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.