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

Last Updated: July 29, 2013      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 2013-2012 2.45% 2.45% 72
Used 2011 2.95% 2.95% 66
Used 2010-2009 2.95% 2.95% 60
Used 2008 2.95% 2.95% 54
Used 2007-2004 3.95% 3.95% 54
Used 2003 & Older 3.95% 3.95% 36
Untitled/Recreational Vehicle Loans
(Motor Homes/Campers/Boats)
Rate
As Low As
APR* Max Term
Months
New 2013-2012 5.50% 5.50% 84
Used 2011-2008 6.50% 6.50% 84
Used 2007 & Older 6.50% 6.50% 24-60
Snowmobiles/Watercraft/ATV's Rate
As Low As
APR* Max Term
Months
2013-2012 4.45% 4.45% 60
2011-2008 5.55% 5.55% 48
2007 & Older 5.55% 5.55% 36
Tractor Loans Rate
As Low As
APR* Max Term
Months
2013-2002 (up to $19,999) 5.75% 5.75% 60
2013-2002 (Over $20,000) 6.75% 6.75% 120
2001 & Older Call For Rates Call For Rates TBD
Other Loans and Credit Cards Rate
As Low As
APR* Max Term
Months
Winter 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*  
5 Year Balloon (30 Year Amortization) 4.35% 4.35% n/a
7 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) 0.10% 0.10%
Christmas Club 0.10% 0.10%
Vacation Club 0.10% 0.10%
Special Deposit Account ($2,000-$19,999) 0.10% 0.10%
Special Deposit Account ($20,000-$49,999) 0.15% 0.15%
Special Deposit Account ($50,000 and more) 0.20% 0.20%
Individual Retirement Account (IRA) 0.40% 0.40%

*APY=Annual Percentage Yield
Rates may change after the account is opened.
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