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Rates

Share Rates

All deposit rates as of November 1, 2024

Share Savings

TYPEMINIMUM DEPOSITDIVIDEND RATE*APY*
Regular Share and Club Accounts$5.000.25%0.25%
Money Market Accounts$2,500 – $9,9990.99%1.00%
$10,000 – $19,9991.24%1.25%
$20,000 – $49,9991.34%1.35%
$50,000 and over1.39%1.40%
Performance Checking Account$1,5000.25%0.25%
Traditional and Roth IRA, Coverdell Education Savings Account$25.000.25%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.

Share Certificate

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 4.13%4.20%
2-Year 3.84%3.90%
3-Year 3.65%3.70%
4-Year 3.55%3.60%
5-Year 3.45%3.50%

*APY = Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Dividends are paid and compounded quarterly, 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.

Traditional & Roth IRA Certificate

TERM
Minimum Deposit $1,000
DIVIDEND RATE*APY*
1-Year 4.13%4.20%
2-Year 3.84%3.90%
3-Year 3.65%3.70%
4-Year 3.55%3.60%
5-Year 3.45%3.50%

*APY = Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Dividends are paid and compounded quarterly, 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.

Loan Rates

All loan rates as of November 1, 2024

New Vehicles

TYPE
Models 2023 & Newer with less than 1,000 miles
TERMAPR
as low as*
New Autos, Boats, RVs & MotorcyclesUp to 36 Months4.24%
Up to 48 Months4.69%
Up to 60 Months4.99%
Up to 72 Months5.24%
Up to 84 Months6.74%

*APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Above advertised rate includes direct deposit or automatic payment, TruStage, vehicle LTV and special EV/Hybrid rate reduction. Loan rates are tier-based and priced according to member’s individual credit ratings. Up to 120% financing available for current models with less than 1,000 miles. For used vehicles, age of vehicle not to exceed 7 model years. No payments for 45 days; however, interest will accrue. At no time can the discounted rate awarded be lower than the designated floor rate. Refinanced auto loans do not include currently financed auto
loans with credit union. Certain restrictions apply. Contact us for details.

Used Vehicles

TYPE
Models Up to 7 Years with 1,000+ miles
TERMAPR
as low as*
Used Autos, Boats, RVs & MotorcyclesUp to 36 Months4.99%
Up to 48 Months5.24%
Up to 60 Months5.49%
Up to 72 Months5.99%
Up to 84 Months7.24%

*APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Above advertised rate includes direct deposit or automatic payment, TruStage, vehicle LTV and special EV/Hybrid rate reduction. Loan rates are tier-based and priced according to member’s individual credit ratings. Up to 120% financing available for current models with less than 1,000 miles. For used vehicles, age of vehicle not to exceed 7 model years. No payments for 45 days; however, interest will accrue. At no time can the discounted rate awarded be lower than the designated floor rate. Refinanced auto loans do not include currently financed auto
loans with credit union. Certain restrictions apply. Contact us for details.

Unsecured Loans

TYPEAPR*
As low as
Personal Loan (Up to 60 months)11.25%
Holiday Loan7.99%
Overdraft Protection ($20,000 Maximum)12.90%

*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. At no time can the discounted rate awarded be lower than the designated floor rate. Contact us for details. 

Holiday Loan is available for qualified borrowers. Loan subject to normal underwriting guidelines. Advertised loan can be used for holiday expenses. Term limit is 60 months with a minimum loan amount of $250.00 and a maximum loan amount of $10,000. Loan amounts exceeding $7,500 and up to $10,000 qualify for the 60-month term. Illustrated payment example: A $10,000.00 loan at a fixed rate of 7.99% Annual Percentage Rate for 60 months would require 60 monthly payments of $203.35. Offer ends December 31, 2024. Transportation Federal Credit Union reserves the right to change or withdraw this offer at any time. Loans based on creditworthiness and subject to approval. Existing credit union loans do not qualify. Certain restrictions apply. Contact us for details.

TYPEFixed 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

TYPEFixed APR*
As Low As
VISA Platinum Rewards11.90%
VISA Platinum8.90%
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. Review our rates and fees.

Home Equity Loans

TYPE
Combined Loan To Value (CLTV)
From $10,000 To $300,000
TERMSAPR
As Low As*
Home Equity Fixed
5 years
10 years
15 years
20 years
6.50%
7.25%
7.50%
7.75%
10-30 Balloon+10 years 7.50%

Home Equity Line of Credit (HELOC)

TYPE
From $10,000 to $300,000
TERMSAPR
As low as*
15/15Draw 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. 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. 

+The Home Equity 10-30 Balloon loan contains a balloon provision that has a maturity date of 10 years. All loan payments made, even in full and on time, will not be paid towards the loan by the end of the final payment date. A single balloon payment covering the remaining outstanding balance will be due and payable; only 2nd position lien loans qualify.

Shortlink: https://transfcu.org/rates/
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