Thunder Bay Area Credit Union
417 W. Chisholm Street,   Alpena, Michigan   49707
 
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Current Rates and Terms

Last Updated: July 1, 2010      All rates are subject to change without notice.



Loans | Mortgages | Savings | Certificates | Loan Calculator | Loan Comparison

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Titled Vehicle Loans (Autos/Morotcycles) Rate
As Low As		 APR* Max Term
Months
New 2010-2009 4.50% 4.50% 72
Used 2008 5.25% 5.25% 66
Used 2007 5.50% 5.50% 60
Used 2006-2005 5.50% 5.50% 54
Used 2004 6.50% 6.50% 48
Used 2003 & Older 6.75% 6.75% 36
Untitled/Recreational Vehicle Loans
(Motor Homes/Campers/Boats)		 Rate
As Low As		 APR* Max Term
Months
New 2010-2009 5.50% 5.50% 84
Used 2008-2005 6.50% 6.50% 84
Used 2004 & Older 8.50% 8.50% 24-60
Snowmobiles/Watercraft/ATV's Rate
As Low As		 APR* Max Term
Months
2010-2009 5.50% 5.50% 60
2008-2005 7.00% 7.00% 48
2004 & Older 8.50% 8.50% 36
Tractor Loans Rate
As Low As		 APR* Max Term
Months
2010-1998 (up to $19,999) 5.75% 5.75% 60
2008-1998 (Over $20,000) 6.75% 6.75% 120
1998 & Older Call For Rates Call For Rates TBD
Other Loans and Credit Cards Rate
As Low As		 APR* Max Term
Months
Loan Special (up to $5,000) 5.00% 5.00% 36
Share Secured Loan 5.00% 5.00% n/a
Visa Platinum 11.96%-12.96% 11.96%-12.96% n/a
Mortgages Rate APR*  
3 Year Balloon (30 Year Amortization) 4.50% 4.50% n/a
5 Year Balloon (30 Year Amortization) 4.75% 4.75% n/a
15 Year Fixed 5.00% 5.00% n/a
Home Equity Line of Credit 5.00% 5.00% n/a

*APR=Annual Percentage Rate
The above listed loan rates are our best rate and is based on credit score. Not all members qualify for the best rate.

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Savings Dividend Rate APY*
Shares (Minimum balance is $5) 0.25% 0.25%
Christmas Club 0.25% 0.25%
Vacation Club 0.25% 0.25%
Special Deposit Account ($2,000-$19,999) 0.75% 0.75%
Special Deposit Account ($20,000-$49,999) 1.00% 1.00%
Special Deposit Account ($50,000 and more) 1.10% 1.11%
Individual Retirement Account (IRA) 2.85% 2.89%

*APY=Annual Percentage Yield
Rates may change after the account is opened.
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Certificates Dividend Rate APY*
6 Month Certificate 0.95% 0.95%
1 Year Certificate 1.15% 1.15%

*APY=Annual Percentage Yield
Early withdrawal fees may reduce earnings.

Minimum deposit amount for certificates is $1,000. Youth (under 18 years old) certificates available for a minimum deposit of $250
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