Home Loan Rates

Home Equity Line of Credit
Premier Plan*	Preferred Plan*
2.74%(APR) *Variable Rate Plan	3.74%(APR) *Variable Rate Plan
Individual credit qualifications will determine your plan and rate Initial rate is discounted for the first 12 months, thereafter prime rate plus 0% for the life of the loan Index is the Prime Rate as published in the Wall Street Journal 30 days prior to the anniversary date Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor rate of 4.00%, except for the introductory rate offered.	Individual credit qualifications will determine your plan and rate Initial rate is discounted for the first 12 months, thereafter prime rate plus 1.00% for the life of the loan Index is the Prime Rate as published in the Wall Street Journal 30 days prior to the anniversary date Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor rate of 5.00%, except for the introductory rate offered.
*Current Prime Rate as of 01/01/2012 is 3.25% Maximum Loan to value 80% • 20 Year Repayment • 10 Year Draw Period Minimum Line of Credit Amount - $10,000 • Maximum Line of Credit - $250,000

Home Equity Fixed Rate Loans
Term	Rates (as low as) •1st or 2nd-Lien Holder Position Loan to Value up to 50%	Rates (as low as) •1st or 2nd-Lien Holder Position Loan to Value of 50.01% to 80%
5 Years (60 Month) 10 Year (120 Month) 15 Year (180 Month)	3.25% (Monthly payment per $1,000 - $18.07) 3.99% (Monthly payment per $1,000 - $10.11) 4.50% (Monthly payment per $1,000 - $7.64)	4.25% (Monthly payment per $1,000 - $18.52) 4.99% (Monthly payment per $1,000 - $10.60) 5.50% (Monthly payment per $1,000 - $8.17)
Minimum Loan Amount - $10,000 • Maximum Loan Amount - $250,000
Max Home Equity Fixed Rate Loan
Term		Rates (as low as )
5 Year (60 Month) 10 Year (120 Month) 15 Year (180 Month)**		6.50% (Monthly payment per $1,000 - $19.56) 7.15% (Monthly payment per $1,000 - $11.68) 7.50%** (Monthly payment per $1,000 - $9.27)
**Eligible borrowers between the premier plus and preferred plus qualify for the maximum term of 15 years for the max home equity. Minimum Loan Amount - $10,000 • Maximum Loan Amount - $50,000 • Loan to Value 80.01% to 90%

Home Improvement Loan
Term	Fixed Rates (as low as)***
3 Year (36 month) 4 Year (48 month) 5 Year (60 month)	6.74% (Monthly payment per $1,000 - $30.75) 7.40% (Monthly payment per $1,000 - $24.13) 7.74% (Monthly payment per $1,000 - $20.15)
Loan amounts from $1,000 to $20,000 ***The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT checking account.

Important Facts

APR= Annual Percentage Rate, Interest rates are quoted using a range from the Minimum APR to the Maximum APR, your individual credit qualifications will determine rate and term within the respectable ranges.

Rates are subject to change without prior notice and are accurate as of January 3, 2012. 

 This credit union is federally insured by the National Credit Union Administration. 

Loans granted to members only, contact us for membership eligibility requirements.