"We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report."
Vehicle Rates as low as 2.99% for 2020 or newer. Rates are based on credit score. Terms out as far as 84 months at 4.75%. Contact the credit union for more information.
*Rates are subject to change without notice. Please contact the credit union to get current rate information
*A penalty is imposed for early withdrawal on Certificates of Deposit
| Loan Rates | |||
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Vehicle Rates as low as 2.99%. Rates are based on credit score. Terms out as far as 84 months at 4.75%. Contact the credit union for more information. *Rates are subject to change without notice. Please contact the credit union to get current rate information |
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| 2020 and Newer vehicles | 2.99% | Up to 48 Months | |
| 3.50% | 60 Months | ||
| Used vehicles 2019-2012 | 3.75% | Up to 48 Months | |
| 4.00% | 60 Months | ||
| 4.25% | 72 Months (Min $15,000) | ||
| 4.75% | 84 Months (Min $25,000) | ||
| 2011 and Older | 5.00% | ||
| Unsecured Loans up to $10,000 | 7.00% | 12-36 Months | |
| Unsecured Loans $10,001 up to $20,000 | 9.95% | 12-36 Months | |
| Revolving Credit Loan | 13.90% |
| Overdraft Line of Credit | 14.90% |
| Visa Classic Credit Card | 11.90% Default annual percentage rate 14.90% |
| Visa Gold Credit Card | 9.90% Default annual percentage rate 11.90% |
| Visa Secured Card | 9.90% No default annual percentage rate |
| Secured Shared Loans 3% above pledge share account dividend rate. Term: 1 month to 120 months. |
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| Rates posted are the lowest possible rates. Rates may vary depending on past credit history and credit score. Rates are subject to change. Call the Credit Union for additional loan details. *APR = Annual Percentage Rate |
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| Share and CD Secured | |
| 6 Months | Dividend Paid 0.20% +3% = APY* |
| 12 Months | Dividend Paid 0.40% + 3% = APY* |
| 24 Months | Dividend Paid 0.65% + 3% = APY* |
| 36 Months | Dividend Paid 0.80% + 3% = APY* |
| 60 Months | Dividend Paid 1.00% + 3% = APY* |
| Rate is based on current dividend being paid on Share Certificates of Deposit and Loan term requested. Rates are subject to change without notice. * APY = Annual Percentage Yield |
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| Certificate of Deposit ($2,000 Minimum) | |
| 6 Months | 0.20% (0.20% APY*) |
| 12 Months | 0.40% (0.40% APY*) |
| 24 Months | 0.65% (0.65% APY*) |
| 36 Months | 0.80% (0.80% APY*) |
| 60 Months | 0.80% (0.80% APY*) |
| Rates are subject to change without notice. * APY = Annual Percentage Yield |
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| Shares | ||
| Dividend | APY* | |
|---|---|---|
| Share (Savings) | ||
| $100 to $9,999 | 0.05% | 0.05% |
| $10,000 to $99,999 | 0.10% | 0.10% |
| $100,000 and Over | 0.25% | 0.25% |
| IRA's ($100 and Over) | 0.25% | 0.25% |
| Share Drafts | 0.00% | 0.00% |
| Travel Club ($100 and Over) | 0.05% | 0.05% |
| Rates are good until 12-31-2021 and are subject to change. Please contact the credit union to get current rate information. * APY = Annual Percentage Yield |
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Rates could be reduced an additional .50% if direct deposit excluding VISA, mortgages, revolving credits, and overdrafts.
Tandem Federal Credit Union has established a policy of making sound loans to all qualified members regardless of race, color, national origin, religion, sex, marital status, age, receipt of public assistance, age or location of dwelling used as security or the borrower's good-faith exercise of rights under the Consumer Credit Protection Act, the Fair Housing Act and the Equal Credit Opportunity Act. It is the policy of Tandem Federal Credit Union to comply with all Federal and State Laws and Regulations including, but not limited to, the Civil Rights Act of 1968, the Consumer Credit Protection Act of 1968, the Real Estate Settlements Procedure Act, the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act of 1975.
