All rates and yields stated below are accurate as of June 1, 2018 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened.
Savings Accounts
|
|
Dividend Rate |
APY* |
|
Savings (01)** |
0.15% |
0.15% |
|
Special Savings (03, 09) |
0.10% |
0.10% |
|
Christmas Club (08) |
0.15% |
0.15% |
|
IRA Accumulation |
0.25% |
0.25% |
Money Market
|
Minimum Balance to Earn Stated APY |
Dividend Rate |
APY* |
|
$2,500 |
0.31% |
0.31% |
|
$10,000 |
0.35% |
0.35% |
|
$25,000 |
0.44% |
0.44% |
|
$50,000 |
0.53% |
0.53% |
|
$100,000 |
0.66% |
0.66% |
|
$200,000 |
0.88% |
0.88% |
Share Certificates
|
Minimum Balance to Earn Stated APY |
Dividend Rate |
APY* |
|
6 to 11 months Certificate |
|
$1,000 |
0.65% |
0.65% |
|
$10,000 |
0.67% |
0.67% |
|
$25,000 |
0.69% |
0.69% |
|
$50,000 |
0.70% |
0.70% |
|
$100,000 |
0.72% |
0.72% |
|
12 to 23 months Certificate |
|
$500 |
1.00% |
1.00% |
|
$1,000 |
1.11% |
1.11% |
|
$10,000 |
1.14% |
1.14% |
|
$25,000 |
1.17% |
1.18% |
|
$50,000 |
1.20% |
1.21% |
|
$100,000 |
1.22% |
1.23% |
|
24 to 35 months Certificate |
|
$1,000 |
1.40% |
1.41% |
|
$10,000 |
1.43% |
1.44% |
|
$25,000 |
1.47% |
1.48% |
|
$50,000 |
1.51% |
1.52% |
|
$100,000 |
1.54% |
1.55% |
|
36 to 47 months Certificate |
|
$1,000 |
1.70% |
1.71% |
|
$10,000 |
1.75% |
1.76% |
|
$25,000 |
1.79% |
1.80% |
|
$50,000 |
1.83% |
1.84% |
|
$100,000 |
1.88% |
1.89% |
|
48 to 59 months Certificate |
|
$1,000 |
1.95% |
1.96% |
|
$10,000 |
2.00% |
2.02% |
|
$25,000 |
2.05% |
2.07% |
|
$50,000 |
2.10% |
2.12% |
|
$100,000 |
2.15% |
2.17% |
|
60 months Certificate |
|
$1,000 |
2.15% |
2.17% |
|
$10,000 |
2.21% |
2.23% |
|
$25,000 |
2.26% |
2.28% |
|
$50,000 |
2.32% |
2.34% |
|
$100,000 |
2.37% |
2.39% |
IRA Certificates
|
Minimum Balance to Earn Stated APY |
Dividend Rate |
APY* |
|
12 month Certificate |
|
$1,000 |
1.11% |
1.11% |
|
$10,000 |
1.14% |
1.14% |
|
$25,000 |
1.17% |
1.18% |
|
$50,000 |
1.20% |
1.21% |
|
$100,000 |
1.22% |
1.23% |
|
36 month Certificate |
|
$1,000 |
1.70% |
1.71% |
|
$10,000 |
1.75% |
1.76% |
|
$25,000 |
1..79% |
1.80% |
|
$50,000 |
1.83% |
1.84% |
|
$100,000 |
1.88% |
1.89% |
|
60 month Certificate |
|
$1,000 |
2.15% |
2.17% |
|
$10,000 |
2.21% |
2.23% |
|
$25,000 |
2.26% |
2.28% |
|
$50,000 |
2.32% |
2.34% |
|
$100,000 |
2.37% |
2.39% |
All rates and yields stated below are accurate as of June 1, 2018 and are subject to change.
Auto Loans
New & Used Auto Loans
|
APR1 AS LOW AS |
MAX. TERM |
MIN. LOAN AMOUNT |
PAYMENT EXAMPLE2 |
|
New 2016 - 2018 |
|
2.24% |
24 month |
$2,500 |
$44.02 |
|
2.79% |
36 month |
$2,500 |
$30.35 |
|
3.04% |
48 month |
$5,000 |
$23.53 |
|
3.54% |
60 month |
$7,500 |
$19.60 |
|
3.89% |
72 month |
$10,000 |
$17.01 |
|
4.49% |
84 month |
$20,000 |
$15.35 |
|
Used 2014 - 2015 |
|
2.74% |
24 month |
$2,500 |
$44.24 |
|
3.29% |
36 month |
$2,500 |
$30.58 |
|
3.54% |
48 month |
$5,000 |
$23.76 |
|
4.04% |
60 month |
$7,500 |
$19.84 |
|
4.39% |
72 month |
$10,000 |
$17.25 |
|
Used 2011 - 2013 |
|
3.44% |
24 month |
$2,500 |
$44.56 |
|
3.99% |
36 month |
$2,500 |
$30.90 |
|
4.24% |
48 month |
$5,000 |
$24.09 |
|
4.74% |
60 month |
$7,500 |
$20.17 |
|
5.09% |
72 month |
$10,000 |
$17.59 |
|
Used 2007 - 2010 |
|
4.64% |
24 month |
$2,500 |
$45.10 |
|
5.19% |
36 month |
$2,500 |
$31.45 |
|
5.44% |
48 month |
$5,000 |
$24.65 |
|
5.94% |
60 month |
$7,500 |
$20.75 |
Motorcycle Loans
New & Used Cruisers & Touring
|
APR1 AS LOW AS |
MAX. TERM |
MIN. LOAN AMOUNT |
PAYMENT EXAMPLE2 |
|
New 2017 - 2018 |
|
2.79% |
36 month |
$2,500 |
$30.35 |
|
3.04% |
48 month |
$5,000 |
$23.53 |
|
3.54% |
60 month |
$7,500 |
$19.60 |
|
3.89% |
72 month |
$10,000 |
$17.01 |
|
4.49% |
84 month |
$20,000 |
$15.35 |
|
Used 2012 - 2016 |
|
3.79% |
36 month |
$2,500 |
$30.81 |
|
4.04% |
48 month |
$5,000 |
$23.99 |
|
4.54% |
60 month |
$7,500 |
$20.07 |
|
4.89% |
72 month |
$10,000 |
$17.50 |
|
Used 2009 - 2011 |
|
5.04% |
36 month |
$2,500 |
$31.38 |
|
5.29% |
48 month |
$5,000 |
$24.58 |
|
5.79% |
60 month |
$7,500 |
$20.67 |
|
6.14% |
72 month |
$10,000 |
$18.11 |
New & Used Sport, Performance & Dirt
|
APR1 AS LOW AS |
MAX. TERM |
MIN. LOAN AMOUNT |
PAYMENT EXAMPLE2 |
|
New 2017 - 2018 |
|
5.24% |
36 month |
$2,000 |
$31.48 |
|
5.74% |
48 month |
$3,500 |
$24.79 |
|
6.49% |
60 month |
$5,000 |
$21.01 |
|
6.99% |
72 month |
$10,000 |
$18.54 |
|
Used 2016 |
|
5.99% |
36 month |
$2,000 |
$31.82 |
|
6.49% |
48 month |
$3,500 |
$25.15 |
|
7.24% |
60 month |
$5,000 |
$21.38 |
|
Used 2011 - 2015 |
|
6.74% |
36 month |
$2,000 |
$32.17 |
|
7.24% |
48 month |
$3,500 |
$25.51 |
ATV, Snowmobile & Jet Ski Loans
New & Used ATV, Snowmobile & Jet Ski Loans
|
APR1 AS LOW AS |
MAX. TERM |
MIN. LOAN AMOUNT |
PAYMENT EXAMPLE2 |
|
New 2017 - 2018 |
|
5.24% |
36 month |
$2,000 |
$31.48 |
|
5.74% |
48 month |
$3,500 |
$24.79 |
|
6.49% |
60 month |
$5,000 |
$21.01 |
|
6.99% |
72 month |
$10,000 |
$18.54 |
|
Used 2016 |
|
5.99% |
36 month |
$2,000 |
$31.82 |
|
6.49% |
48 month |
$3,500 |
$25.15 |
|
7.24% |
60 month |
$5,000 |
$21.38 |
|
Used 2011 - 2015 |
|
6.74% |
36 month |
$2,000 |
$32.17 |
|
7.24% |
48 month |
$3,500 |
$25.51 |
Boat and RV Loans
New & Used Boat and RV Loans
|
APR1 AS LOW AS |
MAX. TERM |
MIN. LOAN AMOUNT |
PAYMENT EXAMPLE2 |
|
New 2017 - 2018 |
|
5.74% |
60 month |
$1,500 |
$20.65 |
|
7.74% |
84 month |
$3,000 |
$17.00 |
|
6.99% |
120 month |
$10,000 |
$12.88 |
|
6.49% |
144 month |
$20,000 |
$11.32 |
|
Used 2012 - 2016 |
|
6.49% |
60 month |
$1,500 |
$21.01 |
|
8.49% |
84 month |
$3,000 |
$1740 |
|
7.74% |
120 month |
$10,000 |
$13.29 |
|
7.24% |
144 month |
$20,000 |
$11.75 |
|
Used 2006 - 2011 |
|
7.49% |
60 month |
$1,500 |
$21.51 |
|
9.49% |
84 month |
$3,000 |
$17.94 |
|
8.74% |
120 month |
$10,000 |
$13.86 |
Home Loans
Home Equity Loans and Home Equity Line of Credit1
|
APR2 AS LOW AS |
MAX. TERM |
MIN. LOAN AMOUNT |
PAYMENT EXAMPLE3 |
|
Fixed 5 Year |
|
3.24% |
60 month |
$5,000 |
$19.46 |
|
Fixed 10 Year |
|
3.84% |
120 month |
$5,000 |
$11.22 |
|
Fixed 15 Year |
|
4.49% |
180 month |
$5,000 |
$8.79 |
|
HELOC |
|
4.75%4 |
7 year draw period; 15 year payback |
$5,000 |
|
For additional home loan products offered through our partnership with CU Members Mortgage, click here.
Mastercard® Credit Cards
Mastercard® Credit Cards
|
APR1 PURCHASES, BALANCE TRANSFERS & CASH ADVANCES |
MINIMUM
LOAN AMOUNT |
|
Platinum |
|
8.99% - 15.99% |
$500 |
|
Share Secured |
|
6.99% - 15.99% |
$250 |
Personal Loans
Personal Loans
|
APR1 AS LOW AS |
TERM |
LOAN AMOUNT |
PAYMENT EXAMPLE2 |
|
5.49% |
1 year |
$500 - $15,000 |
$87.26 |
|
5.99% |
2 year |
$1,000 - $15,000 |
$45.72 |
|
6.49% |
3 year |
$1,500 - $15,000 |
$32.06 |
|
7.24% |
4 year |
$2,000 - $15,000 |
$25.51 |
|
8.24% |
5 Year |
$3,000 - $15,000 |
$21.88 |
|
Share Secured |
|
5.00% |
10 year max. |
$250 Min. Share Bal |
|
Effective Date: 03/01/2018
|
Savings Accounts |
|
Relationship Fee |
$5.00/Month, after 3 months
Average Daily in (01) savings is less than $25; no other account relationships or direct deposit; 26 and older |
|
ACH Stop Pay |
$20.00/Request |
|
ACH Non-Sufficient Funds |
$28.00/Item |
|
Return Deposit Item |
$25.00/Each |
|
Money Market Accounts |
|
Opening Deposit |
$2,500.00 |
|
Money Market Withdrawal |
$5.00/Each after 3 per month |
|
Money Market Below Minimum |
$15.00/Month |
|
Christmas Club Accounts |
|
Christmas Club Withdrawal/Close |
$10.00/Each
|
|
Individual Retirement Accounts (IRAs) |
|
IRA Annual Fee |
None |
|
IRA Account Transfer |
$25.00/Request |
|
Close IRA |
$25.00/Account within one (1) year |
Early Withdrawal Fee
(Terms of 1 year) |
90 days' dividends or $25.00 whichever is greater |
Early Withdrawal Fee
(Terms longer than 1 year) |
180 days' dividends or $25.00 whichever is greater |
|
Certificate Accounts |
Early Withdrawal Fee
(Terms of 6 months - 1 year) |
90 days' dividends or $25.00 whichever is greater |
Early Withdrawal Fee
(Terms longer than 1 year) |
180 days' dividends or $25.00 whichever is greater |
|
Checking Accounts |
|
Monthly Maintenance Fee |
None |
|
Checking Account Non-Activity |
$5.00/Month, after 6 months of inactivity |
|
Non-Sufficient Funds |
$28.00/Item |
|
ACH Non-Sufficient Funds |
$28.00/Item |
|
Overdraft Protection |
$5.00/Transfer from CU Savings |
|
Copy of Check |
$1.00/Each |
|
Stop Pay Check or Sequence of Checks |
$20.00/Request |
|
ACH Stop Pay |
$20.00/Request |
|
Return Deposit Item |
$25.00/Each |
|
Account Research/Balancing |
$25.00/Hour |
|
Debit Mastercard® |
|
Monthly Card Fee |
None |
|
Debit/ATM Non-Sufficient Funds |
$28.00/Item |
|
Card Replacement |
$5.00/Card |
|
Debit/ATM Transactions |
8 free PIN transactions per month
$1.00 per Debit/ATM (PIN) transaction after the 8 free
Unlimited Debit/ATM (PIN) transactions for members 25 and under |
|
Credit Transactions |
Free; Credit (non PIN) transactions are unlimited |
|
Online & Mobile Banking Services |
|
Monthly Fee |
None
Standard text and data rates may still apply, check with your carrier for details. |
|
Stop Payment Request |
$20.00/Each |
|
Non-Sufficient Funds |
$28.00/Each |
|
Investigation Fee |
$25.00/Item |
|
Cashier's Checks/Money Orders/Visa® Gift Cards |
|
Check by Phone |
$5.00/Check |
|
Cashier's Check (3rd Party) |
$5.00/Check |
|
Copy of Cashier's Check |
$1.00/Each |
|
Money Order Fee |
$2.00/Each |
|
Copy of a Money Order |
$1.00/Each |
|
Visa® Gift Cards |
$3.00/Each |
|
Wire Transfers |
|
Outgoing Wires |
$15.00/Transfer |
|
Foreign Wires |
$35.00/Transfer |
|
Lending Services |
|
Credit Builder Loan |
$10.00/Application |
|
Loan Refinancing (Restrictions Apply) |
$25.00/Loan |
|
Loan Late Payment |
Refer to note and disclosure |
|
Other Service Fees |
|
Shared Service Center Fee |
$2.25/Visit |
|
Foreign Check Handling Fee |
$25.00, conversion fees not included |
|
Overnight Delivery of Funds |
Prices Vary |
|
Legal Fees |
Prices Vary |
|
Dormant Account Fee |
$5.00/Month, after 24 months |
|
Escheat Fee |
$75.00/Account |
|
Return Mail |
$3.00/Each |
|
Non-Member Check Cashing |
$5.00/Item |
|
Non-Member Coin Counting Fee |
5% of Total |
The fees appearing in this fee schedule are accurate as of 03/01/2018. If you have any questions or require current fee information please contact a Tendto team member at 814.455.6400.
Statutory Lien Notice: If you are in default on a financial obligation to Tendto Credit Union, Federal Law gives us the right to apply member shares, dividends and deposits in your account(s) at the time of default to satisfy the obligation. When you default we may exercise the right without further notification to you. Further, we may impress shares of any member who is a responsible party on a financial obligation in default at the credit union.