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Teamsters Council #37
Federal Credit Union
1866 NE 162ND AVE, Portland, OR 97230
1-800-547-7657 or (503) 251-2390
Fax (503) 251-2396 member services or (503)251-2310 Loan Dept. |
| **Permanent Promotion -- We'll take 1%
off the rate you're paying on loans from other Lenders when you finance with us. Excludes
Real Estate Loans, Credit Cards, Lines of Credit, and existing TCU loans. Some
restrictions apply. See loan department for details. |
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| Current Loan Rates |
| Secured Loans |
4.99% - 17.99% APR |
| Signature |
10.49% - 17.99% APR |
| Line of Credit |
10.49% - 17.99% APR |
| MasterCard |
variable 8.49% - 17.99% APR |
Share Secured
Certificate
Severance |
3% above APY |
1st Mortgage
Owner Occupied |
6.125% - 8.875% APR * 80% RMV |
2nd Mortgage
Owner Occupied |
7.00% - 10.625% APR * 80% RMV |
Home Equity LOC Fixed for Five
5 year Draw & 15 year repay |
variable 5.50% APR 80% RMV |
| Unimproved Property |
9.625 - 14.625 APR * 75% of Appraisal |
| * Rates shown are a range of APR's offered. Actual
APR approved based on member's Beacon score and credit qualifications. The maximum loan
rate is 17.99%. Rates current as of 7/28/08. Credit Union may offer other rates or
promotions in the future. Real Estate rates subject to change daily. Below for additional
disclosures. |
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Maximum unsecured loan amount to any one member is $10,000. Loan and terms are subject to
credit approval. Maximum secured loan to any one member is $150,000. Loan and terms are
subject to credit approval. Rates and terms are subject to change without prior notice.
Equal Housing Opportunity.
| * |
|
Annual Percentage Rate |
| ** |
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Some restrictions may apply. Collateral value
determined by Kelley Blue Book and adding or subtracting for mileage, equipment, etc.
Please contact our loan department for details. |
| *** |
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Real Estate Secure loans require a 1% loan fee
and closing costs, which will increase APR. All Real Estate loans over $100,000 require an
appraisal. Maximum Loan $150,000. Some restrictions apply. For example, on a 60 month
First Mortghage there would be 60 monthly payments of $19.16 per $1,000 borrowed. Please contact
the loan department for details. 80% of appraisal financing available only on purchase
loans. |
| **** |
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Annual Percentage Rate shown is for 1st and
2nd trust deed Heloc's. Rate is variable and tied to an index. Rate can change at end of
five years. Rate cannot exceed 18% APR Maximum Loan $150,000. Credit Union has option of
extending initial 5 year draw period another 5 years. 15 year fixed payment, schedule
follows draw period. Minimum payment during draw period is 1% of balance. Minimum payment
during fixed payments is $50.00.
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| MASTERCARD®
SECURE CARD DISCLOSURE OF TERMS |
|
Annual
Percentage
Rate |
Variable
Rate
Information |
Annual
Fee |
Grace Period
for Purchases |
Minimum
Finance
Charge |
|
8.49%
17.99% |
Not applicable Fixed Rate |
None |
You have 25 days after we send your billing
statement to repay your balance for purchases and/or cash advances before being charged a FINANCE
CHARGE. |
None |
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| Balance Calculation Method for Purchases
and Cash Advances |
Transaction Fee for Purchases |
Transaction Fee for Cash Advances |
Late Payment Charge |
| "Average Daily Balance, including current
purchases" |
None |
None |
$10.00 |
The disclosures stated above are rates in
effect as of the printing date, and are subject to change. You may contact us for current
rates or changes at 503-251-2390 or write P.O. Box 20849, Portland, Oregon 97294-0849.
To report your card lost or stolen please call 1-800-449-7728. |
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