Tuscaloosa Teachers Credit Union
VIRTUAL BRANCH LOGIN   Access ID:   
Search   

Home  |  Rates  |  Locations

GrooveCar.com

Loan Rates

New / Used Auto as low as 2.5%
15 Yr Fixed Mort as low as 3.625%
HELOC (Qtrly Adj) as low as 3.25%
Personal as low as 9.9%
More Rates

Rates

 

Consumer Loans

Maximum Term

APR         

New Auto

Up to 84 months

As low as 2.5%

Used Auto

Up to 84 months

As low as 2.5%

Recreational

Up to 120 months

As low as 4.5%

Manufactured Home

Up to 144 months

As low as 6.375%

Personal

Up to 36 months

As low as 9.9%

Savings Secured

Up to 60 months

As low as Dividend Rate + 2.0%

Certificate Secured

Maturity of pledged certificate

As low as Dividend Rate + 2.0%

Professional Development

Up to 24 months

As low as 6.0%

Overdraft Protection

n/a  *$50 min. payment

As low as 18.0%

 

Real Estate Loans

Maximum Term

APR

Fixed Rate 1st Mortgage

Traditional Home Purchase or Refinance

 

Up to 15 years

As low as 3.625%

Fixed Rate 1st Mortgage

Unimproved Property/Land

 

Up to 12 years

 

As low as 7.5%

Adjustable Rate 1st Mortgage

Fixed for 7 years, then adjustable annually

 

7 years/

30 year amortization

As low as 3.625%

Fixed Rate 2nd Mortgage

Traditional Home Improvement Loan

 

Up to 15 years

As low as 6.5%

Adjustable Rate Home Equity Line of Credit

Rate adjusted quarterly, level payments

 

7 years/

5 year draw period

As low as WSJ 3-month

Treasury Bill  + 3.25%

Adjustable Rate Home Equity Line of Credit

Rate adjusted monthly, interest-only payments

 

25 years/

10 year draw period

As low as WSJ Prime

Rate  - 0.25%

Adjustable Rate Construction Line of Credit

Construction of or renovation to principal residence

 

Up to 9 months

As low as WSJ Prime

Rate  + 2.0%

 

Credit Card

Minimum Payment

APR

VISA

5% of balance, $25 minimum

As low as 12.9%


Rates and terms subject to credit evaluation and qualification.  Actual rates and terms may vary.  APR=Annual Percentage Rate.  WSJ=Wall Street Journal.

 

Accounts

Rate

Yield (APY)

Minimum Balance

Regular Savings

0.25%

0.25%

$25

Money Market

0.30%

0.30%

$10,000

Money Market

0.35%

0.35%

$25,000

Money Market

0.40%

0.40%

$50,000

Money Market

0.45%

0.45%

$100,000

Club Savings

0.25%

0.25%

$25

Checking

0.10%

0.10%

n/a

IRA, SEP, Roth, Educational

0.45%

0.45%

$25

 

APY=Annual Percentage Yield

Dividends on Savings and IRA Accounts are computed on average daily balances of $25 or more and posted monthly.  Dividends on Money Markey Accounts are computed on average daily balances of $1,000 or more and posted monthly.  Dividends on Checking Accounts are computed on average daily balances of $1 or more and posted monthly. 

 

Savings Certificates

Rate

Yield (APY)

Minimum Balance

06 Month

0.50%

0.50%

$1,000

12 Month

0.65%

0.65%

$1,000

18 Month

0.80%

0.80%

$1,000

24 Month

0.95%

0.95%

$1,000

36 Month

1.10%

1.10%

$1,000

48 Month

1.25%

1.25%

$1,000

60 Month

1.50%

1.51%

$1,000

 

 

 

 

IRA Certificates

Rate

Yield (APY)

Minimum Balance

06 Month

0.50%

0.50%

$1,000

12 Month

0.65%

0.65%

$1,000

18 Month

0.80%

0.80%

$1,000

24 Month

0.95%

0.95%

$1,000

36 Month

1.10%

1.10%

$1,000

48 Month

1.25%

1.25%

$1,000

60 Month

1.50%

1.51%

$1,000


APY=Annual Percentage Yield. 

Dividends on Certificates are computed on average daily balances of $1,000 or more and posted monthly.