Loan Rates

Consumer Loans
Effective Date: February 22, 2021
Type of LoanTermAPR*
New Auto 36-84 Months As low as 2.99% APR
Used Auto 36-72 Months As low as 3.09% APR
New Campers/RVs/Boats 36-84 Months As low as 4.99% APR
Used Campers/RVs/Boats 36-72 Months As low as 4.99% APR
New Motorcycles 36-84 Months As low as 4.99% APR
Used Motorcycles 36-72 Months As low as 4.99% APR
New Farm Equipment 36-84 Months As low as 4.99% APR
Used Farm Equipment 36-72 Months As low as 4.99% APR
Other Loans Term APR*
Share Secured Variable Rate 4.00% above dividend rate
Visa 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 LoanLTVRateAPR*
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 LoanLTVTermAPR*
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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