Rates

Times FCU offers competitive rates on a wide variety of loans and savings accounts. Start taking advantage of our great rates today!

Loan Rates: Effective December 1, 2014. Rates are subject to change without notice.
Times FCU offers affordable loans for a variety of purposes.  If the category you're looking for is not listed, Contact our office so we can help you determine the most affordable way to finance your purchase.

For a limited time only, call us for information on our loan specials for new/used autos and signature loans.

Loan Type Rate APR* Maximum Term
New/Used Vehicles 4.75%* 4.75% 1 to 4 years
New/Used Vehicles 5.75%* 5.75% 5 years
New/Used Vehicles 6.75%* 6.75% 6 years
New/Used Vehicles 8.00% 8.00% 7 years
Auto Loan Rates are based on vehicles not older than 4 years.
Auto Rates with an asterisk(*) deduct additional 0.25% with Direct Deposit
7 year loan - for vehicles financed over $30,000.00
We now do "DEALER MATCH FINANCING" ... now that's what we call a G-R-E-A-T deal!
Signature Loans
Maximum for homeowners $25,000.00    
Maximum for non-homeowners $25,000.00    
1 year 9.75% 9.75%
2 years 10.50% 10.50%
3 years 11.25% 11.25%
4 years 12.00% 12.00%
5 years 12.75% 12.75%
6 years 13.00% 13.00%
Special Rates
Share Draft Line of Credit 14.50% 14.50%
Savings Secured Loans
Savings Secured (100%)
        (savings rate plus 3.00%)
3.01% 3.70% up to 12 years
Savings Secured (50%) 8.50% 8.50% up to 5 years

All Loan Specials are identified with an asterisk (*) (Limited Time Only!)
Share Secured Loans - Dividend Rates plus 3.00%
LATE CHARGES: You agree to pay a late charge of 5% of your payment if any advance is past due 5 days or more.
The minimum late charge fee is $10.00
The rates are effective as of the date listed and may change anytime as determined by the Board of Directors.
COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees

*APR = Annual Percentage Rate

Savings Rates         Effective September 1, 2013  

Account Type Rate APY* Minimum
Shares (Savings) 0.01% 0.01% $100.00
Shares (Savings) 0.01% 0.01% $20,000.00
Shares (Savings) 0.01% 0.01% $50,000.00
Shares (Savings) 0.005% 0.005% $100,000.00 & over
Share Draft (Checking) N/A N/A N/A
Christmas Savings 0.02% 0.02% N/A

 

Certificate Rates         Effective September 1, 2013                                                                                                                                         

Account Term Rate APY* Minimum
6 month Certificate 0.05% 0.05% $2,500.00
1 year Certificate 0.05% 0.05% $1,000.00
2 year Certificate 0.05% 0.05% $1,000.00
A penalty is imposed for early withdrawal

 

*APY = Annual Percentage Yield

All rates are subject to change.
If you have any questions or need additional information, please call (808) 831-0986, or email us.