Current Rates

Loan Rates

Loan rates effective May 1, 2018

Loan Type	Annual Percentage Rate	Term / Notes
Auto Loans (New) Auto Loans (Used) Includes Trucks and Vans Conventional Loan	Rates as low as 1.99%* Rates as low as 2.74% CLICK HERE for DISCOUNT LIST Fixed Rate	LIMITED TIME SPECIAL 90 DAYS WITH NO PAYMENT
Recreational Vehicles (New and Used) Includes Boats, RVs, Motorcycles, Jet Skis and Snowmobiles (if titled)	Rates as low as 3.24%* CLICK HERE for DISCOUNT LIST Fixed Rate	LIMITED TIME SPECIAL 90 DAYS WITH NO PAYMENT
Bill Consolidation and Signature Loans	Rates as low as 9.99%*	Up to 60 months
MOD (Money-On-Demand Line of Credit)	15.00%	N/A
VISA	15.24%	With 25 day grace period
Home Equity	As low as Prime minus 0.25%	80% LTV=Prime minus 0.25%, available in OH, IN, KY, PA, TN, MI, GA, IL, MO, NJ, NC, SC
Second Mortgage	4.24% ( 5 yr. ) 4.49% (10 yr.) 4.75% (15 yr.)	Fixed rate, available in Ohio only
First Mortgage	Call for current rates	Fixed / Variable, 15-30 year terms, available only in Ohio
Stock Secured Loans	8.50%	N/A
Share Secured Loans	3.00% above primary share, term share certificates and money market rate: not lower than designated floor rate	N/A

* Standard underwriting criteria, terms and conditions apply. A $50.00 loan processing fee will apply. Other restrictions may apply. Limited time offer. Taleris Credit Union reserves the right to terminate this promotional offer at any time. Loan approval is not guaranteed. Interest rate based on credit history plus number of years financed.
APR = Annual Percentage Rate.

Loan Rate Discounts

20% down payment, payroll deduction and Green Saver package (in combination) = 1.00% discount
Direct Deposit of Net Pay (new) = 0.50% discount OR (only 1 discount applies) Automatic Payroll Payment of a Loan = 0.25% discount
Green Saver (new) (Bill Pay, E-Statements, & Debit Card) = 0.25% discount
Fuel Efficient or Hybrid vehicle purchase = 0.10% discount Fuel Efficient Autos, which are five years old or less, and get 30 mpg Hwy or more, and have less than 75,000 mile

The maximum rate discount a member may earn on any one loan is 1.00%. However, at no time will the member’s rate with discounts go lower than the credit union’s designated floor rate (2.24% APR as of April 26, 2017) or current promotional rate.

Discounts do not apply to all lending products (does not include: MOD, VISA, Home Equity and Mortgages).

For more information on TCU Loan Rate Discounts, please contact a Loan Representative at 800.828.6446.

Term Share Certificates

Effective Date: May 23, 2018

Term (Months)	*Yield (APY)**	Dividend Rate
3 to 5	0.30%**	0.300%**
6 to 11	0.50%**	0.449%**
12 to 17	1.30%**	1.294%**
18 to 23	1.40%**	1.393%**
24 to 29	1.55%**	1.541%**
30 to 35	1.65%**	1.640%**
36 to 47	1.75%**	1.739%**
48 to 59	1.85%**	1.837%**
60	2.00%**	1.985%**

*APY = Annual Percentage Yield

IRA (Individual Retirement Account) Certificates

Effective Date: May 23, 2018

$500 minimum deposit required | Rate Adjusted Weekly | Calculated daily | *Dividends paid at maturity | **Dividends paid quarterly
Includes Traditional IRA, Roth IRA and Coverdell Educational Savings Account

Term (Months)	*Yield (APY)**	Dividend Rate
3 to 5	0.15%**	0.150%**
6 to 11	0.30%**	0.300%**
12 to 17	0.50%**	0.499%**
18 to 23	0.55%**	0.549%**
24 to 29	0.75%**	0.748%**
30 to 35	1.00%**	0.996%**
36 to 47	1.20%**	1.195%**
48 to 59	1.25%**	1.244%**
60	1.50%**	1.492%**

*APY = Annual Percentage Yield

IRA (Individual Retirement Account) Savings

Effective Date: May 23, 2018

$100 Minimum Deposit | Rate adjusted monthly | Calculated daily | Paid quarterly

*Yield (APY)**	Dividend Rate
0.20%	0.200%

*APY = Annual Percentage Yield

Money Market Share Account (MMSA)

Effective Date: May 23, 2018

$100 Minimum Deposit | Rate adjusted weekly | Calculated daily | Dividends calculated daily | Paid monthly

Deposit Category	*Yield (APY)**	Dividend Rate
$100 – $4,999	0.10%	0.100%
$5,000 – $24,999	0.15%	0.150%
$25,000 – $49,999	0.30%	0.300%
$50,000 and over	0.40%	0.399%