New & Used Vehicle Loans
Approx. Term APR for New Vehicles APR for Used Vehicles 0-24 Months 2.49 ~ 10.49% 2.49 ~ 10.49% 25-36 Months 2.49 ~ 10.49% 2.49 ~ 10.49% 37-48 Months 3.24 ~ 11.24% 3.24 ~ 11.24% 49-60 Months 3.24 ~ 11.24% 3.24 ~ 11.24% 61-66 Months 3.74 ~ 11.74% 3.74 ~ 11.74% 67-72 Months 3.99 ~ 11.99% 3.99 ~ 11.99%
Previous, Current, or newer Model years with less than 10,000 miles
Approx. Term APR 0-60 Months
Model Year 2007-2012
4.99 ~ 15.49% 0-60 Months
Model Year <2007
5.99 ~ 16.49%
Maximum Terms Based on Model Year and Vehicle Value
Approx. Term APR 72 Months 10.50 ~ 17.90%
Credit Union Better Choice
Approx. Term APR 90 Days 15.00 ~ 18.00%
Credit Union Better Choice loan has an application fee of $20. Other conditions and restrictions apply.
Approx. Term APR 72 Months 8.00 ~ 17.00%
Share Secured Loans
Approx. Term APR Call For Rates & Terms Call For Rates & Terms
* Approximate Terms are based on type of loan, collateral value, amount borrowed and member credit worthiness.
** APR = ANNUAL PERCENTAGE RATE. All rates are subject to change without notice. Rates disclosed are the lowest available. Actual rates may differ based upon on the type of loan, term of loan and member credit worthiness. All loan approvals are subject to Timberland FCU Lending Policies and Procedures.
*** Credit Union Better Choice loan has an application fee of $20. Other conditions and restrictions apply.
Home Equity Loans
Type Approx. Term APR Fixed Rate/Term 5-Year 3.75% Fixed Rate/Term 7-Year 3.75% Fixed Rate/Term 10-Year 4.50% Variable Rate HELOC 15-Year Variable Currently
APR = ANNUAL PERCENTAGE RATE. All rates are subject to change without notice. Rates disclosed are the lowest available. Actual rates may differ based upon on the type of loan, term of loan and member credit worthiness. All loan approvals are subject to Timberland FCU Lending Policies and Procedures.
Current Dividend Rates
Dividends Paid Quarterly
Account Minimum Deposit Savings Rate Savings APY Share Savings $ 5.00 0.05% 0.05% Share Draft Checking $ 0.00 0.025% 0.025% Christmas Club $ 0.00 0.125% 0.125% IRA Savings $10.00 or $250.001 0.5% 0.5% 90-Day Share $ 1,000.00 0.075% 0.075%
Money Market Shares
Minimum Deposit Savings Rate Savings APY* $1,000.00 0.05% 0.05% $10,000.00 0.075% 0.075% $25,000.00 0.10% 0.10% $50,000.00 0.10% 0.10% $100,000.00 0.10% 0.10%
Current Term Share Certificate Rates
Certificate Type Minimum Deposit Savings Rate Savings APY* 6-Month Term Share Certificate $1,000.00 0.05% 0.05% 1-Year Kids Club Term Share Certificate $100.00 0.05% 0.05% 1-Year Term Share Certificate $500.00 0.125% 0.125% 18-Month Term Share Certificate $500.00 0.15% 0.15% 2-Year Term Share Certificate $500.00 0.175% 0.175% 3-Year Term Share Certificate $500.00 0.25% 0.25% 5-Year Term Share Certificate $500.00 0.45% 0.45% Market Index Certificate $500.00 Per DJIA** Per DJIA** 90-Day IRA Certficate2 $1,000.00 0.375% 0.375% 6-Month IRA Certficate2 $500.00 0.50% 0.50% 1-Year IRA Certficate2 $500.00 0.50% 0.50% 18-Month IRA Certificate2 $500.00 0.50% 0.50% 2-Year IRA Certificate2 $500.00 0.62% 0.625% 3-Year IRA Certificate2 $500.00 0.62% 0.625% 5-Year IRA Certificate2 $500.00 0.74% 0.745% 7-Year IRA Certificate2 $500.00 1.24% 1.245%
*APY=Annual Percentage Yield
ACCOUNT FEES: Account Closure Within 90 Days of Opening $5.00 Account Reconciliation $10.00/Hour Account Research $10.00/Hour ATM: Balance Inquiry $1.00/Each ATM: Withdrawal (In Excess of 10) $1.00/Each Bad Address/Undeliverable Mail $5.00/Month Certified Check $5.00 Check Cashing or Cash Back on Deposited Item $5.00 fee applies to members with savings only and receiving cash back on an item greater than savings balance Negative Collection $15.00 Copy of Cleared Teller Check/Money Order $3.00 Deposited Item Return $25.00 Draft Copy $1.50 Draft Copy Direct $3.00 Dormant Account – No Activity for 12 months (Does not apply to youth account) $5.00 IRA Enrollment $10.00 Money Order $1.00 Non Sufficient Funds (NSF) $30.00/Item Overdraft $30.00/Item Photocopy $1.00/Copy (first 2 free) Reg D $30.00/Item Returned Item $30.00/Item Share Draft Printing Varies By Style Statement Copy $3.00/Month Stop Payment $25.00/Item, $30.00/Series Teller Check to Third party $2.00 Western Union: Domestic $25.00 Wire Transfer – Outgoing: Domestic $15.00 Wire Transfer – Outgoing: International $40.00 SHARE VALUE: $5.00 Per Value of One Share $5.00 DORMANT ACCOUNT NOTICE: If your account has no activity for 12 months you will be sent a letter reminding you that your account is still active. If you receive this letter, simply call the credit union or return the enclosed letter and to indicate that you would like to keep your account open and active. After your account has been dormant for more than 13 months a $5.00 per month fee will be assessed to your account until you notify the credit union. NEW ADDRESS CHANGE/PHONE NUMBER UPDATE: All members are asked to notify the credit union of any changes in address or phone number. It is costly to both the credit union and the members when outdated information is on our system. Also, if you notice an error in your name, address, or phone number please contact us immediately so it can be corrected. If statements and other mail is returned to the credit union as bad address you may be charged $5.00 per month until the information is corrected. QUESTIONS? Call 800-477-3889 or visit us online at www.timberlandfcu.org