► CALCULATORS


LOAN RATES FEES and CHARGES

Effective as of: 1/15/2017 to 07/20/2017
LOAN RATES
Auto Rates
New Automobiles 2017 to current:
Term up to 60 months -rate 1.99% A.P.R.*
Term up to 72 months -rate 2.99% A.P.R.*
Used or Refinanced Automobiles 2009 to current:
Term up to 60 months -rate 3.49%*
*All Loans are subject to credit review and approval. Rates and offer are subject to change without notice. Rates are for all secured vehicles, new/used/free and clear/other institutions. Gold Star does not apply. Existing Tand I loans excluded. Effective 1/15/2017 to 07/20/2017.
Debt consolidation loans:
Amount: Up to $10,000.00
Term:
24 Months for 2.00% APR
36 Months for 3.00% APR
48 Months for 4.00% APR
*All Loans are subject to credit review and approval. Rates and offer are subject to change without notice. Gold Star does not apply. Existing Tand I loans excluded. Effective 1/15/2017 to 07/20/2017.
Home Improvement loans:
Amount: Up to $10,000.00
Term:
24 - 36 Months for 7.00% APR
48 Months for 8.00% APR
*All Loans are subject to credit review and approval. Rates and offer are subject to change without notice. Gold Star does not apply. Existing Tand I loans excluded. Effective 1/15/2017 to 07/20/2017.
Home Mortgage Rates:
Get a mortgage review at T and I Credit Union. Fixed rates as low as 3.55% APR* Traditional and 3.35% APR* Platinum. Contact T and I Credit Union for daily rates, specials on mortgage refinances, rates on a home equity line of credit at 248-588-6688.
*Based on term and amount. Restrictions Apply. Call 248-588-6688 for details. Rates are subject to change without notice. All mortgages are simple interest.
Home Equity Line of Credit:
Home Equity Line of Credit-Line up to $125,000.00 with a current rate of 3.75%* See a T
*The ANNUAL PERCENTAGE RATE will vary in accordance with an Index. The "Index" is the average "Prime Rate" or "Base Rate" on corporate loans at large U.S. Money Center Commercial Banks as quoted as the average in The Wall Street Journal, "money rates" column. The margin to be added to the Index is zero (0) percentage points. Currently, the ANNUAL PERCENTAGE RATE is 3.50% per year, which corresponds to a daily rate of .09589%. All Loans are subject to credit review and approval. Rates and offer are subject to change without notice. Gold Star does not apply.
Special offering:
3 Year CD special of 2.00% APR* with any loan**
* APR=Annual Percentage Rate. APR is based on interest being paid to the member's savings account at CD maturity. Minimum balance and deposit required $2,500, maximum balance $50,000. A penalty will be imposed for early withdrawal. See the Truth in Savings disclosure for early withdrawal penalties. Withdrawals and fees may reduce earnings. Rates accurate as of 2/9/2016. Loan consists of any secured or unsecured loan with a balance for a minimum of 2 years. If the loan is paid off within 2 years the CD will revert to the credit union's regular share rate currently at .25%.
**All Loans are subject to credit review and approval. Rates and offer are subject to change without notice. Effective 06/01/2016. Limited Time Offer.
Share Drafts (Checking) Rate APY**
$25 minimum balance required.0.00% 0.00%
Regular savings, Christmas, special and vacation accounts * .25% .25%
Paid on accounts where the balance did not go below $200 (excluding minor accounts). $25 minimum balance required to avoid $7 service fee.
Individual retirement accounts (IRAs) *.75% .76%
$100 required balance.
*Dividends will be calculated by the daily balance method which applies a daily periodic rate to the balance
**Annual Percentage Yield
Student Loans
Student Loans are now available at T & I Credit Union► Click Here For More Information
**Annual Percentage Yield Effective 06/01/2016







Address: 600 N Main St., Clawson, MI 48017    *    Routing Number: 272485547