Deposit Accounts

All deposit rates as of November 16, 2023

TYPE	MINIMUM DEPOSIT	DIVIDEND RATE*	APY*
Regular Share and Club Accounts	$5.00	0.25%	0.25%
Money Market Accounts	$2,500 – $9,999	0.99%	1.00%
	$10,000 – $19,999	1.24%	1.25%
	$20,000 – $49,999	1.34%	1.35%
	$50,000 and over	1.39%	1.40%
Convenience and On the Move Checking Accounts	N/A	0.25%	0.25%
Traditional and Roth IRA, Coverdell Education Savings Account	$25.00	0.25%	0.25%

*APY = Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Dividends are paid and compounded monthly, and are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Fees could reduce earnings. Minimum balances indicated are required to earn APY. Please refer to our Truth in Savings disclosure for further details.

TERM Six-month (Minimum Deposit $250) 1-Year to 5-Year (Minimum Deposit $1,000)	DIVIDEND RATE*	APY*
Six-month	4.00%	4.04%
1-Year	4.66%	4.75%
20-Month	4.42%	4.50%
2-Year	3.84%	3.90%
3-Year	4.90%	5.00%
4-Year	3.45%	3.50%
5-Year	3.35%	3.40%

Traditional & Roth IRA Certificate

TERM Minimum Deposit $1,000	DIVIDEND RATE*	APY*
1-Year	4.66%	4.75%
2-Year	3.84%	3.90%
3-Year	4.90%	5.00%
4-Year	3.45%	3.50%
5-Year	3.35%	3.40%

LOANS

All loan rates as of November 16, 2023

New Vehicles

TYPE Models 2023 & Newer with less than 1,000 miles	TERM	APR*
New Autos, Boats, RVs & Motorcycles	Up to 36 Months	5.99%
	Up to 48 Months	6.44%
	Up to 60 Months	6.74%
	Up to 72 Months	6.99%
	Up to 84 Months	8.49%

*APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Loan rates are tier-based and priced according to member’s individual credit ratings. Up to 120% financing on approved credit. Financing up to 85% of the NADA retail value or MSRP for current models on boats and other recreational vehicles including campers, mobile homes, personal watercraft, and travel trailers. Boats and other recreational vehicles with a loan amount more than $40,000 may be eligible for terms up to 96 months, depending on past and present credit performance. Terms over 72 months are based on past and present credit performance. Promotional rates do not apply to loans already financed with Transportation FCU. At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate. Contact us for details.

Used Vehicles

TYPE Models Up to 7 Years with 1,000+ miles	TERM	APR*
Used Autos, Boats, RVs & Motorcycles	Up to 36 Months	6.74%
	Up to 48 Months	6.99%
	Up to 60 Months	7.24%
	Up to 72 Months	7.74%
	Up to 84 Months	8.99%

*APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Loan rates are tier-based and priced according to member’s individual credit ratings. Up to 120% financing on approved credit. Financing up to 85% of the NADA retail value for used recreational vehicles such as boats and other recreational vehicles including campers, mobile homes, personal watercraft, and travel trailers. Boats and other recreational vehicles with a loan amount more than $40,000 may be eligible for terms up to 96 months, depending on past and present credit performance. Age of vehicle not to exceed 7 model years. Terms over 72 months are based on past and present credit performance. At no time can the discounted rate awarded be lower than the designated floor rate. Offer does not include currently financed vehicle loans with credit union. Contact us for details.

Unsecured Loans

TYPE	APR* As low as
Personal Loan (Up to 60 months)	11.25%
Overdraft Protection ($20,000 Maximum)	12.90%

TYPE	Fixed APR*
Smart Choice Loan (Up to $1,000)	18.00%

*APR=Annual Percentage Rate. Smart Choice application fee is not refundable and applies regardless of whether credit is extended. To qualify, you just need to authorize a credit check, be 18 years of age or older, have direct deposit into your Transportation FCU account, and be a member in good standing for at least 90 days. That means you’re current on all of your loans at the credit union, and you don’t have more than three loans in any rolling six-month period. Certain restrictions apply. Contact us for details.

Credit Cards

TYPE	Fixed APR* As Low As
VISA Platinum Rewards	11.90%
VISA Platinum	8.90%
VISA Platinum Share Secure Non-Rewards	8.90%

*APR = Annual Percentage Rate. Rates, terms, fees and conditions are subject to change without notice. Loan rates are tier-based and priced according to member’s individual credit ratings. Interest rate is variable and based on the Wall Street Journal Prime Rate. For a copy of rates and fees, click here.

Home Equity Loans

TYPE Combined Loan To Value (CLTV) From $10,000 To $300,000	TERMS	APR As Low As*
Home Equity Fixed	5 years 10 years 15 years 20 years	7.00% 7.75% 8.00% 8.25%

Home Equity Line of Credit (HELOC)

TYPE From $10,000 to $300,000	TERMS	APR As low as*
15/15	Draw Period-15 years Repayment Period-15 years	Prime

* APR = Annual Percentage Rate. Rates are based on the member’s individual credit rating and the combined loan-to-value (CLTV) of the first and second mortgage. Available on owner occupied primary residential properties and vacation homes in most states and the District of Columbia, except Hawaii, U.S. territories (Guam, Puerto Rico, Northern Mariana Islands, U.S. Virgin Islands and Samoa). Texas financing capped at 80% Combined Loan-to-Value (CLTV). The home equity loan has a fixed rate that is a fully amortized loan for the life of the loan (no balloon payment). The Home Equity Line of Credit (HELOC) has a variable interest rate that is based on the Wall Street Journal Prime Rate and is subject to change at any time. At no time can the discounted rate awarded be lower than the designated floor rate of 4.00% or Prime, whichever is greater. The rate cannot increase or decrease by more than 2.00% in a calendar year, and the maximum rate is 18.00% and loan amount request cannot exceed $300,000. If the credit union pays the closing costs and the HELOC or Home Equity Loan is terminated within two years, the closing costs must be reimbursed by the borrower. All rates and terms are subject to change without notice and other restrictions and fees may apply. Please consult your tax advisor on all tax matters. Certain restrictions apply. Contact us for details.