Loan Rates - Telco Community Credit Union

Telco appreciates your patience during these challenging times. We’re pleased to update you on our progress in restoring Telco operations.

Electronic deposits have been posted to your account, branch deposits will be posted as quickly as possible but could be delayed. If you incurred any overdraft fees during this period, we will review them for reimbursement to your account.

The following branch drive-thrus are open: Morganton, Leicester, Hickory, Weaverville, Candler, Hendersonville, Brevard, Lenoir, Airport Rd, Skyland, and Waynesville.

We are working as quickly as possible to restore our call center service.

Please note that branches have a withdrawal limit of $200. We will notify you when this limit changes.

**** This is a particularly high time for fraud. We’ve been made aware of a fraudulent text message circulating, claiming your Telco account has been used for unauthorized purchases. For your safety: DO NOT click any links or call the number provided in these messages. *****

For Questions and Answers Click Here

Thank you for your continued understanding and support.

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Loan Rates

Consumer Loans

Effective Date: Friday, October 4th, 2024

Type of Loan	Term	APR*
New Auto	36-84 Months	As low as 5.49% APR
Used Auto	36-72 Months	As low as 5.59% APR
New Campers/RVs/Boats	36-84 Months	As low as 6.49% APR
Used Campers/RVs/Boats	36-72 Months	As low as 6.99% APR
New Motorcycles	36-84 Months	As low as 6.04% APR
Used Motorcycles	36-72 Months	As low as 6.54% APR
New Farm Equipment	36-84 Months	As low as 6.49% APR
Used Farm Equipment	36-72 Months	As low as 6.99% APR
Other Loans	Term	APR*
Share Secured	Variable Rate	4.00% above dividend rate
Mastercard Credit Card	Variable Rate	10.90% APR
Personal Loan	36 Months	15.00% APR (up to 3,000)
Credit Builder Loan	12 Months	15.00% APR (up to 1,000)
APR=Annual Percentage Rate *Rates subject to change

Mortgage Loan Rates

Effective Date: July 1, 2020

Type of Loan	LTV	Rate	APR*
10 Year Fixed Rate Mortgage	80.00%	Call	Call
15 Year Fixed Rate Mortgage	80.00%	Call	Call
20 Year Fixed Rate Mortgage	80.00%	Call	Call
30 Year Fixed Rate Mortgage	80.00%	Call	Call
1/1 ARM	80.00%	Call	Call
3/1 ARM	80.00%	Call	Call
5/1 ARM	80.00%	Call	Call
Home Equity Line-of-Credit/Variable Rate	80.00%	Call	Call
Home Equity 2nd Mortgage/Fixed Rate	80.00%	Call	Call
APR=Annual Percentage Rate Rates and Terms subject to change without notice. Annual Percentage Rate and terms subject to credit approval. Rates may be higher depending on individual circumstances including credit score, loan-to-value ratio and requested loan amount. Annual Percentage Rate (APR) vs Rate - Interest Rate is the fee you pay for borrowing money. APR includes not only the interest rate, but other costs and fees associated with your home loan. APR gives you a more complete view of what a mortgage will cost and can be helpful when comparing mortgage offers from different lenders. Call 828-252-6458 to speak with a loan specialist. Telco Community Credit Union MLS # 787813

Construction/Land Loan Rates

Effective Date: July 1, 2020

Type of Loan	LTV	Term	APR*
Land Loan - Fixed	70.00%	Up to 10 Years	8.750% APR
Land Loan - Variable	70.00%	Up to 15 Years	Prime plus 3.75%
Construction Loans	80.00%	1 Year	Prime plus 3.75%
APR=Annual Percentage Rate * Rates and Terms subject to change without notice. Other interest rates and terms may apply. Interest rates offered may depend on credit history and certain minimum credit scoring qualifications. This listing is not an offer of credit.

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