Current Rates      Rates effective as of November 20, 2008. 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 36, 48, and 60 months require $5,000 financing.
  • A 72-month loan requires $15,000 financing.
  • An 84-month loan requires $35,000 financing.


 
Fixed Rate Loan Accounts Maximum Term
(in months)		 APR % Mo. Payment
per $100
New Titles (Up to 100% of Purchase Price*)
Auto, Boat, RV, Motorcycle, Mobile Home 36 4.75 2.99
Auto, Boat, RV, Motorcycle, Mobile Home 48 4.75 2.30
Auto, Boat, RV, Motorcycle, Mobile Home 60 4.75 1.88
Auto, Boat, RV, Mobile Home 72 4.75 1.60
Auto, Boat, RV, Mobile Home 84 5.75 1.45
Boat, RV, Mobile Home 120 7.70 1.20
Boat, RV, Mobile Home 144 7.95 1.08
Used Titles (Up to 100% of NADA Retail*)
Auto, Boat, RV, Motorcycle, Mobile Home 36 5.25 3.01
Auto, Boat, RV, Motorcycle, Mobile Home 48 5.25 2.32
Auto, Boat, RV, Motorcycle, Mobile Home 60 5.25 1.90
Auto, Boat, RV, Mobile Home 72 5.25 1.63
Auto, Boat, RV, Mobile Home 84 6.25 1.48
Boat, RV, Mobile Home 120 8.70 1.26
Boat, RV, Mobile Home 144 9.20 1.15
*For mobile homes, up to 80% of Purchase Price or NADA Retail.
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MasterCard®
 
APR
Gold Card 10.9%
Standard Card 10.9%
Additional Disclosures
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Mortgages, Home Equity and Bridge Loan Rates

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

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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.









 
EZLine—Personal Line of Credit

Rates are subject to change.
 
Credit Limit % Above
Index		 Daily
Periodic Rate %		 APR %
$1,000 - $2,000 3.90 0.024384 8.90
$2,500 - $9,500 2.90 0.021644 7.90
$10,000 - $20,000 1.90 0.018904 6.90
Additional Disclosures
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Education Loans

Rates are subject to change.
 
Maximum Term Basis Points
Above Index		 APR % Mo. Payment
per $100
Variable Rate
12 months 0 7.25 8.67
60 months 75 8.00 2.03
120 months 150 8.75 1.26
Additional Disclosures
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Share Secured Loans

Rates are subject to change.
 
Variable Rate Maximum Term
Share Secured 144 months The APR will be adjusted periodically to remain 3% over the Prime Share Rate, which is set at the discretion of Tower Federal Credit Union.
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Certificate Secured Loans

Rates are subject to change.
Fixed Rate 3% Above the Certificate Rate
Variable Rate Extended Term* Up to 144 months 3% Above the Certificate Rate
*Additional Disclosures
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Other Secured Loans

Rates are subject to change.
 
Maximum Term APR % Mo. Payment per $100
Fixed Rate
36 months 8.70 3.17
48 months 8.70 2.48
60 months 8.70 2.07
72 months 9.20 1.82
*Additional Disclosures
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Signature/Co-Applicant

Rates are subject to change.

 
Maximum Term Basis Points
Above Index		 APR % Monthly Payment
per $100
Fixed Rate
12 months - 10.45 8.82
24 months - 11.20 4.68
36 months - 11.95 3.32
48 months - 12.45 2.66
60 months - 12.70 2.27
*Additional Disclosures
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Checking and Money Market Accounts
  • Fees can reduce earnings.
  • Rates are subject to change.
 
Checking Dividend Rate APY % Minimum
to open
Regular Checking 0.25% 0.25 $10
Request Checking 0.25% 0.25 $10
Money Market Dividend Rate APY %  Minimum
to open
Whole balance from $0.00 to $2,499.99 0.25% 0.25 $2,500
Whole balance from $2,500.00 and above 2.13% 2.15 $2,500
Additional Disclosures
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Prime Share and Club Accounts
  • Fees can reduce earnings.
  • Rates are subject to change.
 
  Dividend Rate % APY % Minimum
to open
Prime Share 1.50 1.51 $5
Holiday Club 1.50 1.51 $5
You Name It Club 1.50 1.51 $5
IRA Club 1.50 1.51 $5
Additional Disclosures
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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 2.47 2.50 $500
1-year 2.96 3.00 $500
2-year 3.20 3.25 $500
3-year 3.69 3.75 $500
4-year 3.93 4.00 $500
5-year 4.17 4.25 $500
Bump-Up Share Certificates
4-year Bump-Up 3.93 4.00 $5,000
5-year Bump-Up 4.17 4.25 $5,000
Mini-Jumbo Share Certificates
4-year Mini-Jumbo 4.17 4.25 $20,000
5-year Mini-Jumbo 4.65 4.75 $20,000
Jumbo Share Certificates
30-90 days 2.23 2.25 $100,000
91-182 days 2.57 2.60 $100,000
183-273 days 2.67 2.70 $100,000
274-365 days 3.06 3.10 $100,000
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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 2.96 3.00 $500
2-year 3.20 3.25 $500
3-year 3.69 3.75 $500
4-year 3.93 4.00 $500
5-year 4.17 4.25 $500
Bump-Up IRA Share Certificates
4-year Bump-Up 3.93 4.00 $5,000
5-year Bump-Up 4.17 4.25 $5,000
Mini-Jumbo IRA Share Certificates
4-year Mini-Jumbo 4.17 4.25 $20,000
5-year Mini-Jumbo 4.65 4.75 $20,000
IRA Club Account
  1.50 1.51 $5 Initial Deposit
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