Loan Rates

* A loan discount of .50% is available on these rates with automatic transfer of loan payment.

* New Automobile
Term	APR**	Requirements
Up to 60 months	as low as 3.99%	Includes demos with less than 6,000 miles
61 to 72 months	as low as 4.49%	Includes demos with less than 6,000 miles, $18,000+ financed
All terms include demos with less than 6,000 miles.

* Pre-owned Automobile
Term	APR**	Requirements
Up to 60 months	as low as 3.99%	Up to NADA retail. 2005 and newer
61 to 72 months	as low as 4.49%	$18,000+ financed, 2010 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 4.89%
25 to 36 months	as low as 4.99%
37 to 48 months	as low as 5.09%	3 years old or newer
49 to 60 months	as low as 5.59%	2 years old or newer

Home Equity
Maximum Term	1st Lien APR**	2nd Lien APR**	Requirements
5 years	as low as 4.24%	as low as 5.34%	Minimum loan is $5,000
10 years	as low as 4.49%	as low as 5.54%	Minimum loan is $10,000
15 years	as low as 4.96%	as low as 5.74%	Minimum loan is $25,000

* New Boat
Term	APR**	Requirements
Up to 60 months	as low as 5.49%	Untitled Current or Previous Year Model
61 to 84 months	as low as 6.49%	Untitled Current or Previous Year Model
85 to 120 months	as low as 7.99%	Untitled Current or Previous Year Model, $50,000+ financed

* Pre-owned Boat
Term	APR**	Requirements
Up to 60 months	as low as 5.49%	Up to NADA loan value. 2005 and newer
61 to 84 months	as low as 6.49%	Up to NADA loan value. 2005 and newer
85 to 120 months	as low as 7.99%	Up to NADA loan value. 2005 and newer, $50,000+ financed

* New Recreational Vehicle
Term	APR**	Requirements
Up to 60 months	as low as 5.49%	2011 and newer
61 to 84 months	as low as 6.49%	2011 and newer
85 to 120 months	as low as 7.99%	2011 and newer, $50,000+ financed

* Pre-owned Recreational Vehicle
Term	APR**	Requirements
Up to 60 months	as low as 5.49%	2005 and newer
61 to 84 months	as low as 6.49%	2005 and newer
85 to 120 months	as low as 7.99%	2005 and newer, $50,000+ financed

* New & Pre-Owned Motorcycle
Term	APR**	Requirements
up to 60 months	as low as 5.49%	2005 and newer

* Jet Skis, ATVs & 4-Wheelers
Term	APR**	Requirements
Up to 60 months	as low as 5.49%	2005 and newer

Stock Secured
Term	APR**
Up to 60 months	as low as 10.00%
61 to 72 months	as low as 11.00%
Stock value must equal 50% 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 discounts.

Signature Loans
Term	APR**
Up to 36 months	as low as 10.99%
37 to 48 months	as low as 12.99%

Combined Collateral
Term	APR**	Requirements
Up to 48 months	as low as 9.95%	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 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 1/16/2012. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.