Tendto Credit Union

All rates and yields stated below are accurate as of March 1, 2023 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened.

Savings
Money Market
Share Certificates
IRA Certificates

Savings Accounts

Dividend Rate

APY*

Savings (01)**

0.10%

Special Savings (03, 09)

0.05%

Christmas Club (08)

0.10%

IRA Accumulation

0.10%

*APY - Annual Percentage Yield
**The minimum Savings 01 balance to earn the stated APY is $5.01.

Money Market

Minimum Balance to Earn Stated APY

Dividend Rate

APY*

$2,500

0.45%

$10,000

0.50%

$25,000

0.55%

$50,000

0.65%

$100,000

0.80%

$200,000

1.00%

*APY - Annual Percentage Yield

Share Certificate Specials

Minimum Balance to Earn Stated APY

Dividend Rate

APY*

15-Month Term Certificate

$1,000

4.50%

4.58%

27-Month Term Certificate

$1,000

4.00%

4.06%

*APY - Annual Percentage Yield
Penalty imposed for early withdrawal.
Offer may end at any time. Certain restrictions apply.

Share Certificates

Minimum Balance to Earn Stated APY

Dividend Rate

APY*

6 to 11 month Certificate

$1,000

1.00%

$10,000

1.02%

$25,000

1.05%

$50,000

1.07%

$100,000

1.10%

12 to 23 month Certificate

$500

1.35%

1.36%

$1,000

1.50%

1.51%

$10,000

1.54%

1.55%

$25,000

1.58%

1.59%

$50,000

1.61%

1.62%

$100,000

1.65%

1.66%

24 to 35 month Certificate

$1,000

1.40%

1.41%

$10,000

1.44%

1.45%

$25,000

1.47%

1.48%

$50,000

1.51%

1.52%

$100,000

1.54%

1.55%

36 to 47 month Certificate

$1,000

1.50%

1.51%

$10,000

1.53%

1.54%

$25,000

1.57%

1.58%

$50,000

1.61%

1.62%

$100,000

1.64%

1.65%

48 to 59 month Certificate

$1,000

1.75%

1.76%

$10,000

1.79%

1.80%

$25,000

1.83%

1.84%

$50,000

1.87%

1.88%

$100,000

1.91%

1.92%

60 month Certificate

$1,000

2.00%

2.02%

$10,000

2.05%

2.07%

$25,000

2.10%

2.12%

$50,000

2.15%

2.17%

$100,000

2.20%

2.22%

*APY - Annual Percentage Yield
Penalty imposed for early withdrawal.

IRA Certificates

Minimum Balance to Earn Stated APY

Dividend Rate

APY*

12 month Certificate

$1,000

1.50%

1.51%

$10,000

1.54%

1.55%

$25,000

1.58%

1.59%

$50,000

1.61%

1.62%

$100,000

1.65%

1.66%

36 month Certificate

$1,000

1.50%

1.51%

$10,000

1.53%

1.54%

$25,000

1.57%

1.58%

$50,000

1.61%

1.62%

$100,000

1.64%

1.65%

60 month Certificate

$1,000

2.00%

2.02%

$10,000

2.05%

2.07%

$25,000

2.10%

2.12%

$50,000

2.15%

2.17%

$100,000

2.20%

2.22%

*APY - Annual Percentage Yield
Penalty imposed for early withdrawal.

All rates and yields stated below are accurate as of March 1, 2023 and are subject to change.

Auto Loans
Motorcycle Loans
ATV, Snowmobile & Jet Ski Loans
Boat and RV Loans
Home Loans
Mastercard^® Credit Cards
Personal Loans

Auto Loans

New & Used Auto Loans

APR¹AS LOW AS

MAX. TERM

MIN. LOAN AMOUNT

PAYMENT EXAMPLE²

New 2023

6.49%

24 month

$2,500

$46.01

6.99%

36 month

$2,500

$32.35

7.24%

48 month

$5,000

$25.57

7.74%

60 month

$7,500

$21.70

7.99%

72 month

$15,000

$19.12

8.49%

84 month

$25,000

$17.47

9.24%

96 month

$40,000

$16.44

Used 2021 - 2022

6.49%

24 month

$2,500

$46.01

6.99%

36 month

$2,500

$32.35

7.24%

48 month

$5,000

$25.57

7.74%

60 month

$7,500

$21.70

7.99%

72 month

$15,000

$19.12

8.49%

84 month

$25,000

$17.47

9.24%

96 month

$40,000

$16.44

Used 2017 - 2020

7.07%

24 month

$2,500

$46.28

7.57%

36 month

$2,500

$32.63

7.82%

48 month

$5,000

$25.85

8.32%

60 month

$7,500

$21.99

8.57%

72 month

$15,000

$19.41

9.07%

84 month

$25,000

$17.78

Used 2014 - 2016

8.99%

24 month

$2,500

$47.17

9.49%

36 month

$2,500

$33.54

9.74%

48 month

$5,000

$26.79

10.24%

60 month

$7,500

$22.96

10.49%

72 month

$15,000

$20.42

Used 2012 - 2013

10.49%

24 month

$2,500

$47.88

10.99%

36 month

$2,500

$34.27

11.24%

48 month

$5,000

$27.54

11.74%

60 month

$7,500

$23.74

Used 2010 - 2011

11.24%

24 month

$2,500

$48.23

11.74%

36 month

$2,500

$34.63

11.99%

48 month

$5,000

$27.92

Used 2008 - 2009

11.99%

24 month

$2,500

$48.59

12.49%

36 month

$2,500

$35.00

¹ APR - Annual Percentage Rate. All rates subject to change and based on creditworthiness. Your rate may vary.
² The payment example given is the monthly payment per $1000 borrowed for the rate and term specified with Payment Protection.

Motorcycle Loans

New & Used Cruisers & Touring

APR¹ AS LOW AS

MAX. TERM

MIN. LOAN AMOUNT

PAYMENT EXAMPLE²

New 2022 - 2023

6.99%

36 month

$2,500

$32.35

7.24%

48 month

$5,000

$25.57

7.74%

60 month

$7,500

$21.70

7.99%

72 month

$15,000

$19.12

8.49%

84 month

$25,000

$17.47

Used 2017 - 2021

7.99%

36 month

$2,500

$32.83

8.24%

48 month

$5,000

$26.06

8.74%

60 month

$7,500

$22.20

8.99%

72 month

$15,000

$19.63

Used 2014 - 2016

9.24%

36 month

$2,500

$33.42

9.49%

48 month

$5,000

$26.67

9.99%

60 month

$7,500

$22.83

10.24%

72 month

$15,000

$20.29

New & Used Sport, Performance & Dirt

APR¹AS LOW AS

MAX. TERM

MIN. LOAN AMOUNT

PAYMENT EXAMPLE²

New 2022 - 2023

9.99%

36 month

$2,000

$33.78

10.24%

48 month

$3,500

$27.04

10.74%

60 month

$5,000

$23.22

Used 2021

10.99%

36 month

$2,000

$34.27

11.24%

48 month

$3,500

$27.54

11.74%

60 month

$5,000

$23.74

Used 2016 - 2020

12.24%

36 month

$2,000

$34.88

12.49%

48 month

$3,500

$28.18

ATV, Snowmobile & Jet Ski Loans

New & Used ATV, Snowmobile & Jet Ski Loans

APR¹AS LOW AS

MAX. TERM

MIN. LOAN AMOUNT

PAYMENT EXAMPLE²

New 2022 - 2023

9.99%

36 month

$2,000

$33.78

10.24%

48 month

$3,500

$27.04

10.74%

60 month

$5,000

$23.22

Used 2021

10.99%

36 month

$2,000

$34.27

11.24%

48 month

$3,500

$27.54

11.74%

60 month

$5,000

$23.74

Used 2016 - 2020

12.24%

36 month

$2,000

$34.88

12.49%

48 month

$3,500

$28.18

Boat and RV Loans

New & Used Boat and RV Loans

APR¹ AS LOW AS

MAX. TERM

MIN. LOAN AMOUNT

PAYMENT EXAMPLE²

New 2022 - 2023

8.24%

60 month

$1,500

$21.95

7.74%

84 month

$3,000

$17.07

7.49%

120 month

$10,000

$13.21

7.24%

144 month

$20,000

$11.81

Used 2017 - 2021

9.24%

60 month

$1,500

$22.45

8.74%

84 month

$3,000

$17.60

8.49%

120 month

$10,000

$13.77

8.24%

144 month

$20,000

$12.39

Used 2011 - 2016

9.99%

60 month

$1,500

$22.83

9.49%

84 month

$3,000

$18.01

9.24%

120 month

$10,000

$14.20

Home Loans

Home Equity Loans and Home Equity Line of Credit¹

APR²AS LOW AS

MAX. TERM

MIN. LOAN AMOUNT

PAYMENT EXAMPLE³

Fixed 5 Year

5.49%

60 month

$10,000

$19.10

Fixed 7 Year

5.99%

84 month

$15,000

$14.60

Fixed 10 Year

6.24%

120 month

$20,000

$11.22

Fixed 15 Year

6.49%

180 month

$30,000

$8.71

HELOC

6.50%⁴

7 year draw period; 15 year payback

$10,000

¹ Tendto Credit Union NMLS# 532359. Financing available in select counties only. 90% maximum loan to value. Closing costs between $278.50 - $1,250.00. Additional charges could apply if a well and septic review are needed. Homeowners insurance is required.
² APR - Annual Percentage Rate. All rates subject to change and based on creditworthiness. Your rate may vary.
³ The payment example given is the monthly payment per $1000 borrowed for the rate and term specified without Payment Protection. Payment does not include amounts for taxes and insurance premiums, actual obligation will be greater.
⁴ The APR is variable based on the prime rate published in the Wall Street Journal. Maximum APR is 18.00%.

Mastercard^® Credit Cards

APR¹ PURCHASES, BALANCE TRANSFERS & CASH ADVANCES

MINIMUM
LOAN AMOUNT

Platinum

8.99% - 15.99%

$1,500

Share Secured

6.99% - 15.99%

$1,500

¹APR - Annual Percentage Rate. All rates subject to change and based on creditworthiness. Your rate may vary. No Annual Fee. Click here to view the full credit card disclosure. Please note, this document contains a link to a 3rd party site.

Personal Loans

APR¹AS LOW AS

TERM

LOAN AMOUNT

PAYMENT EXAMPLE²

7.49%

1 year

$500 - $25,000

$88.25

7.99%

2 year

$750 - $25,000

$46.71

8.49%

3 year

$2,000 - $25,000

$33.06

8.99%

4 year

$3,500 - $25,000

$26.42

9.49%

5 Year

$5,000 - $25,000

$22.58

Share Secured

5.00%

10 year max.

$250 Min. Share Bal

Rates

Auto Loans

Motorcycle Loans

ATV, Snowmobile & Jet Ski Loans

Home Loans

Mastercard® Credit Cards

Personal Loans

Mastercard^® Credit Cards