Loan Rates (effective 02/05/2008)
Share Rates
Type Features Term - APR
New Vehicles Rates as low as Up To 72 Months -- 5.75%*1
Used Vehicles Rates as low as Up To 60 Months -- 5.75%*2
New Recreational Vehicles
(Boats, Campers, ATV, Motorcycles) 		Rates as low as Up To 72 Months -- 6.75%*3
Used Recreational Vehicles
(Boats, Campers, ATV,  Motorcycles) 		Rates as low as Up To 72 Months --6.75%*4
New Farm Equiptment Rates as low as Up To 60 Months --7.00%*5
Used Farm Equiptment Rates as low as Up To 60 Months --7.00%*6
Personal Up To 36 Months 12.00%*7
Certificate Secured Variable Rate Above Dividend Rate -- 2.00%*8
Stock Secured Variable Rate Prime + 1.00%*9
Share Secured Variable Rate Up To 72 Months --  *10
VISA Credit Card No Annual Fee 10.90%*11
Home Equity Fixed Rate
 Tiered Rate Up to 60 months -- 5.95%*12
61-84 months -- 7.00%
85-120 months -- 7.50%
121-180 months -- 8.50%
Home Equity Variable Rate Up To 15 Years Prime + 1.00%
Junior Home Equity Up To 7 Years 8.75%
Land Loan Fixed Rate Up To 10 Years 8.75%
Land Loan Variable Rate Up To 15 Years Prime + 1.00%
Construction Loans 1 Year Interest Only Prime + 1.00%
Rates subject to change. Please call for quote.  All loan rates quoted as APR (Annual Percentage Rates) All loans for qualified applicants.
1 Up to 85% of bottom line of sticker on previously untitled vehicles or vehicles with mileage <5,001
2 Up to 100% of NADA trade in value or purchase price, whichever is less
3 Up to 85% of the bottom line of sticker on previously untitled vehicles.
4 Up to 80% of NADA trade in or purchase price, whichever is less
5 Up to 90% of list price
6 Up to 90% of appraised value
7 Up to $4,000
8 (Refer to Truth-In-Lending Disclosure available at credit union for details) The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security on the date of the advance (Index) plus the percentage shown above.
9 (Refer to Truth-In-Lending Disclosure at credit union for details) The Annual Percentage Rate (APR) for variable rate advances and existing balances will change on the 1st day of each calendar quarter to reflect any change in the Index (Prime Rate).
10 2% above the current share dividend rate
11 Up to $10,000 limit for qualified applicants
12 On all Home Equity Fixed Rates: Loan-to appraised value ratios over 80% will be 100 BPS higher (add 1%).
13 Call Mortgage Loan Officer for details rates and terms subject to change. Loan-to appraised value ratios over 80% will be 100 BPS higher (add 1%)

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Telco Community Credit Union - Main Office          7 Orchard Street Asheville NC 28801
Phone: 252-6458 (local) or (800) 222-1025 (non-local)     Fax: (828) 254-8739   Email:Info@telcoccu.org
Telco Teller:  255-8006 (local) or (800) 522-6371

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