Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Transcend Credit Union

Rates

Auto Loan Rates (effective February 1, 2018)


 Year Term
APR* 
as low as
2017 - 2019 up to 40 months 2.74%

up to 60 months 3.24%

up to 75 months 3.74%

up to 90 months 4.24%

 Year Term
APR*
as low as
2015 - 2016 up to 40 months 3.24%

up to 60 months 3.74%
  up to 75 months 4.24%

up to 90 months 5.24%

 Year Term
APR*
as low as
2013 - 2014 up to 40 months 3.74%

up to 60 months 4.24% 
  up to 75 months 4.74%

 Year Term
APR*
as low as
2011 - 2012 up to 40 months 4.24%

up to 60 months 4.74%

up to 75 months 6.24%

 Year Term
APR*
as low as
2009 - 2010 up to 40 months 5.74%

up to 60 months 6.74%

*APR= Annual Percentage Rate . Rate may vary based on credit profile, vehicle age, & loan term. Lowest loan rate at 2.74% APR financed over 40 month term is for 2017-2019 model year autos, including a .25% discount for automatic payment, and a .25% discount for 20% equity in vehicle. If qualified, first payment due 90 days after close of auto loan. Interest will continue to accrue up to first payment date. Payment example based on the terms above: Estimated monthly payment for auto loan of $20,000 at 2.74% APR for 40 months is $523.75. Offer of credit cannot be combined with any other offer. Existing Transcend Credit Union auto loans do not qualify. Rates effective February 1, 2018. All rates, terms, and conditions subject to change without notice. All loans subject to approval. Other restrictions may apply.


Closed-End Personal Loans - as low as 9.90% APR* - Up to 60 months

 

*APR= Annual Percentage Rate . Lowest personal loan rate is 9.9% APR. Longest term offered is 60 months. Your rate may vary based on credit profile and loan term. Payment example based on the terms above: Estimated monthly payment for personal loan of $10,000 at 9.9% APR for 60 months is $211.96. Offer of credit cannot be combined with any other offer. Existing Transcend Credit Union personal loans do not qualify. Rates effective October 1, 2017. All rates, terms, and conditions subject to change without notice. All loans subject to approval. Other restrictions may apply.

Home Equity Line of Credit (HELOC) - as low as 5.00% APR* 

 

*APR=Annual Percentage Rate . Home Equity Lines of Credit are variable-rate loans. Rates as low as 5.00% APR and are based on creditworthiness, so your rate may differ. The plan has a maximum APR of 18%. All loans subject to approval. Closing costs typically range between $500 and $800. The closing costs depend on the location of the property and the amount of the Equity Loan/Line. Proof of property insurance is required.


1st Mortgage Loans (Rates accurate as of February 21, 2018)


Promotional Loans

 
Loan Type
 Interest Rate as low as*  APR as low as*
30 Year NO PMI No Closing 5.000% 5.000%
20 Year Retire Your Mortgage 4.375% 4.375%
15 Year Retire Your Mortgage 4.000% 4.000%
10 Year Retire Your Mortgage 3.875% 3.875%
7 Year Retire Your Mortgage 3.250% 3.250%
 

Conventional Loans

 
Loan Type
 Interest Rate as low as* APR as low as*
30 Year Conventional               4.500% 4.769%              
20 Year Conventional 4.250% 4.660%
15 Year Conventional 3.875% 4.451%
10 Year Conventional 3.750% 4.580%
 

Rural Development (USDA) Loans

 
Loan Type                              
 Interest Rate as low as* APR as low as*
30 Year Rural Development 4.375% 4.882%
 

FHA Loans

 
Loan Type                             
Interest Rate as low as* APR as low as*
30 Year FHA 4.375% 4.729%
15 Year FHA 3.875% 4.489%
 

VA Loans

 
Loan Type                              
Interest Rate as low as* APR as low as*
30 Year VA                 4.750%                   4.957%     
15 Year VA 3.875% 4.226%
*APR= Annual Percentage Rate. APR does not include items such as prepaid interest, optional owner's title insurance, and optional escrow services, which could increase the effective APR. The monthly obligation will be greater if taxes and insurance are included,and an initial customer deposit may be required if an escrow account for these items is established. All loans subject to credit approval. Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. All rates, terms, and conditions are subject to change at any time without notice. Many of these programs carry discount points which may impact your rate. Other restrictions may apply. Payment example: $100,000 mortgage for a term of 84 months (7 years) at lowest promo rate of 3.25% APR will result in a monthly payment of $1332.63. 
 

Certificates (effective January 16, 2018)


 Duration  APY*  Subject to Change
90 Day 0.40% Weekly
6 month 0.60% Weekly
12 month 1.00% Weekly
24 month 1.25% Weekly
36 month 1.50% Weekly
48 month 1.75% Weekly
60 month 2.10% Weekly

*APY=Annual Percentage Yield . Rates are reviewed weekly and are subject to change. A $500 minimum balance is required for all certificate accounts to earn the disclosed APY. Dividends will be posted to your account on the last day of each calendar quarter and/or upon maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly rather than credited to this account. Certificates are subject to penalty for early withdrawal. APYs stated are accurate as of today’s date.

Prestige Checking (effective October 1, 2017)


 Amount APY* Subject to Change
$0 - $4,999.99 0.15% Monthly
$5,000 - $14,999.99 0.20% Monthly
$15,000 - $24,999.99 0.25% Monthly
$25,000 or more 0.10% Monthly

*APY = Annual Percentage Yield . Prestige Checking requires an active loan or credit card, an active SmartCash debit card and direct deposit of at least $800 per month. Your average daily balance for the month that corresponds to the applicable account balance tier will earn the stated dividend rate and be paid on the full account balance when all Prestige Checking requirements are met. The Regular Savings second tier rate will be paid on any amount of $25,000 or more and will be paid on all balances if Prestige Checking requirements are not met. Fees may reduce earnings on Prestige Checking accounts.


Regular, Club Savings Accounts, IRA Accumulation, MyCash, Dollar Dog (effective October 1, 2017)


 Amount APY* Subject to Change
$0 - $14,999.99 0.05% Monthly
$15,000 - $49,999.99 0.15% Monthly
$50,000 or more 0.20% Monthly

*APY=Annual Percentage Yield. APYs are accurate as of the last dividend declaration date. Fees may reduce earnings on Regular Savings accounts. You must maintain the amount stated in each tier to earn the disclosed APY for that tier.


Personal/Corporate Reserve (effective November 1, 2016)


 Amount APY* Subject to Change
$0 - $4,999.99 0.05% Monthly
$5,000 - $24,999.99 0.15% Monthly
$25,000 - $49,999.99 0.20% Monthly
$50,000 - $99,999.99 0.25% Monthly
$100,000 or more 0.30% Monthly 

*APY=Annual Percentage Yield. APYs are accurate as of the last dividend declaration date. You must maintain the amount stated in each tier to earn the disclosed APY for that tier.

 

Money Market Account (effective December 1, 2017)

 
Amount  APY*  Subject to Change
$25,000 - $49,999.99 0.30% Monthly
$50,000 - $99,999.99 0.35% Monthly
$100,000 - $249,999.99 0.40% Monthly
$250,000 OR MORE 0.50% Monthly

*APY= Annual Percentage Yield. Dividend rates subject to change after account open.   Minimum deposit required to open account is $25,000.  You must maintain a minimum average daily balance of $25,000 in your account to obtain the disclosed APY, otherwise the lowest dividend tier rate for Regular Savings will apply.  Fees may reduce earnings on the account.