Current Rates      Rates effective as of August 1, 2010. Rates are subject to change.

     Loan Products:
     Deposit Products:
 
  APY=Annual Percentage Yield; APR=Annual Percentage Rate
 
Auto Loans
  • The value of used collateral is determined by the NADA Retail value. If this is not available then the value will be determined by an appraisal performed by a disinterested third party at the members expense. Please call for details.
  • Loans for 24, 36, 48, and 60 months require $5,000 financing.
  • A 72-month loan requires $20,000 financing.
  • Loans for 84, 120, and 144 months require $35,000 financing.
 
Fixed Rate Loan Accounts Maximum Term
(in months)		 APR % Daily
Periodic Rate %
New Titles (Up to 100% of Purchase Price)
Auto only 24† 2.50 0.006849
Auto only 36† 3.50 0.009589
Auto, Boat, RV, Motorcycle 48 3.99 0.010932
Auto, Boat, RV, Motorcycle 60 3.99 0.010932
Auto, Boat, RV 72 4.49 0.012301
Auto, Boat, RV 84 5.60 0.015342
Boat, RV 120 7.80 0.021370
Boat, RV 144 8.05 0.022055
Used Titles (Up to 100% of NADA Retail)
Auto, Boat, RV, Motorcycle 36 4.49 0.012301
Auto, Boat, RV, Motorcycle 48 4.49 0.012301
Auto, Boat, RV, Motorcycle 60 4.49 0.012301
Auto, Boat, RV 72 4.79 0.013123
Auto, Boat, RV 84 6.10 0.016712
Boat, RV 120 8.80 0.024110
Boat, RV 144 9.30 0.025479
† Not available through dealers in the Credit Union Auto Loan Network. Rates not available for refinance of Tower Loan or in combination with New Member Discount.
return to top
 
MasterCard®
 
APR
Gold Card 10.9%
Standard Card 10.9%
Additional Disclosures
return to top
 
Mortgages, Home Equity and Bridge Loan Rates

To review mortgage, equity or bridge loan rates, select:

Loan Consultant: Get all the details on rates, fees and closing costs. Enter your answers to general questions to compare which of many loan options will fit your needs best: determine how much you can afford, how much income you will need and what your monthly payments will be.

Current rates: Links to PDF.
 Adobe® Reader® is required to view PDF documents. Download it now for free.

Apply online today!
For additional information about rates or applying for a mortgage, home equity or bridge loan, call a loan advisor at 301-497-7000 or 800-787-8328.

Let Your Home Investment Pay for Essentials

 
EZLine—Personal Line of Credit

Rates are subject to change.
 
Credit Limit % Above
Index		 Daily
Periodic Rate %		 APR %
$1,000 - $2,000 3.90 0.019589 7.15
$2,500 - $9,500 2.90 0.016849 6.15
$10,000 - $20,000 1.90 0.014110 5.15
Additional Disclosures
return to top
 
Education Loans

Rates are subject to change.
 
Maximum Term Basis Points
Above Index		 APR % Daily
Periodic Rate %
Variable Rate
12 months 0 7.25 0.019863
60 months 75 8.00 0.021918
120 months 150 8.75 0.023973
Additional Disclosures
return to top
 
Share Secured Loans

Rates are subject to change.
 
Variable Rate
% Above
Index
Daily
Periodic Rate %
APR %
Share Secured
3.00
0.009726
3.55
return to top
 
Certificate Secured Loans

Rates are subject to change.
Fixed Rate 3% Above the Certificate Rate
Variable Rate Maximum Term
(in months)		 APR % Daily
Periodic Rate %
Extended Term* 144 3.55 0.009726
*Additional Disclosures
return to top
 
Other Secured Loans

Rates are subject to change.
 
Maximum Term APR % Daily
Periodic Rate %
Fixed Rate
36 months 7.75 0.021233
48 months 7.75 0.021233
60 months 7.75 0.021233
72 months 8.75 0.023973
*Additional Disclosures
return to top
 

Signature/Co-Applicant

Rates are subject to change.

 
Maximum Term Basis Points
Above Index		 APR % Daily
Periodic Rate %
Fixed Rate
12 months - 10.25 0.028082
24 months - 11.00 0.030137
36 months - 11.75 0.032192
48 months - 12.50 0.034247
60 months - 13.25 0.036301
*Additional Disclosures
return to top
 
Checking and Money Market Accounts
  • Fees can reduce earnings.
  • Rates are subject to change.
 
Checking Dividend Rate APY % Minimum
to open
Regular Checking 0.20% 0.20 $10
Request Checking 0.20% 0.20 $10
Money Market Dividend Rate APY %  Minimum
to open
Whole balance from $0.00 to $2,499.99 0.20% 0.20 $2,500
Whole balance from $2,500.00 and above 0.65% 0.65 $2,500
Additional Disclosures
return to top
 
Prime Share and Club Accounts
  • Fees can reduce earnings.
  • Rates are subject to change.
Tower's Super Savers Sweepstakes
 
  Dividend Rate % APY % Minimum
to open
Prime Share 0.55 0.55 $5
Holiday Club 0.55 0.55 $5
You Name It Club 0.55 0.55 $5
IRA Club 0.55 0.55 $5
Additional Disclosures
return to top
Share Certificates
  • Fees can reduce earnings.
  • Rates are subject to change.
  • Withdrawal of all or part of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
 
Term Dividend Rate% APY% Minimum Deposit
Regular Share Certificates
6-month 0.55 0.55 $500
1-year 0.65 0.65 $500
2-year 1.19 1.20 $500
3-year 1.64 1.65 $500
4-year 1.88 1.90 $500
5-year 2.37 2.40 $500
Bump-Up Share Certificates
4-year Bump-Up 1.64 1.65 $5,000
5-year Bump-Up 2.13 2.15 $5,000
Mini-Jumbo Share Certificates
4-year Mini-Jumbo 2.03 2.05 $20,000
5-year Mini-Jumbo 2.52 2.55 $20,000
Jumbo Share Certificates
30-90 days 0.55 0.55 $100,000
91-182 days 0.60 0.60 $100,000
183-273 days 0.65 0.65 $100,000
274-365 days 0.70 0.70 $100,000
return to top
IRA Share Certificates and IRA Club Account
  • Fees can reduce earnings.
  • Rates are subject to change.
  • Withdrawal of all or part of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.
 
Term Dividend Rate% APY% Minimum Deposit
Regular IRA Share Certificates
1-year 0.65 0.65 $500
2-year 1.19 1.20 $500
3-year 1.64 1.65 $500
4-year 1.88 1.90 $500
5-year 2.37 2.40 $500
Bump-Up IRA Share Certificates
4-year Bump-Up 1.64 1.65 $5,000
5-year Bump-Up 2.13 2.15 $5,000
Mini-Jumbo IRA Share Certificates
4-year Mini-Jumbo 2.03 2.05 $20,000
5-year Mini-Jumbo 2.52 2.55 $20,000
IRA Club Account
  0.55 0.55 $5 Initial Deposit
return to top