Alabama Telco Credit Union
 

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Consumer Loan Rates

Click here for a Loan Application.

Contact your local Telco office or call 1-800-24-TELCO for further information about applicable rates and terms. Rates effective 12/04/2013 and are subject to change without notice.

Vehicle Rates

Description Term APR as low as Payment per $1000 borrowed
New Autos, Trucks, Vans
(2014-2013 model)
up to 84 Months 1.99%*
(on terms up
to 36 mo.)
$28.64
(based on
approx. 36
mo. term)
Used Autos, Trucks, Vans
(2012 model)
up to 84 Months 2.99%*
(on terms up
to 36 mo.)
$29.08
(based on
approx. 36
mo. term)
Used Autos, Trucks, Vans
(2011 model)
up to 72 Months 3.49%* $22.65
(based on
approx. 48
mo. term)
Other Collateral (New/Used)
Boat, Motorcycle, RV, Travel Trailer, ATV, Jet Ski, and Stock
up to 120 Months 4.50%** $22.81
(based on
approx. 48
mo. term)
Other Personal Loans/Lines
(Includes but not limited to: Overdraft Loans, Savings Secured Loans, CD Secured Loans and Signature Kwik-Line of Credit.)
up to 60 Months 4.25%* $22.70
(based on
approx. 48
mo. term)
Signature Loans Contact us at 1-800-24-TELCO for rates and terms.

Credit Cards

Description APR
Platinum Rewards 9.90% - 16.90%***
Platinum Cash Back 10.90% - 17.90%***
Platinum Best Rate 8.90% - 15.90%***

Home Equity Line of Credit (Primeline)

Description APR as low as
3-year fixed 3.60%****
6-month fixed 0.90%****

Equity Loan

Description Term APR as low as Payment per $1000
Express Equity Loan up to 60 Months 5.25% $18.99
  up to 84 Months 6.00% $14.61
  up to 120 Months 6.25% $11.23
Rate and term based on loan to value and credit worthiness and .25% discount for loans set up on auto pay.

*The APR (Annual Percentage Rate) applicable to your account is determined by your creditworthiness and the term of the loan. Rate includes a .25% discount for Green Auto Loans or consumer loans set up on auto pay.

**Certain terms and loan amounts restrictions apply based on collateral type. Minimum loan amount for terms 61-72 mos. is $15,000. Minimum loan amount for terms 73-84 mos. is $25,000. Minimum loan amount for terms greater than 84 mos. is $30,000. Rate includes a .25% discount for consumer loans set up on auto pay.

***4.99% Introductory APR for the first 6 months after account is open or less than 6 months if your payment is late. After 6 months, the APR will convert based on credit worthiness. Full credit card disclosure given at application.

****Rates based on Loan to Value and credit worthiness. the 6-month introductory rate term or 3 year fixed rate term, the Annual Percentage Rate (APR) will vary based on the Prime Rate plus applicable margin (as quoted in the Wall Street Journal) on the first day of the month. As of 3/05/2014, the Prime Rate was 3.25%. The amount of the margin will vary based on several factors, including your credit history and loan to value ratio and can range from Prime plus 1% to Prime plus 5%. Maximum lifetime rate on PrimeLine is 15.00% APR. Ask us for the current index value, margin and annual percentage rate. On the 6-month introductory rate option we will waive the closing costs with minimum advances at closing of $10,000. (The $10,000 must be new money.) Depending on the credit limit, closing costs and other fees are estimated to be between $300 and $500. If PrimeLine falls below $9,000 in the first 365 days, you will have to reimburse the amount of the closing cost paid on your behalf by the credit union. You must carry insurance on property that secures this plan. All rates and offers are subject to change without notice and cannot be combined with other special promotions. Rate on the 3-year fixed option includes a .25% discount for consumer loans set up on auto pay. The .25% discount is not available on the 6-month fixed option. Rates are available on new lines only.

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