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Tracy Federal Credit Union Rate Board
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Loan Rates
Effective March 21, 2008
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| Loan Type |
Term |
APR* as Low as: |
| New & Used Vehicles |
up to 84 months |
5.25% |
| Motorcycle Loans |
60 months |
9.00% |
| Home Equity Loan |
up to 180 months |
7.75% |
| Home Equity Line of Credit |
Revolving |
6.00%
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| Unsecured Personal Loan |
48 months |
10.25% |
| Consolidation Loan |
up to 48 months |
11.25% |
| Line of Credit |
36 months |
10.50% |
| New & Used Boat, RV, Motorhome |
up to 120 months |
7.75% |
| Certificate Loan |
Certificate Term |
3.00% over CD rate |
| Share Loan |
up to 60 months |
5.25% |
| VISA Classic Credit Card |
Credit Card Payment =3.50% of balance |
9.99% |
* APR means Annual Percentage Rate. Rates and terms may vary based on individual credit rating and loan amount. Other restrictions may apply.
The maximum Annual Percentage Rate that any member will pay will not exceed 18%. Apply for a loan 24 hours a day, 7 days a week, from the convenience of your home or office, or even a car dealership. Call our Lending Center at 1 (800) 711-2284.
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We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. |
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Dividend Rates
Effective May 1, 2008
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| Account Name |
Average Balance to Earn Dividends |
Annual Dividend Rate |
APY* |
| All Share Accounts |
$0 to $499 |
0.25% |
0.25% |
| $500 to $2,499 |
0.35% |
0.35% |
| $2,500 to $9,999 |
0.45% |
0.45% |
| $10,000 or more |
0.50% |
0.50% |
| IRA Share Account |
$250 |
1.50% |
1.51% |
| Health Savings Account |
$250 |
3.92% |
4.00% |
| Money Market Account |
$1,000 to $9,999 |
0.50% |
0.50% |
| $10,000 to $24,999 |
1.00% |
1.00% |
| Premier Money Market Account |
$25,000 to $49,999
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2.25% |
2.27% |
| $50,000 to $99,999 |
2.75% |
2.79% |
| $100,000 or more |
3.25% |
3.30% |
*APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. This schedule is incorporated as a part of your account agreement with your Credit Union.
Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Credit Union.
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Term Certificates and IRA Term Certificate Rates
Effective May 1, 2008
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| Account Name |
Minimum Opening Balance |
Annual Dividend Rate |
APY ** |
| 3 Month Certificate |
$1,000 |
1.75% |
1.77% |
| 6 Month Certificate |
$1,000 |
1.75% |
1.77% |
| 6-Month New Member Certificate Special |
$1,000 minimum/$5,000 maximum** |
6.77% |
7.00% |
| 12 Month Certificate |
$1,000 |
2.00% |
2.02% |
| 24 Month Certificate |
$1,000 |
2.25% |
2.38% |
| 36 Month Certificate |
$1,000 |
2.50% |
2.53% |
| 6 Month Premium Certificate |
$10,000 |
2.25% |
2.28% |
| 12 Month Premium Certificate |
$10,000 |
2.75% |
2.79% |
| 24 Month Premium Certificate |
$10,000 |
2.75% |
2.79% |
| 36 Month Premium Certificate |
$10,000 |
2.75% |
2.79% |
**Maximum $7,500 with active checking account and direct deposit of net check. New money only.
Member accounts are insured by the National Credit Union Administration (NCUA) up to $100,000
IRA accounts are insured separately by NCUA up to an additional $250,000
Rates are subject to change.
**APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise stated, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need rate information on your accounts, please call (209) 832-6450.
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