Rates

Vehicle

 

HOLIDAY CLOSING:

MONDAY, DECEMBER 25, 2023 THROUGH MONDAY, JANUARY 1, 2024- CHRISTMAS SHUTDOWN

________________________________________________________

EFFECTIVE, MONDAY, APRIL 17, 2023, THE CREDIT UNION WILL BE OPERATING AT THE FOLLOWING LOCATION: 

 

TANDEM FEDERAL CREDIT UNION

21043 MOUND ROAD

WARREN, MI  48091

 

CREDIT UNION HOURS: MONDAY – FRIDAY, 9:30 A.M. TO 4:30 P.M.

 

PHONE NUMBER:  (313) 926-5281

_____________________________________________________

THE UNITY-LINE IS OPERATIONAL.  CREDIT UNION SERVICE CENTER LOCATIONS AND SHARED BRANCHES ARE AVAILABLE. 

PLEASE VISIT THE BRANCH LOCATOR AT:  WWW.CO-OPCREDITUNIONS.ORG/LOCATOR

_______________________________________________

EXPERIAN CREDIT SCORINIG

A = 680 AND ABOVE

B = 630 – 679

C = 600 – 629

D = 599 AND BELOW 

 

VEHICLE LOANS (Titled)

LOAN RATES EFFECTIVE 10/01/2023

Credit Rating A APR* B APR* C APR* D APR*
24 months 4.00 4.50 8.75 11.75
36 months 4.50 5.00 9.25 12.25
48 months 5.00 5.50 9.75 12.75
54 months 5.25 5.75 10.00 13.00
60 months 5.50 6.00 10.25 13.25
66 months (>$25K) 5.75 6.25 10.60 13.60
72 months (>$25K) 6.00 6.50 11.20 14.20

MODEL YEARS:  (2018-2022) — ADD 1.00% TO ALL ABOVE VEHICLE RATES

MODEL YEARS:  (2017 & OLDER) — ADD 2.00% TO ALL ABOVE VEHICLE RATES

VEHICLE LOANS (Motor Homes,Boats > $25k)

Credit Rating A APR* B APR* C APR* D APR*
84 Months 7.60 8.80 11.85 14.90
85-120 months 9.60 10.80 12.85 15.90

MODEL YEARS:  (2018- 2022) — ADD 1.00% TO ALL ABOVE VEHICLE RATES

MODEL YEARS:  (2017 & OLDER) — ADD 2.00% TO ALL ABOVE VEHICLE RATES

VEHICLE LOANS (Other Titled/Non-Titled) (Snowmobiles,etc.)

Credit Rating A APR* B APR* C APR* D APR*
12 months 5.00 7.00 10.00 12.00
24 months 6.00 8.00 11.00 13.00
36 months 7.00 9.00 12.00 14.00
48 months 8.00 10.00 13.00 15.00

* APR = ANNUAL PERCENTAGE RATE

EXPERIAN CREDIT SCORINIG

A = 680 AND ABOVE

B = 630 – 679

C = 600 – 629

D = 599 AND BELOW 

Home Equity

HOME EQUITY LINE-OF-CREDIT (Closed-End Fixed Rate) (Member Pays Closing Costs)

LOAN RATES EFFECTIVE 10/01/2023

Credit Rating A APR* B APR* C APR* D APR*
5 years 6.50

6.50

7.00 7.50
7 years 6.75 6.75 7.25 7.75
10 years 7.50 7.50 8.00 8.50
15 years 8.00 8.00 8.50 9.00

* APR = ANNUAL PERCENTAGE RATE

EXPERIAN CREDIT SCORINIG

A = 680 AND ABOVE

B = 630 – 679

C = 600 – 629

D = 599 AND BELOW 

Visa

LOAN RATES EFFECTIVE 10/01/2023

 TYPE  A-APR*  B-APR*  C-APR*  D-APR*
 VISA CLASSIC  12.24  12.24  12.24  12.24
 VISA GOLD  8.54  8.54  N/A  N/A

* APR = ANNUAL PERCENTAGE RATE

EXPERIAN CREDIT SCORINIG

A = 680 AND ABOVE

B = 630 – 679

C = 600 – 629

D = 599 AND BELOW 

Signature

LOAN RATES EFFECTIVE 10/01/2023

 TERM  A-APR*  B-APR*  C-APR*  D-APR*
 UP TO 12 MOS  7.50  9.50  12.00  14.50
 13-48 MOS  9.50  11.50  16.50  18.00

* APR = ANNUAL PERCENTAGE RATE

EXPERIAN CREDIT SCORINIG

A = 680 AND ABOVE

B = 630 – 679

C = 600 – 629

D = 599 AND BELOW 

Pledge

LOAN RATES EFFECTIVE 10/01/2023

SHARE OR CERTIFICATE PLEDGE LOAN RATES ARE 3.50% APR ABOVE THE RATE EARNED ON THE PLEDGED ACCOUNT.

 

Savings

SHARE RATES EFFECTIVE FOR PERIOD ENDING 09/30/23

Savings Rate APY* Term
Regular Shares (Quarterly Dividends) 0.350 0.350 n/a
Christmas Club (Quarterly Dividends) 0.350 0.350 n/a
IRA Account (Quarterly Dividends) 0.350 0.350 n/a
Money Market $2500-$49,999 (Monthly Dividends) 0.800 0.800 n/a
Money Market $50,000-$99,999 (Monthly Dividends) 1.000 1.000 n/a
Money Market $100,000 and Above (Monthly Dividends) 1.200 1.200 n/a

*APY = ANNUAL PERCENTAGE YIELD

Certificates

CERTIFICATE RATES EFFECTIVE 10/01/2023

Certificates Rate APY* Term
90-Day Jumbo Certificate (Dividends at Maturity) $50,000.00 and above 1.200 1.200 3
6 Months Certificate (Dividends at Maturity) $5,000.00 – $24,999.99 1.100 1.100 6
6 Months Certificate (Dividends at Maturity) $25,000.00 to $49,999.99 1.200 1.200 6
6 Months Certificate (Dividends at Maturity) $50,000.00 and above 1.300 1.300 6
12 Months Certificate (Dividends at Maturity) $5,000.00 – $24,999.99 1.400 1.400 12
12 Months Certificate (Dividends at Maturity) $25,000.00 – $49,999.99 1.500 1.500 12
12 Months Certificate (Dividends at Maturity) $50,000.00 and above 1.600 1.600 12
18 Months Certificate (Dividends at Maturity) $5,000.00 – $24,999.99 1.700 1.700 18
18 Months Certificate (Dividends at Maturity) $25,000.00 – $49,999.99 1.800 1.800 18
18 Months Certificate (Dividends at Maturity) $50,000.00 and above 1.900 1.900 18
24 Months Certificate (Dividends Paid Annually) $5,000.00 – $24,999.99 2.000 2.000 24
24 Months Certificate (Dividends Paid Annually) $25,000.00 – $49,999.99 2.050 2.050 24
24 Months Certificate (Dividends Paid Annually) $50,000.00 and above 2.200 2.200 24
36 Months Certificate (Dividends Paid Annually) $5,000.00 – $24,999.99 2.400 2.400 36
36 Months Certificate (Dividends Paid Annually) $25,000.00 – $49,999.99 2.500 2.500 36
36 Months Certificate (Dividends Paid Annually) $50,000.00 and above 2.600 2.600 36
48 Months Certificate (Dividends Paid Annually) $5,000.00 – $24,999.99 2.800 2.800 48
48 Months Certificate (Dividends Paid Annually) $25,000.00 – $49,999.99 2.900 2.900 48
48 Months Certificate (Dividends Paid Annually) $50,000.00 and above 3.000 3.000 48

*APY = ANNUAL PERCENTAGE YIELD