Current Loan and Deposit Account Rates

Loan Rates

Loan rates effective November 1, 2024 Prime Rate = 7.75% effective 11/07/2024 APR = Annual Percentage Rate

Loan Type	Annual Percentage Rate	Notes
Auto Loans NEW	Rates as low as 5.99% CLICK HERE for DISCOUNT LIST Fixed Rate	Recreational Vehicles including motorcycles, boats and RV’s ADD 1.00% to calculated rate.
Auto Loans – USED (2020-2023)	Rates as low as 6.49% CLICK HERE for DISCOUNT LIST Fixed Rate	Auto Loans – USED Model Years 2016-2019. Rates as low as 7.49%. Recreational Vehicles including motorcycles, boats and RV’s ADD 1.00% to calculated rate.
Bill Consolidation and Signature Loans	Rates as low as 10.49%	Up to 60 months
MOD (Money-On-Demand Line of Credit)	15.00%	N/A
VISA	15.24%	With 25 day grace period
Home Equity	As low as Prime minus 0.25%	80% LTV, Prime minus 0.25%, available in OH, IN, KY, PA, TN, MI, GA, IL, MO, NJ, NC, SC
Second Mortgage	4.49% (5 yr), 5.99% (10 yr), 6.24% (15 yr)	Fixed rate, available in Ohio only
First Mortgage	Call for current rates	Fixed / Variable, 15-30 year terms, available only in Ohio
Stock Secured Loans	8.50%	N/A
Share Secured Loans	3.00% above primary share, term share certificates and money market rate: Not lower than designated floor rate	N/A

Loan Rate Discounts

20% down payment, payroll deduction and Green Saver package (in combination) = 1.00% discount
Direct Deposit of Net Pay (new) = 0.50% discount OR (only 1 discount applies) Automatic Payroll Payment of a Loan = 0.25% discount
Green Saver (new) (Bill Pay, E-Statements, & Debit Card) = 0.25% discount
Fuel Efficient, Electric, or Hybrid vehicle purchase = 0.10% discount Fuel Efficient Autos, which are five years old or less, and get 30 mpg Hwy or more, and have less than 75,000 mile

The maximum rate discount a member may earn on any one loan is 1.00%. However, at no time will the member’s rate with discounts go lower than the credit union’s designated floor rate (4.49% APR) or current promotional rate. Discounts do not apply to all lending products (does not include: MOD, VISA, Home Equity and Mortgages). For more information on TCU Loan Rate Discounts, please contact a Loan Representative at 800.828.6446.

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Deposit Account Rates

Term Share Certificates

Effective Date: November 5, 2024 $500 minimum deposit required | Rate Adjusted Weekly | Calculated daily | *Dividends paid at maturity | **Dividends paid quarterly | Penalty may be imposed for early withdrawal

Term (Months)	*Yield (APY)**	Dividend Rate
3 to 5	1.00%*	0.996%*
6 to 11	4.55%**	4.474%**
12 to 17	4.50%**	4.426%**
18 to 23	4.25%**	4.184%**
24 to 29	4.00%**	3.941%**
30 to 35	4.00%**	3.941%**
36 to 47	4.00%**	3.941%**
48 to 59	4.00%**	3.941%**
60	4.00%**	3.941%**

*APY = Annual Percentage Yield

IRA (Individual Retirement Account) Certificates

Effective Date: November 5, 2024 $500 minimum deposit required | Rate Adjusted Weekly | Calculated daily | *Dividends paid at maturity | **Dividends paid quarterly Includes Traditional IRA, Roth IRA and Coverdell Educational Savings Account

Term (Months)	*Yield (APY)**	Dividend Rate
3 to 5	1.00%*	0.996%*
6 to 11	4.55%**	4.474%**
12 to 17	4.50%**	4.426%**
18 to 23	4.25%**	4.184%**
24 to 29	4.00%**	3.941%**
30 to 35	4.00%**	3.941%**
36 to 47	4.00%**	3.941%**
48 to 59	4.00%**	3.941%**
60	4.00%**	3.941%**

*APY = Annual Percentage Yield

IRA (Individual Retirement Account) Savings

Effective Date: November 1, 2024 $100 Minimum Deposit | Rate adjusted monthly | Calculated daily | Paid quarterly

*Yield (APY)**	Dividend Rate
0.20%	0.200%

*APY = Annual Percentage Yield

Money Market Share Account (MMSA)

Effective Date: November 5, 2024 $100 Minimum Deposit | Rate adjusted weekly | Calculated daily | Dividends calculated daily | Paid monthly

Deposit Category	*Yield (APY)**	Dividend Rate
$100 – $4,999	0.40%	0.399%
$5,000 – $24,999	0.60%	0.599%
$25,000 – $49,999	0.80%	0.798%
$50,000 and over	1.00%	0.996%

*APY = Annual Percentage Yield

Primary Share / Business Savings / Holiday & Club Accounts (Statement Savings)

Effective Date: November 1, 2024 $100 Minimum Deposit required to earn dividends | Rate adjusted monthly |Dividends calculated daily on the balance in each category |Paid quarterly

*APY (Lowest)**	*APY (Highest)**
0.050%	0.050%

*APY = Annual Percentage Yield

Premier Business Checking Account

Effective Date: November 1, 2024

Balance	*Yield (APY)**	Dividend Rate
All	0.025%	0.025%

*APY = Annual Percentage Yield

Classic Checking Account

Effective Date: November 1, 2024 There is no Minimum Deposit. Daily balance is required to earn tier dividends. Dividends calculated daily | Paid quarterly | Rate adjusted monthly

Balance	*Yield (APY)**	Dividend Rate
$0.00 – $999.99	0.025%	0.025%
$1,000 and over	0.025%	0.025%

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