Home Equity

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Home Equity Fixed Home Equity Line of Credit	Max Equity (Loan to Value 80.01% to 90% Max Equity (Loan to Value 90.01% to 100%

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Don't forget about our Money Market Special accounts and IRA's.

Use a Home Equity Loan To:

Make improvements to your home
Consolidate your bills
Take that vacation you've been wanting
Pay for schooling needs
Cover the cost of a wedding
Purchase a vehicle
Many other reasons to make your life easier

Repayment	Rate
Premier - 20 Years	5.00% APR (Prime + 0% for Life)
Preferred - 20 Years	min. 6.00% APR (Prme + 0 for Life)

Home Equity Variable-Rate Loan Notes:

Quoted "Premier" rate is valid for the first year of the loan. The rate will be adjusted to the prime rate as published in the Wall Street Journal, 30 days prior to the annual interest rate adjustment.
When prime falls below 6.00%, TCT reserves the right to hold your rate at 6.00%. If we agree to adjust your rate below 6.00%, that does not require us to continue to maintain that agreement, if prime continues to be lower than 6.00%. Regardless your rate will not rise more than 2% per year.
The closing costs for the loan will be the New York State Mortgage Tax, and filing fee.
Title insurance may be required for loans over $50,000
Credit restrictions apply
All rates are subject to change without advance notice
TCT is not responsible or liable for typographical errors regarding posted rates
Contact your tax advisor for tax deduction purposes

Most banks and even other credit unions have commissioned tellers and loan officers. TCT does not have commissioned staff because that is not in your best interest. Fees are not in your best interest either, that is why our fees are much lower than banks and other credit unions.

Loan Term	Premier Plus	Premier	Preferred Plus	Preferred I	Preferred II	Preferred III
5 Years	5.35%	5.57%	5.86%	6.67%	8.60%	10.54%
10 Years	6.00%	6.22%	6.51%	7.32%	9.25%	11.19%
15 Years	6.55%	6.77%	7.06%	7.87%	9.80%	11.74%

Home Equity Fixed-Rate Loan Notes:

Please contact us for Loan Term and Rate Conditions
Credit restrictions apply
All rates are subject to change without advance notice
TCT is not responsible or liable for typographical errors regarding posted rates
Eligible borrowers need condition of home to be designated as at least "Good" by our certified appraiser
Contact your tax advisor for tax deduction purposes

Loan Term	Premier Plus	Premier	Preferred Plus	Preferred I	Preferred II	Preferred III
5 Years	6.50%	6.72%	7.01%	7.82%	9.75%	11.69%
10 Years	7.15%	7.37%	7.66%	8.47%	10.40%	12.34%
15 Years	7.50%	7.72%	8.01%	NA	NA	NA

Max Equity Loan Notes:

Please contact us for Loan Term and Rate Conditions
Credit restrictions apply
All rates are subject to change without advance notice
TCT is not responsible or liable for typographical errors regarding posted rates
Eligible borrowers need condition of home to be designated as at least "Good" by our certified appraiser
Contact your tax advisor for tax deduction purposes

Loan Term	Premier Plus	Premier	Preferred Plus	Preferred I	Preferred II	Preferred III
5 Years	6.99%	7.21%	7.50%	8.31%	10.24%	12.18%
10 Years	7.65%	7.87%	8.16%	8.97%	10.90%	12.84%
15 Years	7.99%	8.21%	8.50%	NA	NA	NA

Max Equity Loan Notes:

Please contact us for Loan Term and Rate Conditions
Credit restrictions apply
All rates are subject to change without advance notice
TCT is not responsible or liable for typographical errors regarding posted rates
Contact your tax advisor for tax deduction purposes

TCT Federal Credit Union is a federally regulated financial institution. Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution.
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