Rates

TLC Community Credit Union is a not-for-profit financial cooperative owned and operated by its members. The essential difference between TLC Community Credit Union and other financial institutions is that TLC's services are offered to members at rates that are frequently more favorable.


DRAFT Accounts Balance APY

Dividend Checking


$500 - $4999.99 
$5,000 - $9,999.99 
$10,000 & Over

0.03% APY
0.05% APY
0.07% APY



Money Market

$2,500 - $9,999.99
$10,000 - $24,999.99
$25,000 & 49,999.99 
$50,000 - $99,999.99 
$100,000 & Over

0.10% APY
0.10% APY
0.12% APY
0.15% APY
0.20% APY

Health Savings Account

$0.01 & Over 0.05% APY

SAVINGS Accounts
Balance
APY
Membership Savings $200 & Over 0.05% APY
Variable Savings $500 - $4,999.99
$5,000 - $9,999.99
$10,000 & Over
0.05% APY 
0.10% APY
0.10% APY
Variable IRAs

$5 - $999.99
$1,000 - Over 
0.10% APY
0.25% APY


Term
Regular Certificates
 Rate / APY

 IRAs - Rate / APY
6-11 Month* 0.30% / 0.30% APY 0.30% / 0.30% APY
12-23 Month* 0.35% / 0.35% APY 0.35% / 0.35% APY
24-35 Month* 0.55% / 0.55% APY 0.55% / 0.55% APY
36-47 Month* 0.70% / 0.70% APY 0.70% / 0.70% APY
48-59 Month* 1.40% / 1.41% APY 1.40% / 1.41% APY
60 Month* 1.70% / 1.71% APY 1.70% / 1.71% APY
Specials
Term Rate / APY IRAs - Rate / APY
27 Month** 1.05% / 1.05% APY 1.05% / 1.05% APY
54 Month** 1.85% / 1.86% APY 1.85% / 1.86% APY
PFI Bonus!!
Use TLC as your "Primary Financial Institution" (PFI) and earn MORE! Limited time only.
(Use 3 of the 4 services; Checking, Debit Card, Online Banking, Direct Deposit)
Term Rate / APY IRAs - Rate / APY
24-35 Month* 0.80% / 0.80% APY 0.80% / 0.80% APY
36-47 Month* 0.95% / 0.95% APY 0.95% / 0.95% APY
48-59 Month* 1.65% / 1.66% APY 1.65% / 1.66% APY
60 Month* 1.95% / 1.96% APY 1.95% / 1.96% APY
Specials
Term Rate / APY IRAs - Rate / APY
27 Month** 1.30% / 1.31% APY 1.30% / 1.31% APY
54 Month** 2.10% / 2.12% APY 2.10% / 2.12% APY
Internet Certificate 
Available through Online Banking Only - not eligible for PFI Bonus
Term Rate / APY IRAs - Rate / APY
7 Month* 0.45% / 0.45% APY N/A

SAVINGS ACCOUNT DISCLOSURES: APY = Annual Percentage Yield. Please see a member service representative about applicable fees and terms. How is interest compounded? Dividend Checking - monthly; Money Market - monthly; Health Savings Account - monthly; Membership Savings - quarterly; Variable Savings - quarterly; Variable IRAs - quarterly. What is the minimum balance to open an account? Dividend Checking - $50.00; Money Market - $50.00; Health Savings Account - $50.00; Membership Savings - $5.00; Variable Savings - $5.00; Variable IRAs - $5.00. Dividend Checking, Money Market and Health Savings APYs are as of 01-31-17 with dividends declared monthly. Membership Savings, Variable Savings and Variable IRAs APYs are as of 01-31-17 with dividends declared quarterly. Yields are subject to change. CERTIFICATE DISCLOSURES:  APY = Annual Percentage Yield. Yields are subject to change. Please see a member service representative about applicable fees and terms. 180 day penalty for early withdrawal. *$1,000 minimum deposit to open and earn the stated APY. **$10,000 minimum deposit to open and earn the stated APY. APYs are as of 01-31-17 and subject to change.

Popular rates are listed below. Contact a loan officer for additional loan options and rates.

You can lower your rate by 0.25% APR by making TLC your Institution of Choice (PFI)! Limited time only.
(Use 3 of the 4 services: Checking, Debit Card, Online Banking, Direct Deposit)

New Auto - NEW MONEY ONLY
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower
New 2016-2017 66 Months 2.24% APR 3.24% APR 5.24% APR 7.24% APR 9.24% APR 11.24% APR
New 2016-2017 72 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
New 2016-2017 78 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
Used Auto - NEW MONEY ONLY
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower
2013-2016 66 Months 2.24% APR 3.24% APR 5.24% APR 7.24% APR 9.24% APR 11.24% APR
2013-2016* 72 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
2013-2016* 78 Months 2.99% APR 3.99% APR
5.99% APR 7.99% APR 9.99% APR 11.99% APR
2012* 72 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
2010-2011 60 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
2009 54 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
2008 48 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
2007 and older 36 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
New Auto - REFINANCE
Type of LoanTerm740+700 - 739660 - 699630 - 659600 - 629599 and lower
New 2016-201766 Months2.24% APR3.24% APR5.24% APR7.24% APR9.24% APR11.24% APR
New 2016-201772 Months2.99% APR3.99% APR5.99% APR7.99% APR9.99% APR11.99% APR
New 2016-201778 Months2.99% APR3.99% APR5.99% APR7.99% APR9.99% APR11.99% APR
Used Auto - REFINANCE
Type of LoanTerm740+700 - 739660 - 699630 - 659600 - 629599 and lower
2013-201666 Months2.24% APR3.24% APR5.24% APR7.24% APR9.24% APR11.24% APR
2013-2016*72 Months2.99% APR3.99% APR5.99% APR7.99% APR9.99% APR11.99% APR
2013-2016*78 Months2.99% APR3.99% APR
5.99% APR7.99% APR9.99% APR11.99% APR
2012*72 Months3.25% APR4.25% APR6.25% APR8.25% APR10.25% APR12.25% APR
2010-201160 Months3.75% APR4.75% APR6.75% APR8.75% APR10.75% APR12.75% APR
200954 Months4.25% APR5.25% APR7.25% APR9.25% APR11.25% APR13.25% APR
200848 Months4.75% APR5.75% APR7.75% APR9.75% APR11.75% APR13.75% APR
2007 and older36 Months5.25% APR6.25% APR8.25% APR10.25% APR12.25% APR14.25% APR

Popular rates are listed below. Contact a loan officer for additional loan options and rates.

You can lower your rate by 0.25% APR by making TLC your Institution of Choice (PFI)! Limited time only.
(Use 3 of the 4 services: Checking, Debit Card, Online Banking, Direct Deposit)

Motorcycles / Roadbikes
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower
New 66 Months 4.25% APR 5.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR
2011-2016 60 Months 5.25% APR 6.25% APR 8.25% APR 10.25% APR 12.25% APR 14.25% APR
2010 & Older 48 Months 6.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR 15.25% APR
4 Wheelers, Snowmobiles, Waverunners, Dirt Bikes
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower
New 60 Months 6.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR 15.25% APR
Used 48 Months 7.25% APR 8.25% APR 10.25% APR 12.25% APR 14.25% APR 16.25% APR
Boats
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower
Up to $10,000 72 Months 3.50% APR 4.50% APR 6.50% APR 8.50% APR 10.50% APR 12.50% APR
$10,001-$20,000 96 Months 3.50% APR 4.50% APR 6.50% APR 8.50% APR 10.50% APR 12.50% APR
$20,001-$35,000 144 Months 3.50% APR 4.50% APR 6.50% APR 8.50% APR 10.50% APR 12.50% APR
$35,001 & Higher 180 Months 3.50% APR 4.50% APR 6.50% APR 8.50% APR 10.50% APR 12.50% APR
Motor Homes & Travel Trailers
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower
Up to $10,000 60 Months 4.25% APR 5.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR
$10,001-$20,000 72 Months 4.25% APR 5.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR
$20,001-$35,000 120 Months 4.25% APR 5.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR
$35,001 & Higher 180 Months 4.25% APR 5.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR

Popular rates are listed below. Contact a loan officer for additional loan options and rates.

You can lower your rate by 0.25% APR by making TLC your Institution of Choice (PFI)! Limited time only.
(Use 3 of the 4 services: Checking, Debit Card, Online Banking, Direct Deposit)

Lawn & Garden
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower
New Up to 60 Months 5.25% APR 6.25% APR 8.25% APR 10.25% APR 12.25% APR 14.25% APR
Used Up to 60 Months 6.25% APR 7.25% APR 9.25% APR 11.25% APR 13.25% APR 15.25% APR
Personal Installment**
Type of Loan Term 740+ 700 - 739 660 - 699 630 - 659 600 - 629 599 and lower

7.75% APR 8.75% APR 10.75% APR 12.75% APR 14.75% APR 16.75% APR
Unsecured Express For Home Improvement**
Type of Loan Term 740+ 700 - 739 680 - 699

$7,500-$25,000 120 Months 5.25% APR 6.25% APR 8.25% APR
   
$10,001-$25,000 121-180 Months 5.75% APR 6.75% APR 8.75% APR      

Interest Rates
Interest Charges
Annual Percentage Rates (APR) for Purchases 7.95% to 18.00%
When you open your credit card, based on your credit worthiness
APR Balance Transfers 7.95% to 18.00%
APR for Cash Advances 7.95% to 18.00%
Penalty APR None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimal Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None

Transaction Fees
Balance Transfer




None
Cash Advance None
Foreign Transaction 1% of each transaction in U.S. Dollars


Penalty Fees

Late Payment Up to $30
Over the Credit Limit Up to $30
Returned Payment $25


Other Fees


Card Replacement $5
Document Copy $10

How we will Calculate Your Balance:  

We use a method called "average daily balance" (including new purchases). 

The information about the costs of the card described in this application is accurate as of October 2014. This information may have changed after that date. To find out what may have changed, call us at 1-800-828-3901 or write to us at P.O. Box 8054, Plymouth, Michigan 48170. To view the Card Holder Agreement, CLICK HERE .

AUTO, RECREATIONAL, & MISCELLANEOUS DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program. Check with the Loan Department for current loan rates. Certain restrictions apply. Listed rates/APRs are as of 01/06/17 and subject to change. *Less than 40,000 miles. **PFI Discount does not apply. 


Type of Account Balance APY
Checking $2,000 - $24,999.99
$25,000 - $74,999.99
$75,000 & over
0.03% APY
0.05% APY
0.07% APY
Money Market $2,500 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 & Over
0.10% APY
0.10% APY
0.12% APY
0.15% APY
0.20% APY



Type of Account Balance APY
Business Savings $200 & over 0.05% APY

Annual Percentage Yield (APY) based on interest compounded quarterly. Yields are subject to change. Dividends paid using the average daily balance for the dividend period. Minimum balance to open either account is $5.00. Please see a member services representative about applicable fees and terms. 

Interest Rates Interest Charges
Annual Percentage Rates (APR) for purchases 5.25%
This APR will vary with the market based on the Prime Rate
APR for Balance Transfers 10.00%
This APR will vary with the market based on the Prime Rate
APR for Cash Advances 10.00%
This APR will vary with the market based on the Prime Rate
Penalty APR None
How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
Fees

Annual Fee

None

Transaction Fees
Balance Transfer

 
None
Cash Advance None
Foreign Transaction 1% of each transaction in U.S. Dollars
Penalty Fees


Late Payment Up to $30
Over-the-Credit Limit Up to $30
Returned Payment $25
Other Fees


Card Replacement $5
Document Copy $10

How we will Calculate Your Balance:
We use a method called “average daily balance“
(including new purchases).

DEPOSIT ACCOUNT DISCLOSURES: APY = Annual Percentage Yield. Yields are subject to change. Please see a member service representative about applicable fees and terms. How is interest compounded?  Checking - monthly; Money Market - monthly; Membership Savings -quarterly. What is the minimum balance to open an account? Checking - $50.00; Money Market - $50.00; Membership Savings - $5.00. Checking, Money Market and Business Savings APYs are as of 12-31-16 with dividends declared monthly. VISA CREDIT CARD DISCLOSURES: The information about the costs of the card described in this application is accurate as of November 2014. This information may have changed after that date. To find out what may have changed, call us at 1-800-828-3901 or write to us at P.O. Box 8054, Plymouth, Michigan 48170. To view the Card Holder Agreement, CLICK HERE