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Rates

The following represents our standard rates effective as of 04/01/2016.  Also, with qualifying credit, many times we can meet or beat a rate quoted elsewhere!
We also run unadvertised specials from time to time.  Be sure to call!

LoansRateAPR**Term
New Auto - 72 Months3.953.9572
New Auto - 60 Months 2.95 2.95 60
Used Auto -14 to 16 - 60 Months 4.254.25 60
Used Auto -14 to 16 - 48 Months 3.953.9548
Used Auto - 11 to 13 - 60 Months5.955.95 60
Used Auto - 11 to 13 - 48 Months5.755.75 48
Used Auto - 08 to 10 - 48 Months7.257.25 48
Used Auto - 2007 & Older - 36 Months 9.50 9.50 36
New RV - 60 Months3.953.95 60
Used RV - 13 to 16 - 60 Months5.505.50 60
Used RV - 08 to 12 - 60 Months 6.95 6.95 60
Used RV - 2007 & Older - 48 Months 8.508.50 48
New Motorcycle - 15 to 16 - 60 Months6.256.25 60
Used Motorcycle - 2013 to 2015 - 48 Months 7.257.2548
Used Motorcycle - 2012 & Older - 48 months8.758.7548
Share Certificate Secured -
Term = Term of Certificate...Rate = CD rate + $2.00%
 0.00n/a
Personal Line of Credit - $35/$1,000 13.90 13.90 n/a
Overdraft Line of Credit - $35/$1,000 13.90 13.90 n/a
Home Equity - 180 Months* 7.007.00 180
Home Equity - 120 Months*6.256.25 120
Home Equity - 60 Months* 3.95 3.95 60
Home Equity Line of Credit* 4.25 4.25 12
Signature - 36 Months 12.90 12.90 36
Signature/Vechicle - 48 Months 10.95 10.95 48
Share Secured- 60 Months 3.00 3.00 60
Share Secured - 120 Months 4.00 4.00 120
Term Note - 12 Months 14.95 14.95 12
 MasterCard Classic 11.90 11.90n/a  
 MasterCard Gold -
$5,000+ monthly household income to qualify
 9.90 9.90n/a

"Term" represents the maximum number of months for this type of loan.
*Certain Home Equity fees and appraisal costs may apply.
** Annual Percentage Rate

                                         Savings (Click the account type for additional disclosures)

Basic Share Savings, Kirby Accounts Tier 1 = up to $4,999.99. Tier 2 = $5,000.00+
Money Market Tier 1 = $5000.00-$24,999.99; Tier 2 = $25,000.00-$49,999.99; Tier 3 = $50,000.00-$89,999; Tier 4 = $90,000+.

RateAPY*Term
Basic Share Savings - Tier 10.250.25n/a
Basic Share Savings - Tier 20.400.40n/a
Kirby Kangaroo Accounts - Tier 10.650.65n/a
Kirby Kangaroo Accounts - Tier 20.800.80n/a
    
Holiday Accounts 0.500.50n/a
IRA Share (minimum $1,000)0.950.95n/a
IRA 36 - Month Certificate (minimum $1,000)1.501.5136
Money Market Accounts - Tier 10.700.70n/a
Money Market Accounts - Tier 20.800.80n/a
Money Market Accounts- Tier 30.900.90n/a
Money Market Accounts- Tier 41.151.16n/a

 * Annual Percentage Yeild. Rates may vary after the account is opened. APY is accurate as of the date listed above.
† Christmas Club Account Early Withdrawl Fee = $10/withdrawal

                                             Certificates

  (Click here for additional certificate disclosures)

 RateAPY*Term
Share Certificate -   6 Months (minimum $2,500)0.700.706
Share Certificate - 12 Months (minimum $2,500)0.900.9012
Share Certificate - 24 Months (minimum $2,500)1.101.1024
Share Certificate - 36 Months (minimum $2,500)1.451.4636
Share Certificate - 48 Months (minimum $2,500)1.601.61 48
Share Certificate - 60 Months (minimum $2,500)1.851.86 60
Share Certificate Special - 13 Months (minimum $10,000)1.101.11 13
Share Certificate Special - 18 Months (minimum $10,000)1.101.11 18

Jumbo Share Certificate -   6 Months (minimum $60,000)

0.850.85 6
Jumbo Share Certificate - 12 Months (minimum $60,000)1.101.11 12
Jumbo Share Certificate - 24 Months (minimum $60,000)1.251.26 24
Jumbo Share Certificate - 36 Months (minimum $60,000)1.601.61 36
Youth Certificate -   6 Months (minimum $1,000)0.800.80 6
Youth Certificate - 12 Months (minimum $1,000)1.201.20 12
Youth Certificate - 24 Months (minimum $1,000)1.20

1.20

 24

* Annual Percentage Yeild

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Tradesmen Community
Credit Union
PO Box 1496
Des Moines, Iowa  50305-1496
Phone: (515) 243-8735
Toll-free: (800) 828 - 8050
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