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Loans | Savings | Certificates | Mortgages
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Rates quoted for loans are based on TPSCU's risk-based pricing program. The rate you pay on your loan is determined by your credit report score and the term of your loan. Members with excellent credit report scores will receive our very best rates; other members, who may be just starting to build their credit or who may have had past credit problems, will be assigned rates consistent with their credit report score. All rates are subject to change without notice. Other rates and terms may apply. For more information call our Angola Road office at (419) 381-2323 or our Elm Street location at (419) 726-1539.
Rates as of May 20, 2008
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Loans - New and Used Titled Auto/Truck/Van/SUV/Motorcycles/RV's/Campers/Jet Skis/Snowmobiles/Boats
| CREDIT RATING |
A+ |
A |
B |
C |
D |
| SCORE |
720+ |
680-719 |
650-679 |
620-649 |
575-619 |
| TERM |
Rate |
APR* |
Rate |
APR* |
Rate |
APR* |
Rate |
APR |
Rate |
APR* |
| 48 months 01 & 02 max term |
5.74% |
6.12% |
6.50% |
6.89% |
7.75% |
8.14% |
11.00% |
11.40% |
14.00% |
14.41% |
| 60 months 03, 04, 05 & 06 < $15,000 |
5.74% |
6.05% |
6.50% |
6.81% |
7.75% |
8.07% |
11.00% |
11.33% |
14.00% |
14.34% |
| 72 months 07 & 08 and 06 >= $15,000 |
5.74% |
6.00% |
6.50% |
6.77% |
7.75% |
8.02% |
11.00% |
11.28% |
14.00% |
14.29% |
| 84 months 07 & 08 and 06 >= $30,000 |
6.74% |
6.98% |
7.50% |
7.74%
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8.75% |
8.99% |
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*APR = Annual Percentage Rate
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Boats, RV's, and campers $25,000 or more may go up to 120 month term; add 1% to 84 month rate.
* APR = Annual Percentage Rate. APR is based on a $20,000 loan with a $150 loan processing fee.
NO CLOSING COSTS OR ANNUAL FEE FOR HOME EQUITY LOANS. $125 APPLICATION FEE WHICH IS REFUNDED AT CLOSING. PREPAYMENT FEE MAY APPLY. 4.50% BEST RATE ON OUR HOME EQUITY LINE OF CREDIT. PRIME MINUS .50% FOR THE LIFE OF THE LOAN. NO MINIMUM DRAW REQUIREMENT.
Flexible Home Equity Line of Credit -Rate adjusts quarterly(90% Max LTV)
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| SCORE |
720+ |
680-719 |
640-679 |
600-639 |
550-599 |
| TERM |
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| Up to 180 months |
4.50% |
5.00% |
5.50% |
6.00% |
7.00% |
Fixed Home Equity (90% Max LTV)
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| SCORE |
720+ |
680-719 |
640-679 |
600-639 |
550-599 |
| TERM |
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| Up to 60 months |
6.00% |
6.25% |
7.00% |
7.50% |
8.50% |
| 61 to120 months |
6.25% |
6.50% |
7.25% |
7.75% |
8.75% |
| 121 to 180 months |
6.50% |
6.75% |
7.50% |
8.00% |
9.00% |
Personal Unsecured Loans
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| SCORE |
720+ |
680-719 |
640-679 |
600-639 |
550-599 |
| TERM |
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| Up to 60 months |
11.75% |
12.25% |
13.25% |
14.75% |
16.75% |
| As of last dividend period September 30,2008 |
| Certificates - Minimum amount $ 500 |
Dividend Rate |
APY* |
Term |
| 6 month |
2.35% |
2.35% |
6 |
| 9 month |
2.35% |
2.35% |
9 |
| 12 month |
2.65% |
2.65% |
12 |
| 18 month |
2.75% |
2.75% |
18 |
| 24 month |
3.10% |
3.10% |
24 |
| 36 month |
3.30% |
3.30% |
36 |
| 48 month |
3.55%
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3.55% |
48 |
| Money Market |
Dividend Rate
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APY
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| $2500.00 - $9999.99 |
.80% |
.80% |
| $10,000.00 - $24,999.99 |
1.24% |
1.25% |
| $25,000.00 - $49,999.99 |
1.74% |
1.75% |
| $50,000.00 and Up |
2.231% |
2.25% |
Money Market Disclosure
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