| Loan Type |
Annual Percentage Rate |
| New and Used Cars, Trucks, and Motorcycles |
Fixed rates as low as
4.94% APR for purchases and refinances from other lenders.*
|
Boat, RV, Trailers
(new & used) |
Fixed rates as low as
4.94%
APR for purchases and refinances from other lenders.* |
ATVs, Personal Watercraft, Snowmobiles
(new & used) |
Fixed rates as low as
6.95% APR for purchases and refinances from other lenders.* |
| * The actual rate is based on the applicant's credit and payment history and the length of the repayment period. Other terms and conditions may apply. This rate includes a .25% reduction for electronic loan repayment. |
HomeLine Equity
Line of Credit1
|
5.25%
APR variable:
up to 80% loan-to-value2
6.00%
APR variable:
81 to 90% loan-to-value2
|
Home Equity Loan3
Closing costs are paid by TFCU with the exception of an appraisal, if needed. Property must be owner-occupied, located in Minnesota or Wisconsin. Minimum new loan amount is $10,000.
| |
5 year
(fixed)4 |
10 year
(fixed)4 |
15 year
(fixed)4 |
Up to 80%
loan-to-value |
6.25% APR |
7.25% APR |
7.50% APR |
81 to 90%
loan-to-value |
6.75% APR |
7.75% APR |
8.00% APR |
|
| 1) |
Closing costs are paid by TFCU with the exception of an appraisal, if needed. Property must be owner-occupied, located in Minnesota or Wisconsin. Minimum new loan amount is $10,000. APR cannot exceed 18%. Rates are effective
May 1, 2008.
|
| 2) |
The minimum Home Equity Loan amount is $10,000. The maximum is
$200,000. To refinance your TFCU Home Equity Loan, you must increase your
loan balance by $10,000. Maximum APR is 18% for all variable rate home
equity lines of credit. An appraisal is required on all home equity loans that
exceed
80%
of the property tax value. |
| 3) |
The minimum HomeLine (Line of Credit) amount is $10,000, and the
maximum HomeLine amount is $200,000. However you do not need to
advance the HomeLine funds until you need them. To refinance your existing
TFCU HomeLine, you must increase your credit limit and balance by $10,000.
Maximum APR is 18% for all variable rate home equity lines of credit.
Equity Requirements:
Based on your property tax statement —
80%
of the tax statement value, minus your present mortgage balance. Based on an appraisal —
90%
of the appraised value, minus your present mortgage balance. |
| 4) |
PAYMENT EXAMPLES: For every $1,000 borrowed at 5.75%APR over
5 years, the monthly payment is $19.22. For every $1,000 borrowed at
6.75%APR over 10 years, the monthly payment is $11.48. For every $1,000
borrowed at 7.00%APR over 15 years, the monthly payment is $8.99.
|
|
Classic Visa®
Credit Card
|
11.90%
fixed rate; up to $10,000 limit. |
Platinum Visa®
Credit Card
|
Fixed rates as low as 9.90%; $7,500 minimum line. Initial rate is based on an evaluation of applicant's payment and credit history. Actual rate may vary. |
| Line of Credit |
Fixed rates as low as 9.90%; up to $50,000 limit.
Initial rate is based on an evaluation of applicant's payment and credit history. Actual rate may vary.
|
| Share Secured |
2.75% APR variable |
| Certificate Secured |
2.00% over current earning dividend rate, rounded up to nearest 1/4 of 1%. |
First Mortgages
|
Rates change daily.
Call the 24-hour Rateline at
763-591-4949 for current rates. Call
763-595-4010 for additional loan information. |
| Rates are subject to change without notice. |
