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PRIVATE STUDENT LOAN SOLUTIONS

Click here for current rates on our Student Choice private student loan solutions.

SHARE SAVINGS RATES
SAVINGS
MINIMUM
DEPOSIT
DIVIDEND
RATE
APY
Regular Savings and Clubs $5 .30% .30%
Life Savings $5 .10% .10%
Money Market
$2,500 - $9,999 .60% .60%
$10,000 - 19,999 .70% .70%
$20,000 - $49,999 .80% .80%
$50,000 and over .90% .90%
Packaged Share Draft -- .10% .10%
IRA Shares $25 .80% .80%

Annual Percentage Yields (APY) are subject to change monthly. These rates are variable and are determined at the discretion of the Board of Directors. Dividends are paid and compounded monthly, and are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Fees could reduce earnings. Please refer to our Truth-In-Savings disclosure for further details.

Savings Calculator


SHARE CERTIFICATES
TERM
MINIMUM
DEPOSIT
DIVIDEND
RATE
APY
12 month First Step $25* .40% .40%
Six-month Affordable $250 .50% .50%
Six-month Money Market $1,000 .90% .90%
1 Year $1,000 1.20% 1.21%
1 Year Jumbo $100,000 1.30% 1.31%
2 Year $1,000 1.60% 1.61%
2 Year Jumbo $100,000 1.70% 1.71%
3 Year $1,000 2.10% 2.12%
3 Year Jumbo $100,000 2.20% 2.22%
Traditional IRA, Roth IRA, Jumbo and Coverdell Education Savings Account Certificate
1 Year $1,000 1.45% 1.46%
1 Year Jumbo $100,000 1.55% 1.56%
3 Year $1,000 2.35% 2.37%
3 Year Jumbo $100,000 2.45% 2.47%
5 Year $1,000 2.80% 2.83%
5 Year Jumbo $100,000 2.90% 2.93%

Share Certificate Annual Percentage Yields (APY) are effective 07/27/10 and are subject to change without notice. Dividends on all Share Certificates, including IRA Share Certificates, are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends on Six-Month Affordable and Money Market certificates are paid at maturity. Dividends on all other types of certificate accounts are paid and compounded quarterly, with final payment at maturity. Penalty will be imposed for early withdrawals. Fees could reduce earnings. See certificate disclosure for details.

* Requires regular minimum monthly deposits of $25.00 until maturity date.

Retirement Planning Calculator



VEHICLE LOANS:
Annual Percentage Rate (APR) As Low As: Relationship Packaged Account
Annual Percentage Rate (APR) As Low As:
Term*
Vehicle Loans: Autos, Boats, RVs and Motorcycles 3.50% 3.25% Up to 36 Months
3.75% 3.50% 37-48 Months
4.00% 3.75% 49-60 Months
4.25% 4.00% 61-72 Months
5.25% 5.00% 73 Months and greater

Rates reflect a .25% limited time promotional discount (can be withdrawn at any time). CALL THE CREDIT UNION AND ASK IF YOU'RE ELIGIBLE FOR A PACKAGED ACCOUNT DISCOUNT! At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate. Annual Percentage Rate (APR) may be higher on auto loans based on past and present credit performance.

*Terms over 73 months depend on vehicle age and loan amount.

Use our Loan Calculator or apply on-line now!


PERSONAL LOANS:
LOAN APR
AS LOW AS°:
TERM
Personal 7.45% Up to 48 Months

°APR may be higher on personal and auto loans based on past and present credit performance.
+Existing TFCU loans are not eligible for refinance. Relationship discounts do not apply.

SHARE DRAFT OVERDRAFT PROTECTION:
LOAN APR TERM
$5,000 Max 15.90% Monthly payment is $30
per $1,000 increment due.

Apply on-line now!



VISA CREDIT CARDS

Annual Percentage Rate (APR)† for Purchases, Cash Advances and Balance Transfers:

11.9%-17.9% fixed APR for Visa Platinum Rewards
8.9% - 16.9% fixed APR for Visa Platinum and VISA Platinum Share Secured

Default Annual Percentage Rate (APR):

Your interest rate will increase by 2% if you are delinquent for 2 consecutive billing cycles. This rate will remain in effect until the account is kept current for 6 consecutive billing cycles.

Grace Period for Purchases:
25 days from the closing date of statement cycle to repay balance before a finance charge is assessed on purchases for VISA Platinum and VISA Platinum Reward, no grace period for VISA Platinum Share Secured

Method of computing purchases:
Average daily balance (including new purchases)

Annual Fee:
$0 for Express, Concorde, Premiere50, Advantage Circle Plus Members

$25 for VISA Platinum Rewards
$0 for VISA Platinum
$0 for VISA Platinum Share Secured

Late payment fee:
10% of the delinquent amount will be added to the account for each past due cycle that you remain past due, subject to a minimum of $1.00. VISA Platinum Rewards maximum $30.00 per cycle. VISA Platinum and VISA Platinum Share Secured maximum $25.00 per cycle.

Minimum Finance Charge: $0.50
Cash Advance fee: None
Balance transfer fee: None
Over the credit limit fee: $10.00

The Annual Percentage Rate is determined by your credit performance. Yours may be different than disclosed. The method used to determine individual rates is on file at the Credit Union. Information is subject to change. To find out what may have changed, call us at 202-366-9400 or 1-800-DOTTIE2, or write us at P.O. Box 70440, Washington, D.C. 20024-0440

Apply on-line now!



HOME EQUITY
Draw period 7 yrs.
Repayment period 15 yrs.

LOAN TYPE TERM
(Up to)
APR MAX. LTV FEES
Home Equity Line of Credit
Maximum Limit $100,000

Draw Period-15 yrs.
Repayment Period-15 yrs.
3.74%
variable rate
80% Fee generally range from
$100-1,200*
High Loan-to-Value Home Equity Line of Credit
Minimum limit $5,000
Maximum limit $250,000 up to 100% LTV
Draw Period-15 yrs.
Repayment Period-15 yrs.
4.99%
variable rate

100%**
Loans < $50k
Fees range from $100-$600*
Loans > $50K
Fees range from $500-$1,200*
Interest-Only Home Equity Line of Credit
Maximum Limit $100,000
Draw Period-7 yrs.
Repayment Period-15 yrs.
3.99%
variable rate
80% Fees generally range from
$500-1,200*
Interest-Only High Loan-to-Value
Home Equity Line of Credit
Minimum limit $5,000
Maximum limit $250,000 up to 100% LTV
Draw Period-7 yrs.
Repayment Period-15 yrs.
4.99%
variable rate

100%**
Loans < $50k
Fees range from $100-$600*
Loans > $50K
Fees range from $500-$1,200*
No-Cost Home Equity Line of Credit
Minimum limit Loan $25,000
Maximum limit $100,000
Draw Period-15 yrs.
Repayment Period-15 yrs.
3.99%
variable rate
80% Closing Cost Paid by
TFCU***
SECOND TRUST FIXED RATES TERM
(Up to)
APR As Low As+ MAX. LTV FEES
Non-Revolving
Fixed Rate Second Trust
Maximum Loan $100,000

5 yrs.
10 yrs.
15 yrs.
4.24%
4.74%
5.24%
80% Loans < $50k
Fees range from $100-$600*
Fees generally range from
$500-$1,200*
No Cost - Fixed Rate Second Trust
Mininum Loan $25,000
Maximum Loan $100,000
5 yrs.
10 yrs.
15 yrs.
5.24%
5.74%
6.24%
80% Closing Cost Paid by
TFCU***
High Loan-to-Value
Fixed Rate Second Trust
Minimum limit $5,000
Maximum limit $250,000 up to 100% LTV
5 yrs.
10 yrs.
15 yrs.
5.74%
6.24%
6.74%

100%**
Loans < $50k
Fees range from $100-$600*
Loans > $50K
Fees generally range from
$500-$1,200*

+The Annual Percentage Rate (APR) may be higher based on past and present credit performance.
*Depending on loan amount, property location and method of valuation. Additional fees may include title search/insurance, recording fee/taxes, attorneys and appraisal fees.
**Loan to value based on the tax assessment or appraisal for a loan amount up to $250,000. Some restrictions may apply for the maximum LTV of 100%, not all members/property will qualify. Program not available in Hawaii or Alaska.

***Lender will not pay for expense associated with taxes, liens (to include lien releases) or misc. settlement expense.
These terms may change without notice. Home Equity rates are in effect from 7/1/10. Second trust rates are in effect from 7/1/10. Your rate will be locked-in at the time of credit approval.

Late fees: If your payment is more than 15 days late, we may charge you 5% of the payment or $25.00 whichever is greater. Fees may vary depending on the location of the property. Collection Costs: You promise to pay all costs of collecting the amount you owe under any agreement signed with Transportation Federal Credit Union including court costs and reasonable attorney fees.



MORTGAGES
Mortgage rates may change daily. Visit Credit Union Mortgage Association's Web site for rate information.

Use our Mortgage Calculator or apply on-line now!



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