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..:: Loan Rates ::.. Wednesday, July 23, 2008
 Loan Rates

*Rates below are after the 1% E-Power Pack discount has been deducted.  Click here for details.

* New Automobile
Term APR** Requirements
Up to 60 months as low as 5.29% Includes demos with less than 6,000 miles.
61 to 72 months as low as 5.99% Includes demos with less than 6,000 miles. $20,000 plus financed.
All terms include demos with less than 6,000 miles.

* Pre-owned Automobile
Term APR** Requirements
Up to 60 months as low as 5.29% Up to NADA retail. 2001 and newer.
61 to 72 months as low as 5.99% $20,000 plus financed, 2006 and newer.
NADA retail term determined by year and value of auto.

* Auto Balloon Notes - New & Pre-owned
Term APR** Requirements
Up to 24 months as low as 5.79%
25 to 36 months as low as 5.89%
37 to 48 months as low as 5.99% 3 years old or newer
49 to 60 months as low as 6.29% 2 years old or newer

* Home Equity
Maximum Term APR** Requirements
5 years as low as 5.99% Minimum loan is $5,000.
14 years as low as 6.29% Minimum loan is $10,000.
15 years as low as 6.89% Minimum loan is $25,000.

* New Boat
Term APR** Requirements
Up to 60 months as low as 5.99% Untitled Current or Previous Year Model
61 to 72 months as low as 6.49% Untitled Current or Previous Year Model
73 to 120 months as low as 7.49% Untitled Current or Previous Year Model

* Pre-owned Boat
Term APR** Requirements
Up to 60 months as low as 5.99% Up to NADA loan value. 2001 and newer
61 to 72 months
73 to 120 months
as low as 6.49%
as low as 7.49%
Up to NADA loan value. 2001 and newer
Up to NADA loan value. 2001 and newer

* New Recreational Vehicle
Term APR** Requirements
Up to 60 months as low as 5.99% 2007 and newer
61 to 72 months as low as 6.49% 2007 and newer
73 to 120 months as low as 7.49% 2007 and newer

* Pre-owned Recreational Vehicle
Term APR** Requirements
Up to 60 months
61 to 72 months
73 to 120 months
as low as 5.99%
as low as 6.49%
as low as 7.49%
2001 and newer
2001 and newer
2001 and newer

* New Motorcycle
Term APR**
up to 60 months as low as 5.99%

* Pre-owned Motorcycle
Term APR**
Up to 60 months as low as 5.99%

Stock Secured
Term APR**
Up to 60 months as low as 10.50%
61 to 72 months as low as 11.50%
Stock value must equal 75% or more of the loan amount.

Certificate Secured Loan
Term APR** Requirements
Loan term must match certificate term 2.00% over Certificate Rate. Certificate must be on deposit at Dallas Telco Federal Credit Union.

Share Secured Loans
APR** Requirements
7.00% Funds pledged as collateral must be equal to or greater than the loan amount. Minimum monthly payment is $50. No tiered pricing. No discounts.

Signature Loans
Term APR**
Up to 36 months as low as 10.99%
Up to 48 months as low as 14.99%

Combined Collateral
Term APR** Requirements
Up to 48 months as low as 7.90% The value of collateral must equal at least 50% of the loan amount.

Other Collateral
Term APR** Requirements
Up to 60 months as low as 8.95% Other collateralized items can include ATVs, jet skis, dirt bikes, 4-wheelers, tractors, riding lawnmowers, horse trailers, etc.

Line of Credit
Term APR** Requirements
Revolving line of credit as low as 9.99% Minimum monthly payment $20 or 5% of outstanding balance, whichever is greater. Advances must be in increments of $50. Relationship discounts do not apply.

**Annual Percentage Rates are effective as of 7/14/2008. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.

  

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