Share Rates
All deposit rates as of April 15, 2025
Share Savings
| TYPE | MINIMUM DEPOSIT | DIVIDEND RATE* | APY* |
|---|---|---|---|
| Regular Share and Club Accounts | $5.00 | 0.25% | 0.25% |
| Momentum Savings | $100,000 and under | 1.98% | 2.00% |
| $100,000.01 and over | 0.49% | 0.50% | |
| Non-qualification in cycle | 0.05% | 0.05% | |
| 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% | |
| High-Yield Checking Accounts | $25,000 and under | 5.37% | 5.50% |
| $25,000.01 and over | 0.49% | 0.50% | |
| Non-qualification in cycle | 0.05% | 0.05% | |
| 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.
Share Certificate
| TERM Six-month (Minimum Deposit $250) 1-Year to 5-Year (Minimum Deposit $1,000) | DIVIDEND RATE* | APY* |
|---|---|---|
| Six-month | 3.69% | 3.75% |
| 1-Year | 3.84% | 3.90% |
| 2-Year | 3.69% | 3.75% |
| 3-Year | 3.74% | 3.80% |
| 4-Year | 3.79% | 3.85% |
| 5-Year | 3.84% | 3.90% |
*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 | 3.84% | 3.90% |
| 2-Year | 3.69% | 3.75% |
| 3-Year | 3.74% | 3.80% |
| 4-Year | 3.79% | 3.85% |
| 5-Year | 3.84% | 3.90% |
*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 April 15, 2025
New Vehicles
*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
*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
| TYPE | APR* As low as |
|---|---|
| Personal Loan (Up to 60 months) | 11.25% |
| 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.
| 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. Review our rates and fees.
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 | 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 | 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. 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.