Products & Services - Rate Sheets


Telco Investment Rates Effective Date: 05/11/2009
Investment Instrument Minimum Balance Rate *APY
Regular Share Account
$50.00
0.50% 0.50%
ELITE Share Draft Checking Account
$2,500.00
0.25% 0.25%
Special Savings Account
$50.00
0.50% 0.50%
Christmas Club Account
$5.00
0.50% 0.50%
All Star Savers UTMA Account (Kid's Account)
$5.00
3.50% 3.82%
Regular Money Market Account
$2,500.00
1.00% 1.26%
IRA
No Minimum
1.50% 2.27%





Regular and IRA Certificates
  Minimum Balance Rate *APY
3-Month
$500.00
1.54% 1.55%
6-Month
$500.00
2.52% 2.55%
1-Year
$500.00
2.73% 2.76%
2-Year
$500.00
3.15% 3.20%
3-Year
$500.00
3.40% 3.45%
4-Year
$500.00
3.54% 3.60%
5-Year
$500.00
3.74% 3.80%

* Dividend rates are subject to change without notice. Dividends are calculated on the daily balance, posted monthly, and compounded monthly. Certificate rates are subject to change at any time and are not guaranteed until certificate and membership are opened. Penalties for early withdrawals may apply. Members having regular or IRA certificates with maturity dates from two to five years have the option of exchanging the existing rate for the current rate once during the term of the certificate.




April 2009 Consumer Loan Best Rates
Loan Type Down Payment Loan Term APR




Auto/Truck - New or Used   3 Years (36 Months)
5.19%
Auto/Truck - New or Used   4 Years (48 Months)
5.39%
Auto/Truck - New or Used   5 Years (60 Months)
5.79%
Auto/Truck - New or Used   6 Years (72 Months) over $20,000
6.29%
Auto/Truck - New   7 Years (84 Months) over $30,000
7.79%
Auto/Truck - 2004 to 1999 (Used) NADA Wholesale 3 Years (36 Months)
8.29%





Unsecured Loan (Signature)

4 Years (48 Months)
9.49%




VISA (Gold) Unsecured
Line of Credit
6.90%
VISA (Classic) Unsecured
Line of Credit
10.90%
VISA (Classic) Secured
Line of Credit
7.90%





Boat, Motor, Trailer - New or Used

4 Years (48 Months)
5.59%
Boat, Motor, Trailer - New or Used
5 Years (60 Months)
5.99%
Boat, Motor, Trailer- New or Used
6 Years (72 Months)
6.49%
Boat, Motor, Trailer- New or Used 10% 10 Years (120 Months) over $30,000
7.99%





Share Certificate

Certificate Maturity - Balloon
2.99%
Above Share Certificate

Share Secured (Savings)

3 Years (36 Months) with Balloon
3.49%

Money Market

3 Years (36 Months) with Balloon
4.29%

Stock

3 Years (36 Months)
6.79%
Stock
7 Years (84 Months)
7.99%





Mobile Home-New
10% 10 Years (120 Months)
9.49%

Mobile Home-New

10 Years (120 Months)
9.99%

Mobile Home-Used
NADA Retail 7 Years (84 Months)
9.99%





Motorcycle, ATV-New or Used

5 Years (60 Months)
5.99%





Recreational Vehicle-New or Used

5 Years (60 Months)
6.99%

Recreational Vehicle-New or Used

6 Years (72 Months)
7.49%
Recreational Vehicle-New or Used
10 Years (120 Months) Over $30.000
8.79%

$5.00 Application Fee due at the time of application, excluding VISA.
The above rates will be reduced an additional 0.50% with automatic deduction from Baton Rouge Telco checking account and direct deposit relationship (excluding Visa). All rates are subject to credit qualifications and lending guidelines. Your rate will be based on your qualifications.




Mortgage Loan Rates Effective Date 04/14/2009 thru 04/20/2009
Loan Type Maximum Financing APR
     
First Mortgages - Purchase & Rate/Term Refinance
APR*
15 Year Fixed Rate Up to 95%
 
    $0 - $99,999
4.375%
    $100,000 - $199,999
4.250%
    $200,000 to $416,999
4.125%
    $417,000 to $1,000,000
4.750%
30 Year Fixed Rate Up to 95%
 
    $0 - $99,999
4.875%
    $100,000 - $199,999
4.750%
    $200,000 to $416,999
4.625%
    $417,000 to $1,000,000
5.750%
First Mortgages - Refinance Cash/Equity Out
APR*
15 Year Fixed Rate Up to 80%
 
    $0 - $99,999
4.875%
    $100,000 - $199,999
4.750%
    $200,000 to $416,999
4.625%
    $417,000 to $1,000,000
5.250%
30 Year Fixed Rate Up to 80%
 
    $0 - $99,999
5.375%
    $100,000 - $199,999
5.250%
    $200,000 to $416,999
5.125%
    $417,000 to $1,000,000
6.250%
     
*All rates, fees and terms are subject to change, not guaranteed and are based on credit qualifications and lending guidelines. Please call the credit union for the most current rate.    
     
Home Equity (Line of Credit) Only $99.00 Processing Fee Up to 80%
4.00%
Second Mortgage - Fixed (Up to 10 Years) Up to 80%
6.75%
Land/Lot - Fixed (Up to 5 years) Up to 80%
6.75%
Mobile Home & Land (up to 15 years) Up to 80%
8.00%
      The credit union will use the current Prime Interest Rate (located in Key Interest Rates section of the WSJ) to determine the above mortgage loan rates. Home Equity loans require an initial loan advance of $10,000.00.