Rates & Fees

Loan Rates

Loan Rates

Rates are effective as of May 1, 2017. Rates are subject to change without notice.

Loan Type APR* Term Max Term Payment Example
Secured Loans
2011 or newer
Vehicle/Recreational Vehicle
as low as 2.75% 48 months $22.02 per $1,000 borrowed
2011 or newer
Vehicle/Recreational Vehicle
as low as 3.25% 72 months $15.31 per $1,000 borrowed
2011 or newer
Recreational Vehicle**
as low as 4.25% 96 months $12.31 per $1,000 borrowed
2011 or newer
Recreational Vehicle**
as low as 5.25% 120 months $10.73 per $1,000 borrowed
2010 or older
Vehicle/Recreational Vehicle
as low as 3.75% 48 months $22.47 per $1,000 borrowed
2010 or older
Vehicle/Recreational Vehicle
as low as 4.25% 60 months $18.53 per $1,000 borrowed
2010 or older
Recreational Vehicle**
as low as 4.25% 72 months $15.76 per $1,000 borrowed
2010 or older
Recreational Vehicle**
as low as 5.25% 96 months $12.78 per $1,000 borrowed
2010 or older
Recreational Vehicle**
as low as 6.25% 120 months $11.23 per $1,000 borrowed
*Annual Percentage Rate
**$25,000 minimum
Unsecured Loans APR* Limit Max Term Payment Example
Personal Loan as low as 10.00% up to $5,000 $20.01 per $1,000 borrowed
Preferred Personal Loan as low as 9.00% up to $10,000 $16.09 per $1,000 borrowed
Personal Line of Credit as low as 10.00% up to $5,000 open-end, no maximum term
Overdraft Line of Credit as low as 18.00% up to $500 open-end, no maximum term
Home Equity Line of Credit APR* Limit
Home Equity Line of Credit

5.50% variable rate
*rates subject to change semi-annually
*max 18.00% APR
up to $150,000

* Loan-to-Value 80%
* Low variable rates adjusts quarterly, based on Prime Rate + Margin
* Line of credit advances up to 10 years
* Repayment terms up to 20 years
* Average closing costs $500:
closing costs vary by county and
range from $100 - $1,200
* Interest paid may be tax
deductible, please consult your tax advisor

Deposit Rates

Deposit Rates

Rates are effective as of June 30, 2016 . Rates are subject to change without notice.

AccountDividend Rate APY* Minimum Balance
Share Savings 0.050% 0.050% $10
WINcentive Savings 0.050% 0.050% $5
Future Teamster Share Savings 0.050% 0.050% $10
Holiday Club 0.150% 0.150% $5
Vacation Club 0.150% 0.150% $5
Education Club 0.150% 0.150% $5
Money Market 0.100% 0.100% $2,500
Checking (Share Draft) 0.050% 0.050% N/A
Certificates of Deposit
6 month Certificate 0.100% 0.100%
$2,500
12 month Certificate 0.150% 0.150%
$2,500

*Annual Percentage Yield

Fee Schedule

Fee Schedule

Effective as of June 30, 2016

Share Account
New Membership Fee $10.00
Below $10.00 Minimum Balance Fee $3.00
Address Correction Fee (when mail is forwarded by US Postmaster) $3.00
Incorrect Address Fee (when mail is returned & member is unlocatable) $10.00 to $50.00
Dormant Account Fee $10.00 per month
Paper Statement Fee $3.00 per statement
Statement Copy Fee $5.00 per statement
Third Party Check Withdrawal Fee $5.00 per check
Stop Payment Fee $30.00 per check
Account Research Fee $25.00 per hour
($5.00 minimum)
Checking Account
Checking Application Fee $10.00
Check Printing Fee Price varies depending on style
Per Item Service Fee $0.20 per check
first 30 checks no charge
Debit Card Replacement Fee $10.00 per card
Overdraft Transfer Fee $6.00 per transfer
NSF Paid Fee $30.00 per item
NSF Return Fee $30.00 per item
Overdrawn Account Fee $5.00 per day after 3 days
Stop Payment Fee $30.00 per check
Account Research Fee $25.00 per hour
($5 minimum)
Loan Services
Loan Processing Fee $30.00 per advance
Overdraft Protection Fee $30.00 to establish Overdraft Line of Credit
Late Payment Fee on Closed-End Loans & HELOC $30.00 after 10 day grace period
Late Payment Fee on Open-End Lines of Credit 5.00% of payment after 10 day grace period
Skip-a-Pay Fee $35.00
Other
Large Cash Withdrawal Fee (over $2,500 - up to $10,000) $15.00
Online Banking No Fee
EZStatements No Fee
Certified Check No Fee
Notary Service No Fee

Contact Us

Phone: (763) 267-6300
Fax: (763) 267-6306
Email: info@mnteamsterscu.com

Office Hours

Monday - Thursday 8 AM - 4 PM
Friday 8 AM - 2 PM

Copyright © 2016 Teamsters Credit Union. All rights reserved.

Teamsters Credit Union, MN

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