|
All Rates Are Effective
Savings Rates
|
Please Call 706.320.8500 for Additional Information |
Type of Account
|
Dividend
(1) |
APY
(2) |
| Regular Savings Account |
| $25.00 minimum balance |
0.25% |
0.25% |
| Scottie Savers (For Kids)
|
| $5.00 minimum balance |
0.25% |
0.25% |
| Xtreme Savers (For Teens) |
| $25.00 minimum balance |
0.25% |
0.25% |
| Prime Club Savings (For members
age 50 and above) |
| $25.00 minimum balance |
0.40% |
0.40% |
| Christmas/Tax Savings (3)
|
| $5.00 minimum balance |
0.40% |
0.40% |
| Special Savings Account |
| $5.00 minimum balance |
0.25% |
0.25% |
| Individual Retirement Account
(IRA) |
| $5.00 minimum balance |
2.50% |
2.53% |
| Money Market Account(4) |
| $2,500.00 average daily balance
required |
| $2,500.00 to $9,999.99 balance |
1.50% |
1.51% |
| $10,000.00 to $19,999.99 balance |
2.25% |
2.27% |
| $20,000.00 to $49,999.99 balance |
3.00% |
3.04% |
| $50,000.00 or greater balance required |
3.25% |
3.30% |
1
|
Rate may
change after the account is opened. Fees could reduce the
earnings on the account. |
2 |
The Annual Percentage
Yield is a percentage rate that reflects the total amount
of dividends to be paid on an account based on the dividend
rate and frequency of compounding for an annual period. Fees
could reduce the earnings on the account. |
3 |
Penalty will be imposed
if any withdrawal is made. For all accounts, the amount of
the early withdrawal penalty is stated on the fee schedule. |
4 |
The Money Market account is
a Tiered Rate account.
If your account balance is $2,500.00 to $9,999.99, the first
Dividend Rate and Annual Percentage Yield listed for this account
in the Rate Schedule will apply. If your account balance is
from $10,000.00 to $19,999.99, the second Dividend Rate and
Annual Percentage Yield listed for this account will apply.
If your account balance is $20,000.00 to $49,999.99, the third
Dividend Rate and Annual Percentage Yield listed for this account
will apply. If your account balance is $50,000.00 or greater,
the fourth Dividend Rate and Annual Percentage Yield will apply. |
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Checking Rates
| Smart Rate Checking |
| Total Balance |
Dividend (1) |
APY (2) |
| $0.00 - $5,000.00 |
3.93% |
4.00% |
| Total balance between $5,000.01 and $9,999.99 |
0.25% |
0.25% |
| Total balance between $10,000.00 and $19,999.99 |
0.35% |
0.35% |
| Total balance of $20,000.00 or more* |
0.45% |
0.45% |
| Rewards Checking |
| Total Balance |
Dividend (1) |
APY (2) |
| Total balance less than $2,500.00 |
0.00% |
0.00% |
| Total balance between $2,500.00 and $9,999.99 |
0.25% |
0.25% |
| Total balance between $10,000.00 and $19,999.99 |
0.35% |
0.35% |
| Total balance of $20,000.00 or more* |
0.45% |
0.45% |
1 |
Rate may change after the account is opened. Fees could reduce the earnings on the account. |
2 |
The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Fees could reduce the earnings on the account. |
|
|
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Certificate Rates
In addition to the certificate
rates below, TIC periodically offers special certificate rates throughout
the year. To view our current special certificate rates, view our
What's New page.
Type
of Account
|
Dividend
(1) |
APY (2) |
Prime Club Dividend (1) |
Prime Club APY (2) |
| Quarterly
Certificate Accounts (4) |
| $500.00 minimum balance required to open and earn the APY |
| 3 Month |
2.15% |
2.17% |
2.40% |
2.42% |
| 6 Month |
3.00% |
3.03% |
3.25% |
3.29% |
| 12 Month |
3.25% |
3.29% |
3.50% |
3.55% |
| 18 Month |
3.00% |
3.03% |
3.25% |
3.29% |
| 24 Month |
3.00% |
3.03% |
3.25% |
3.29% |
| 30 Month |
3.00% |
3.03% |
3.25% |
3.29% |
| Monthly
Certificate Accounts (4) |
| $500.00 minimum balance required to open and earn the APY |
| 3 Month |
2.15% |
2.15% |
2.40% |
2.40% |
| 6 Month |
3.00% |
3.00% |
3.25% |
3.25% |
| 12 Month |
3.25% |
3.25% |
3.50% |
3.50% |
| 18 Month |
3.00% |
3.00% |
3.25% |
3.25% |
| 24 Month |
3.00% |
3.00% |
3.25% |
3.25% |
| 30 Month |
3.00% |
3.00% |
3.25% |
3.25% |
| Quarterly Jumbo Certificate Accounts (4,5) |
| $75,000.00 minimum balance required to open and earn the APY |
| 3 Month |
2.65% |
2.68% |
N/a |
N/a |
| 6 Month |
3.50% |
3.55% |
N/a |
N/a |
| 12 Month |
3.75% |
3.80% |
N/a |
N/a |
| 18 Month |
3.50% |
3.55% |
N/a |
N/a |
| 24 Month |
3.50% |
3.55% |
N/a |
N/a |
| 30 Month |
3.50% |
3.55% |
N/a |
N/a |
| Monthly Jumbo Certificate Accounts (4,5) |
| $75,000.00 minimum balance required to open and earn the APY |
| 3 Month |
2.65% |
2.65% |
N/a |
N/a |
| 6 Month |
3.50% |
3.50% |
N/a |
N/a |
| 12 Month |
3.75% |
3.75% |
N/a |
N/a |
| 18 Month |
3.50% |
3.50% |
N/a |
N/a |
| 24 Month |
3.50% |
3.50% |
N/a |
N/a |
| 30 Month |
3.50% |
3.50% |
N/a |
N/a |
1 |
Rate may change after the account is opened. Fees could reduce the earnings on the account. |
2 |
The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Fees could reduce the earnings on the account. |
3
|
Dividends will be declared at the end of the dividend period by the Board of Directors. Dividends are paid from the current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period. |
4 |
Penalty will be imposed if any withdrawal is made from the certificate. For all accounts, the amount of the early withdrawal penalty is 90 days dividends. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. A statement of fees could reduce the earnings on the account. |
5 |
Offer good for a limited time. Penalty for early withdrawal. See the Truth in Savings Certificate Rate Schedule for further disclosures. You must be a member of TIC Federal Credit Union to participate. Certain eligibility requirements apply. Contact a TIC representative for further details. Additional percentages not applicable for Prime Club members or for certificate roll overs. |
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Loan Rates
|
Loan
Type |
APR* |
|
| Line of Credit |
9.50% |
|
VISA
|
Platinum |
6.90% |
|
Gold |
9.90% |
|
Classic |
12.90% |
|
Share Secured |
5.90% |
|
| Secured Loan** |
As low as 5.50%+ |
|
| Personal Loan** |
As low as 11.50%+
|
|
| Share Secured |
(Regular share account rate plus 2.00%)
|
|
| Certificate Secured |
(Rate of certificate plus 2.00%) |
|
| Mortgage++ |
Market Price |
For more information, click
here. |
| Home Equity |
Based on Prime |
For more information, click
here. |
Undeveloped Real Estate
|
10.00% |
For more information, click
here. |
| * |
APR = Annual Percentage Rate. The Annual Percentage Rate may vary for VISA credit cards, Line of Credit Loans, and Home Equity Loans. |
** |
Your Annual Percentage Rate may vary depending on your creditworthiness. Please ask a loan officer for details regarding how rate is determined. |
| + |
Maximum APR = 18.00% |
| ++ |
Georgia Residential Mortgage Licensee |
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Automobile Loans
New
or Used Vehicles |
Term |
APR*
With Payroll Deduction (1,2) |
APR*
Without Payroll Deduction
(1,2) |
| Up to 24 Months |
|
As low as 5.75% |
| 25-36 Months |
As low as 5.75% |
As low as 6.00% |
| 37-48 Months |
As low as 6.25% |
As low as 6.50% |
| 49-60 Months |
As low as 6.50% |
As low as 6.75% |
| 61-72 Months3 |
As low as 6.75% |
As low as 7.00% |
| 73-84 Months3 |
As low as 7.25% |
As low as 7.50% |
| 1 |
All rates may vary depending
on each individual's credit history and underwriting factors. |
| 2 |
Rates quoted for terms 24-71 months are
based on minimum loan amount of $15,000. For loan amounts
$5,000-$14,999.99, add one percent. For loans up to $4,999.99, add
two percent. |
| 3 |
Minimum loan amount on terms 72 months and up is $25,000. |
| 4 |
The following rates apply if your secured advance is repaid by payroll deduction: A 24-month term has a rate as low as 5.50% and an estimated monthly payment of $44.10 per $1000 borrowed. A 25-36 month term has a rate as low as 5.75% and an estimated monthly payment of $30.32 to $42.55 per $1000 borrowed. A 37 – 48 month term has a rate as low as 6.25% and an estimated monthly payment of $23.61 to $29.79 per $1000 borrowed. A 49 – 60 month term has a rate as low as 6.50% and an estimated monthly payment of $19.57 to $23.30 per $1000 borrowed. A 61 – 72 month term has a rate as low as 6.75% and an estimated monthly payment of $16.94 to $19.42 per $1000 borrowed. A 73 – 84 month term has a rate as low as 7.25% and an estimated monthly payment of $15.22 to $16.99 per $1000 borrowed.
The following rates apply if you do not have payroll deduction: A 24-month term has a rate as low as 5.75% and an estimated monthly payment of $44.22 per $1000 borrowed. A 25 – 36 month term has a rate as low as 6.00% and an estimated monthly payment of $30.43 to $42.66 per $1000 borrowed. A 37 – 48 month term has a rate as low as 6.50% and an estimated monthly payment of $23.72 to $29.90 per $1000 borrowed. A 49 – 60 month term has a rate as low as 6.75% and an estimated payment of $19.69 to $23.41 per $1000 borrowed. A 61 – 72 month term has a rate as low as 7.00% and an estimated monthly payment of $17.05 to $19.54 per $1000 borrowed. A 73 – 84 month term has a rate as low as 7.50% and an estimated monthly payment of $15.34 to $17.11 per $1000 borrowed
|
| * |
APR = Annual Percentage Rate |
©2004,
TIC Federal Credit Union
|
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