%*
|
15.00%*
|
16.00%*
|
|
Overdraft Protection (*NEB*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Maximum $1000
|
15.00%*
|
15.00%*
|
15.00%*
|
15.00%*
|
15.00%*
|
15.00%*
|
|
Personal
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 36 Months
|
10.50%*
|
10.95%*
|
12.50%*
|
14.50%*
|
16.50%*
|
18.00%*
|
|
37 - 60 Months
|
10.50%*
|
11.00%*
|
12.50%*
|
14.50%*
|
16.50%*
|
18.00%*
|
|
Personal (Watercraft, Snowmobiles) (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 48 Months
|
New Current Year
|
5.95%*
|
6.45%*
|
8.20%*
|
10.20%*
|
12.20%*
|
15.70%*
|
|
Up to 36 Months
|
used 1-5 years
|
6.70%*
|
7.20%*
|
8.70%*
|
10.70%*
|
12.70%*
|
16.20%*
|
|
Up to 24 Months
|
Used 6 yrs -older
|
7.95%*
|
8.45%*
|
10.20%*
|
12.20%*
|
14.20%*
|
16.70%*
|
|
Personal (ATV’s) (*100*)
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Up to 48 Months
|
(New 2009+ $6999-)
|
5.90%*
|
6.40%*
|
7.90%*
|
9.90%*
|
11.90%*
|
15.40%*
|
|
Up to 60 Months
|
(New 2009+ $7000+)
|
6.20%*
|
6.70%*
|
8.20%*
|
10.20%*
|
12.20%*
|
15.70%*
|
|
Up to 48 Months
|
(New 2008 $6999-)
|
6.20%*
|
6.70%*
|
8.20%*
|
10.20%*
|
12.20%*
|
15.70%*
|
|
Up to 60 Months
|
(New 2008 $7000+)
|
6.40%*
|
6.85%*
|
8.35%*
|
10.35%*
|
12.35%*
|
15.90%*
|
|
Up to 36 Months
|
(Used 1-5 Yrs)
|
6.70%*
|
7.15%*
|
8.65%*
|
10.65%*
|
12.65%*
|
16.15%*
|
|
Up to 24 Months
|
(Used 6+ Yrs)
|
7.90%*
|
8.40%*
|
9.90%*
|
11.90%*
|
13.90%*
|
17.40%*
|
|
Real Estate (In House 1st Mortgage- 5yr Balloon) (*NEB*)
|
|
|
|
A+
|
A
|
B
|
C
|
D
|
R
|
|
Amortized up to 240 Months
|
Ask mortgage Department for Current Rates & Terms
|
|
Real Estates (In House 1st Mortgage – Mobile Home/Land – 5yr Balloon) (*NEB*)
|
|
|
Amortized up to 240 Months
|
Ask Mortgage Department for Current Rate $ Terms
|
|
Secondary Market (Fixed or Adjustable)
|
|
|
|
Ask Mortgage Department for Current Rates & Terms
|
|
Real Estate (Home Equity) (*NEB*)
|
|
|
|
1.25%* over Prime Rate – Variable Rate
|
|
Real Estate (Home Improvement) (*NEB*)
|
|
|
Up to 60 Months
|
1.25%* over Prime Rate - Variable Rate
|
|
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 |
