Lending Rates - Treasury Department FCU

Unsecured Consumer Loan Product Name	Annual Percentage Rate	Term	Maximum Loan Amount	Estimated Monthly Payment Per $1,000 Borrowed
Credit Consolidation Loan	9.99%	Up to 48 months	$20,000	48 payment of $25.36
Education Loan	10.99%	Up to 60 months	$15,000	60 payments of $21.74
Overdraft Protection Line of Credit	13.00%	Revolving	$15,000	**2.3% of your outstanding account
Personal Computer	10.99%	Up to 36 months	$5,000	36 payments of $32.73
Vacation/Holiday/Back to School Loan	7.25%	Up to 12 months	$5,000	12 payments of $86.64
Signature	9.99%	Up to 48 months	$20,000	48 payment of $25.36
	10.99%	49 to 60 months	$20,000	60 payments of $21.74
T- Loan	14.00%	Up to 12 months	$850	12 payments of $76.52

_{**2.3% of your outstanding account, Subject to a minimum of $40 or your entire account balance, whichever, is less}

Rates are current as of November 1, 2024. Rates are subject to change.
Stated Annual Percentage Rate (APR) are the lowest rates available for qualified members. An applicant’s interest rate may be higher based upon the individual’s credit history.
Estimated Monthly Payment Per $1,000 borrowed are intended to give you approximate information about your loan payments. Actual payment information may vary slightly. Should you elect to add credit life or disability insurance to your loan, your actual monthly payments will reflect the addition of those premiums.
T-Loan list the only loan rate available for all qualified borrowers. In addition, there is a $1 application fee.

Loan Rates

MasterCard Credit Cards

MasterCard Gold	9.90%	Revolving	$20,000	**3% of your outstanding account balance
MasterCard Secured	9.90%	Revolving	$5,000	**3% of your outstanding account balance

_{**3% of your outstanding account balance, Subject to a minimum of $25 or your entire account balance, whichever, is less}

Important Credit Card Disclosure

Important Credit Card Disclosure
Annual Percentage Rate (APR) For Purchases	4.99%, 5.99%, 6.99% and 8.49% introductory APR for period of six (6) billing cycles based on your creditworthiness. After that your APR will be 9.90% to 13.40% based on your credit worthiness
Annual Percentage Rate (APR) for Balance Transfers	6.99% to 10.49% introductory APR for period of six (6) billing cycles based on your credit worthiness. After that your APR will be 9.90% to 13.40%.
Annual Percentage Rate (APR) for Cash Advances	10.90% to 14.40% based on your credit worthiness
Penalty APR and When It Applies	16.00% This APR may be applied to your account if you : - Make a late payment How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Method of computing the balance for purchases	Average daily balance including new purchases (refer to billing statement for more information)
Fees
Set-up and Maintenance Fees - Annual Fee - Account Set-up Fee - Program Fee - Participation Fee - Additional Card Fee - Application Fee	None None None None None None
Transaction Fees
- Transaction Fees for Purchase - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee	None None 2.5% 1.00% of each transaction in U.S. dollars completed outside the U.S. 0.20% of each transaction in U.S. dollars completed in a foreign currency.
Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee	Up to $25 Up to $25 Up to $25

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

Promotional Period for Introductory APR. This Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first three (3) months following issuance of your card.

Loss of Introductory APR. We may end your introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Secured Consumer Loan Product Name	Annual Percentage Rate	Term	Maximum Loan Amount	Estimated Monthly Payment Per $1,000 Borrowed
Share (Saving ) Secured Loan	2.00% Margin above Share rate up to	up to 60 months	Available Balance	60 payments of $17.53
Zero Share (Saving ) Secured Loan	2.00% Margin above zero share rate	up to 60 months	Available Balance	60 payments of $17.53
Certificate Secured Loan	2.50% Margin above Certificate rate	not to exceed maturity of the certificate	Certificate Face Value	60 payments of $17.75

_{Example 1: Share Account Dividend Rate of 0.00% plus 2.00%= loan rate of 2.00% APR = 60 payments of $17.53

Example 2: Loan rate fixed at 2.00% APR = 60 payments of $17.53

Example 3: Certificate Dividend Rate of 0% plus 2.50% = loan rate of 2.50% APR = 60 payments of $17.75}

Secured Consumer Loan Product Name	Annual Percentage Rate	Term	Maximum Loan Amount	Estimated Monthly Payment Per $1,000 Borrowed
New Vehicle (Auto, Trucks and SUVs)
Up to 80% financing	4.24%	Up to 60 months	$200,000	60 payments of $18.64
	4.50%	61 to 72 months*	$200,000	72 payments of $15.99
	4.74%	73 to 84 months*	$200,000	84 Payments of $14.13
Up to 100% financing	4.50%	Up to 60 months	$200,000	60 payments of $18.76
	4.74%	61 to 72 months*	$200,000	72 payments of $16.10
	5.00%	73 to 84 months*	$200,000	84 Payments of $14.25
Used Vehicles (Auto, Trucks and SUVs)
Up to 80 financing	5.00%	Up to 60 months	$100,000	60 payments of $18.99
	5.24%	61 to 72 months*	$100,000	72 payments of $16.33
Up to 100% financing	5.24%	Up to 60 months	$100,000	60 payments of $19.10
	5.50%	61 to 72 months*	$100,000	72 payments of $16.46
Older Used Vehicle
Up to 100% financing	7.25%	Up to 36 months		60 payments of $30.99
Motorcycles, All Terrain Vehicles (ATVs) and Jet Ski's
New Motorcycle, ATVs, and Jet Skis	7.49%	Up to 60 months		60 payments of $20.03
Used Motorcycle, ATVs, and Jet Skis	8.49%	Up to 36 months		60 payments of $31.56
New Leisure Vehicles (RVs and, Boats)
Up to 1 model year old	7.99%	Up to 60 months		60 payments of $20.27
	9.49%	61 to 120 months		120 payments of $12.93
Used Leisure Vehicles (RVs and Boats)
Up to 6 model years old	8.49%	Up to 60 months		60 payments of $20.51
	10.49%	61 to 120 months		120 payments of $13.49

Loans terms available up to 84 months.
New vehicle financing up to 100% includes M.S.R.P., plus taxes, tags, GAP insurance and extended warranty.
Used vehicle financing on models 1-9 years old is up to 100% of N.A.D.A. suggested average retail value, plus taxes, tags, GAP insurance and extended warranty. No financing past the 10th year of vehicle life.
Reduced rates for 80% or less financing, when offered, are not applicable to refinancing.
Stated APR is the lowest rate available for qualified members. An applicant’s actual rate may be higher based upon credit worthiness.
Estimated Monthly Payment Per $1,000 borrowed are intended to give you approximate information about your loan payments. Actual payment information may vary. Should you elect to add credit life or disability insurance to your loan, your actual monthly payments will reflect the addition of those premiums.

Home Equity Products	Annual Percentage Rate	Term
Second Trust Loan As Low As
HELOC - LTV up to 80% (6)	8.00%	Up to 300 months
Super Home Equity Line of Credit
SHELOC - LTV up to 80% (3)	7.00%	Up to 360 months
Home Equity Line of Credit
Second Trust Loan - LTV up to 80% (4)	6.99%	Up to 180 months

Rates are current as of November 1, 2024. Rates are subject to change.
Stated Annual Percentage Rate (APR) are the lowest rates available for qualified members. An applicant’s rate may be higher based upon credit worthiness.
The Super Home Equity Line of Credit (SHELOC) rate listed is as low as prime floating minus 1% or as high as prime floating plus 2%, with an interest rate floor of 3.25%. The interest rate can adjust monthly on the 15th day of each month, based on the prime rate on the 1st day of the month.
The Home Equity Line of Credit (HELOC) is as low as prime floating and as high as prime floating plus 2% as listed in the Wall Street Journal with an interest rate floor of 6%. Subject to change quarterly.
Estimated cost associated with Super Home Equity Line of Credit, Home Equity Line of Credit and Second Trust Loan are:
- Closing cost $1800 to $2500
- Appraisal cost $525 to $650
- Flood Report $12

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