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Current Rates
****NOTICE****
Dividends are paid from available earnings. Dividends are
declared and rates set the last month of every quarter at the monthly Board
of Directors meeting. Payment of dividends are not guaranteed to be paid
every quarter.
The
Board of Directors of Team & Wheel Federal Credit Union has declared to pay
dividends for the 3rd quarter ending September 30, 2008 and to post dividends to
members' accounts as of September 30, 2008 at the following rates:
Federally insured by NCUA
APY= annual percentage yield
| |
Dividend Rate |
APY |
Min. Open |
Min Avg. Daily Bal. to earn Div. |
|
REGULAR SHARES |
.50% |
.50% |
20.00 |
300.00 |
|
CHRISTMAS CLUB |
.25% |
.25% |
5.00 |
100.00 |
|
VACATION CLUB |
.25% |
.25% |
5.00 |
100.00 |
|
IRA |
2.00% |
2.02% |
25.00 |
100.00 |
*Fees could reduce the earnings of
the account.
******************************************
Share Certificate Rates
Certificate rates are subject to change on a weekly basis. Current rates are
effective Wednesday to run through the following Tuesday.
Certificates purchased will be paid the purchase rate through maturity of
the certificate. A substantial penalty is imposed if certificate funds other
than dividends are withdrawn before the maturity date.
CURRENT EFFECTIVE RATES:
Wednesday, 11-12-08 through Tuesday, 11-18-08
APY= annual percentage yield
| |
Dividend Rate |
APY |
Min. Open |
Min Avg. Daily Bal. to earn Div. |
| 6
MONTH CERTIFICATE |
1.65%
|
1.66%
|
$500.00 |
$500.00 |
| 12
MONTH CERTIFICATE |
2.48%
|
2.51%
|
$500.00 |
$500.00 |
| 24
MONTH CERTIFICATE |
2.75% |
2.78%
|
$500.00 |
$500.00 |
| 36
MONTH CERTIFICATE |
3.00% |
3.04%
|
$25,000.00 |
$25,000.00 |
*Purchase rate in effect through duration
of term
*Penalty for early withdrawal
******************************************
Loan
Rates
|
The following disclosure
applies to all Sub-Accounts except Share Secured and Certificate
Secured. The Annual Percentage Rate (APR) you receive will be within
the range disclosed below and is based on your credit worthiness.
Please call the credit union to see what rate your qualify for. |
| |
|
|
|
Sub-Account |
Daily
Periodic Rate |
Annual
Percentage Rate |
|
Personal Line of Credit |
0.032877% - 0.049315% |
12.00%
- 18.00% |
|
Over Draft Line of Credit |
0.039726% - 0.049315% |
14.50% - 18.00% |
| |
|
|
|
New Auto, Truck & RV’s |
0.010685% - 0.042466% |
3.90%
- 15.50% |
|
Used Auto, Truck & RV’s |
0.010685% - 0.042466%
|
3.90%
- 15.50% |
| |
|
|
|
New Recreational Vehicle |
0.013425% - 0.29863% |
4.90% -
10.90%
|
|
Used Recreational Vehicle |
0.026027% - 0.039726% |
8.50%
- 14.50%
|
| |
|
|
|
New Motorcycle |
0.017808% - 0.034247% |
6.50% - 12.50% |
|
Used Motorcycle |
0.026027% - 0.042466% |
9.50% - 15.50% |
| |
|
|
|
New Small Equipment |
0.031507% - 0.047945% |
11.50% - 17.50% |
| |
|
|
Share Secured
3% above Index |
Call Credit Union for Rate |
Call Credit Union for Rate |
Certificate Secure
3% above Index |
Variable |
Variable |
The rates
for Share Secured and Certificate Secured Loans may change after the loan is
obtained. Contact the Credit Union for more information
Team & Wheel Federal Credit Union
1405 Trade Mart Blvd. Winston-Salem, NC 27127-5645
Phone (336) 785-0103 / Fax (336) 788-5421 / Toll Free (800) 990-TEAM
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