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Mortgages

Effective Date: December 7, 2018

We offer 90% financing up to $1M with PMI and 80% financing from $1M - $3M.
Loans are NOT locked in at application. A completed application is required prior to locking in. Rate Lock-ins cannot be accepted by fax.
Rate Lock-ins are only available Monday thru Friday, 10am to 4pm. Your lock-in rate may be different from the rate posted here.

Fixed Rate Mortgage** Rate APR* Payment/ $1,000
10 Year (up to 97% financing) Rate:3.875% APR*:4.03% Payment/ $1,000$10.07 Apply
15 Year (up to 97% financing) Rate:4.00% APR*:4.11% Payment/ $1,000$7.40 Apply
20 Year (up to 97% financing) Rate:4.375% APR*:4.46% Payment/ $1,000$6.26 Apply
30 Year (up to 97% financing) Rate:4.625% APR*:4.69% Payment/ $1,000$5.14 Apply
Adjustable** Rate APR* Payment/ $1,000
5/1 Adjustable Rate:3.50% APR*:4.89% Payment/ $1,000$4.49 Apply
7/1 Adjustable Rate:3.75% APR*:4.78% Payment/ $1,000$4.63 Apply
10/1 Adjustable Rate:4.00% APR*:4.67% Payment/ $1,000$4.77 Apply
Jumbo Mortgage Rate APR* Payment/ $1,000
15 Year Fixed** Rate:4.25% APR*:4.29% Payment/ $1,000$7.52 Apply
20 Year Fixed** Rate:4.625% APR*:4.66% Payment/ $1,000$6.39 Apply
30 Year Fixed** Rate:4.875% APR*:4.90% Payment/ $1,000$5.29 Apply
5/1 Year Adjustable Rate:3.625% APR*:4.90% Payment/ $1,000$4.56 Apply
7/1 Year Adjustable Rate:3.875% APR*:4.80% Payment/ $1,000$4.70 Apply
10/1 Year Adjustable Rate:4.125% APR*:4.70% Payment/ $1,000$4.85 Apply
HomeReady Mortgage** Rate APR* Payment/ $1,000
30 Year Fixed Rate:4.875% APR*:4.94% Payment/ $1,000$5.29 Apply
No Closing Cost Mortgage Rate APR* Payment/ $1,000
20 Year Fixed Rate:4.875% APR*:4.90% Payment/ $1,000$6.53 Apply
30 Year Fixed Rate:5.125% APR*:5.15% Payment/ $1,000$5.44 Apply

* APR: Annual Percentage Rate

** APR based on $165,000 Conventional loan assuming the highest credit rating. Your actual rate may vary depending on your specific terms. The maximum loan amount for a conforming mortgage for a primary residence single unit home is $453,100. Mortgages above that amount are considered jumbo mortgages. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed.

The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require private mortgage insurance. Rates and points can be locked in only after your completed loan application is received.

FPO

Home Equity Loans

Effective Date: December 1, 2018

Line of Credit Rate APR* Term (Months)
Adjustable Rate

$500,000 max (up to 80% of home value)

  • Lines up to $100,000 min. advance $10,000 and maintain a $5000 balance for 36 months
  • Lines $100,001 - $250,000 min. advance $60,000 and maintain a $50,000 balance for 36 months
  •  Lines $250,001 - $500,000 min. advance $150,000 and maintain a $100,000 balance for 36 months

Repayment: Monthly payment of principal and interest
During the 15 year draw period.
Adjusts quarterly

Rate:2.99% APR*:2.99% Term (Months)180 Apply
Interest Only Line of Credit Rate APR* Term (Months)
Adjustable Rate

$500,000 max (up to 80% of home value)

  • Lines up to $100,000 min. advance $10,000 and maintain a $5000 balance for 36 months
  • Lines $100,001 - $250,000 min. advance $60,000 and maintain a $50,000 balance for 36 months
  •  Lines $250,001 - $500,000 min. advance $150,000 and maintain a $100,000 balance for 36 months

Repayment: Monthly payment of interest

During the 10 year draw period.
Adjusts quarterly

Rate:2.99% APR*:2.99% Term (Months)180 Apply
Mini Home Equity Loan Rate APR* Term (Months)
Adjustable Rate

No closing costs.
Adjusts annually on March 1
$10,000 - $500,000 (up to 80% of home value)

Rate:4.00% APR*:5.388% Term (Months)Up to 240 Apply
Fixed Rate 60 - 120 Months

No closing costs
$10,000 - $500,000 (up to 80% of home value)

Rate:4.49% APR*:4.49% Term (Months)60 - 120 Apply
Fixed Rate 121 - 180 Months

Minimum loan $20,000

Rate:5.24% APR*:5.24% Term (Months)121 - 180 Apply
Fixed Rate 181 - 240 Months

Minimum loan $30,000

Rate:5.49% APR*:5.49% Term (Months)181 - 240 Apply
Fixed Rate First Lien Position 60 - 120 Months
Rate:4.25% APR*:4.25% Term (Months)60 - 120 Apply
Fixed Rate First Lien Position 121 - 180 Months
Rate:4.99% APR*:4.99% Term (Months)121 - 180 Apply
Fixed Rate First Lien Position 181 - 240 Months
Rate:5.25% APR*:5.25% Term (Months)181 - 240 Apply

* APR: Annual Percentage Rate

All rates and terms are subject to change without notice. Rates will be based on credit history. Rate shown is the lowest available.

Applicants not approved at these rates or terms may be offered credit at a higher rate or term.

Loan to value restrictions may apply.

All offers of credit are subject to credit approval.

FPO

Consumer Loans

Effective Date: November 1, 2018

Holiday Loan Term (Months) APR* Payment/ $1,000
Fixed Rate

(Available October 1st - December 31st)
Minimum loan: $250
Maximum loan: $3,000

Term (Months):Up to 24 APR*:5.00% Payment/ $1,000$43.88 Apply
Vacation Loan Term (Months) APR* Payment/ $1,000
Fixed Rate

(Available June 1st - August 31st)

Minimum loan: $250
Maximum loan: $3,000

Term (Months):Up to 24 APR*:5.00% Payment/ $1,000$43.88 Apply
Energy Assistance Loan Term (Months) APR* Payment/ $1,000
Fixed Rate - 12 Months

(Available October 1st - March 31st)

Minimum Loan Amount $250

Term (Months):Up to 12 APR*:5.00% Payment/ $1,000$85.61 Apply
Fixed Rate 18 Months

(Available October 1st - March 31st)

Minimum Loan Amount: $1,500
Maximum Loan Amount: $3,000

Term (Months):Up to 18 APR*:5.00% Payment/ $1,000$57.78 Apply
Unsecured Personal Loan Term (Months) APR* Payment/ $1,000
Fixed Rate
Term (Months):Up to 60 APR*:10.45% Payment/ $1,000$21.46 Apply
Teacher's Advantage Line of CreditEducated Discount Loans Term (Months) APR* Payment/ $1,000
Variable Rate

Educated Choice Rates shown assume maximum discount for Educated Choice. Add .50% without maximum Educated Choice. For Visa credit cards, add .48% without maximum Educated Choice discount. Discount can be applied to existing credit cards, discount cannot be applied to existing consumer loans. Loan rates without automatic payment will be .50% higher than those displayed.

Term (Months):Open End APR*:9.25% Payment/ $1,000$20.00 Apply
Alternative Student Loan Term (Months) APR* Payment/ $1,000
Fixed Rate

Maximum Loan Amount Undergraduate: $25,000
Maximum Loan Amount Graduate: $40,000

Rates are available for loans with Preauthorized Debit from TFCU Savings or Checking Account excluding Home Equity and Credit Cards. Loan rates without automatic payments will be .50% higher than those displayed.

Term (Months):Up to 180 APR*:7.50% Payment/ $1,000$9.28** Apply
Career Education Loan Term (Months) APR* Payment/ $1,000
Fixed Rate

Minimum Loan Amount: $1,000
Maximum Loan Amount: $10,000

Rates are available for loans with Preauthorized Debit from TFCU Savings or Checking Account excluding Home Equity and Credit Cards. Loan rates without automatic payments will be .50% higher than those displayed.

Term (Months):Up to 120 APR*:9.00% Payment/ $1,000$12.68** Apply

All rates and terms are subject to change without notice.

* APR: Annual Percentage Rate

** Minimum monthly payment = $20.00

For Unsecured, and Fixed & Variable Auto/Boat/RV Loans or Alternative Student Loans, rate will be based on credit history. Rate shown is the lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.

Educated Discount Loans Educated Choice Rates shown assume maximum discount for Educated Choice. Add .50% without maximum Educated Choice. For Visa credit cards, add .48% without maximum Educated Choice discount. Discount can be applied to existing credit cards, discount cannot be applied to existing consumer loans.

FPO

Auto/Truck/RV Loans

Effective Date: November 1, 2018

Auto and Trucks - New*** Term (Months) APR* Payment/ $1,000
12 to 60 Months

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:2.65% Payment/ $1,000$17.82 Apply
Minimum 61 Months

Minimum loan amount $10,000 (61-72 months terms)

Term (Months):61 - 72 APR*:2.95% Payment/ $1,000$15.18 Apply
Minimum 73 Months

Minimum loan amount $20,000

Term (Months):73 - 84 APR*:3.99% Payment/ $1,000$13.67 Apply
Minimum 85 Months

Minimum loan amount $30,000

Term (Months):85 - 96 APR*:4.25% Payment/ $1,000$12.31 Apply
Autos and Trucks - Used**** Term (Months) APR* Payment/ $1,000
Vehicle Age 4 Years Including Current Model Year

Minimum loan amount $5,000 (12 - 60 month terms)

Minimum loan amount $10,000 (61 - 72 month terms)

Term (Months):12 to 72 APR*:2.99% Payment/ $1,000$15.19 Apply
Vehicle Age 4 Years Including Current Model Year

Minimum loan amount $10,000 (61 - 84 month terms)

Term (Months):73 - 84 APR*:4.25% Payment/ $1,000$13.79 Apply
Vehicle Age 5 to 7 Years Including Current Model Year

Minimum loan amount $10,000 (61 - 72 month terms)

Term (Months):12 to 72 APR*:4.25% Payment/ $1,000$15.77 Apply
New RVs - Fixed Rate Term (Months) APR* Payment/ $1,000
12 to 60 Months

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:4.24% Payment/ $1,000$18.53 Apply
Minimum 61 Months

Minimum loan amount $10,000

Term (Months):61 - 72 APR*:4.24% Payment/ $1,000$15.76 Apply
Minimum 73 Months

Minimum loan amount $20,000

Term (Months):73 - 84 APR*:4.49% Payment/ $1,000$13.90 Apply
Minimum 85 Months

Minimum loan amount $30,000

Term (Months):85 - 96 APR*:5.99% Payment/ $1,000$13.14 Apply
Minimum 97 Months

Minimum loan amount $35,000

Term (Months):97 - 144 APR*:6.25% Payment/ $1,000$9.90 Apply
Used RVs - Fixed Rate Term (Months) APR* Payment/ $1,000
Vehicle Age 3 Years Including Current Year Model

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:4.24% Payment/ $1,000$18.53 Apply
Vehicle Age 5 Years Including Current Year Model

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:4.74% Payment/ $1,000$18.76 Apply
Vehicle Age 3 Years Including Current Year Model

Minimum loan amount $10,000

Term (Months):61 - 72 APR*:4.24% Payment/ $1,000$18.53 Apply
Vehicle Age 3 Years Including Current Year Model

 Minimum loan amount $20,000

Term (Months):73 - 84 APR*:5.19% Payment/ $1,000$14.23 Apply
New Motorcycles Term (Months) APR* Payment/ $1,000
12 to 60 Months

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:2.45% Payment/ $1,000$17.73 Apply
Used Motorcycles Term (Months) APR* Payment/ $1,000
12 to 60 Months

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:4.34% Payment/ $1,000$18.57 Apply

Rates as low as 2.65% for a New Auto and 2.99% for a Used Auto

Rates displayed are for NY residents only. Out of state residents, please contact (631) 698-7000 Ext. 6790 for rate information.

* APR = annual percentage rate.

All rates and terms are subject to change without notice.

For Unsecured, and Fixed & Variable Auto/Boat/RV Loans or Alternative Student Loan, rate will be based on credit history.

Rate shown is the lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.

*** For New Auto loans $100,001 up to and including $200,000 add .50 % to the above rates
For New Auto loans $200,001 up to and including $300,000 add .75% to the above rates
For New Auto loans greater than $300,000 add 1.00% to the above rates

**** For Used Auto loans $100,001 up to and including $200,000 add .50 % to the above rates
For Used Auto loans $200,001 up to and including $300,000 add .75% to the above rates
For Used Auto loans greater than $300,000 add 1.00% to the above rates

New Car

Boat Loans

Effective Date: November 1, 2018

New Boats - Fixed Rate Term (Months) APR* Payment/ $1,000
12 to 60 Months

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:4.24% Payment/ $1,000$18.53 Apply
Minimum 61 Months

Minimum loan amount $10,000

Term (Months):61 - 72 APR*:4.24% Payment/ $1,000$15.76 Apply
Minimum 73 Months

Minimum loan amount $20,000

Term (Months):73 - 84 APR*:4.79% Payment/ $1,000$14.04 Apply
Minimum 85 Months

Minimum loan amount $30,000

Term (Months):85 - 96 APR*:5.75% Payment/ $1,000$13.02 Apply
Minimum 97 Months

Minimum loan amount $35,000

Term (Months):97 - 144 APR*:5.75% Payment/ $1,000$9.64 Apply
Minimum 145 Months

Minimum loan amount $40,000

Term (Months):145 - 180 APR*:6.50% Payment/ $1,000$8.72 Apply
Minimum 181 Months

Minimum loan amount $50,000

Term (Months):181 - 240 APR*:6.75% Payment/ $1,000$7.61 Apply
Used Boats - Fixed Rate Term (Months) APR* Payment/ $1,000
12 to 60 Months

Minimum loan amount $5,000

Term (Months):12 to 60 APR*:4.24% Payment/ $1,000$18.53 Apply
Minimum 61 Months

Minimum loan amount $10,000

Term (Months):61 - 72 APR*:4.24% Payment/ $1,000$15.76 Apply
Minimum 73 Months

Minimum loan amount $20,000

Term (Months):73 - 84 APR*:5.19% Payment/ $1,000$14.23 Apply
Minimum 85 Months

Minimum loan amount $30,000

Term (Months):85 - 96 APR*:5.99% Payment/ $1,000$13.14 Apply
Minimum 97 Months

Minimum loan amount $35,000

Term (Months):97 - 144 APR*:5.99% Payment/ $1,000$9.76 Apply
Minimum 145 Months

 Minimum loan amount $40,000

Term (Months):145 - 180 APR*:6.50% Payment/ $1,000$8.72 Apply
Minimum 181 Months

Minimum loan amount $50,000

Term (Months):181 - 240 APR*:6.99% Payment/ $1,000$7.75 Apply

* APR = annual percentage rate.

All rates and terms are subject to change without notice.

For Unsecured, and Fixed & Variable Auto/Boat/RV Loans; alternative student loan rate will be based on credit history. Rate shown is the lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.

FPO

Lease-Like Auto Loans

Effective Date: November 1, 2018

New & Used Term (Months) New APR* Used APR*
Minimum 24 Months

Maximum three (3) model years old including current model year

Balloon Payment amount must be equal to 90% of residual value per ALG guide, and loan request must exceed ALG residual value amount.

Term (Months):24, 36, 48 New APR*:2.45% Used APR*3.79%*
Minimum 24 Months

Maximum two (2) model years old including current model year.

Balloon Payment amount must be equal to 90% of residual value per ALG guide, and loan request must exceed ALG residual value amount.

Term (Months):24, 36, 48, 60 New APR*:2.45% Used APR*3.79%**

Rates displayed are for NY residents only. Out of state residents, please contact (631) 698-7000 Ext. 6790 for rate information.

* APR = annual percentage rate.

All rates and terms are subject to change without notice.

For Unsecured, and Fixed & Variable Auto/Boat/RV Loans; alternative student loan rate will be based on credit history. Rate shown is the lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.

FPO

Credit Cards

Effective Date: November 1, 2018

Visa Credit CardsEducated Discount Loans APR*
Platinum APR*:9.48% Apply
"Cash Back" APR*:12.36% Apply
"No Frills" APR*:9.36% Apply
Student "No Frills" APR*:9.36% Apply
Secured APR*:6.72% Apply

TERMS: Rates shown assume maximum Educated Choice discount.

- No annual fee
- Low Rates
- 25 day grace period on purchases
- Easy monthly payments

All rates and terms are subject to change without notice.

*APR: Annual Percentage Rate

Educated Discount Loans Educated Choice Rates shown assume maximum discount for Educated Choice. Add .50% without maximum Educated Choice. For Visa credit cards, add .48% without maximum Educated Choice discount. Discount can be applied to existing credit cards, discount cannot be applied to existing consumer loans.

Cradit Card Balance Transfer

Deposits

Effective Date: November 1, 2018

Savings Accounts Minimum Balance Minimum Balance to Earn Interest Rate APY*
Savings Minimum Balance:$1 Minimum Balance to Earn Interest:$50 Rate0.10% APY*0.10%
Individual Retirement Account** Minimum Balance:$0 Minimum Balance to Earn Interest:$50 Rate0.10% APY*0.10%
Vacation & Holiday Club Minimum Balance:$0 Minimum Balance to Earn Interest:$50 Rate0.10% APY*0.10%
Checking Minimum Balance:$0 Minimum Balance to Earn Interest:$2,500 Rate0.05% APY*0.05%

All rates and terms are subject to change without notice.
* APY: Annual Percentage Yield
** A penalty may be imposed for early withdrawals.

Money Market

Effective Date: December 1, 2018

Tiered Money Market Balance Rate APY*
Minimum $2,500 Balance:$2,500 - $24,999 Rate:0.45% APY*0.45%
Minimum $25,000 Balance:$25,000 - $49,999 Rate:0.65% APY*0.65%
Minimum $50,000 Balance:$50,000 - $99,999 Rate:1.04% APY*1.05%
Minimum $100,000 Balance:$100,000 - $249,000 Rate:1.54% APY*1.55%
Minimum $250,000 Balance:$250,000 - $499,999 Rate:1.64% APY*1.65%
Minimum $500,000 Balance:$500,000+ Rate:1.74% APY*1.75%

All rates and terms are subject to change without notice.
* APY: Annual Percentage Yield

Money Market Inner Banner

Certificates

Effective Date: December 5, 2018

Jumbo Certificates** Minimum Balance Rate APY*
1 Month Minimum Balance:$100,000 Rate:0.30% APY*0.30%
2 Month Minimum Balance:$100,000 Rate:0.30% APY*0.30%
3 Month Minimum Balance:$100,000 Rate:0.40% APY*0.40%
6 Month Minimum Balance:$100,000 Rate:1.09% APY*1.10%
12 Month Minimum Balance:$100,000 Rate:2.19% APY*2.20%

All rates and terms are subject to change without notice.
* APY: Annual Percentage Yield
** A penalty may be imposed for early withdrawals.

Certificates** Minimum Balance Rate APY*
3 Month Minimum Balance:$1,000 Rate:0.40% APY*0.40%
6 Month Minimum Balance:$1,000 Rate:1.09% APY*1.10%
12 Month Minimum Balance:$1,000 Rate:2.19% APY*2.20%
15 Month Minimum Balance:$1,000 Rate:2.47% APY*2.50%
18 Month Minimum Balance:$1,000 Rate:2.27% APY*2.30%
24 Month Minimum Balance:$1,000 Rate:2.52% APY*2.55%
30 Month Minimum Balance:$1,000 Rate:2.96% APY*3.00%
36 Month Minimum Balance:$1,000 Rate:2.57% APY*2.60%
48 Month Minimum Balance:$1,000 Rate:2.66% APY*2.70%
60 Month Minimum Balance:$1,000 Rate:2.76% APY*2.80%

All rates and terms are subject to change without notice.
* APY: Annual Percentage Yield
** A penalty may be imposed for early withdrawals.

Traditional & Roth Individual Retirement Accounts (IRA)** Minimum Balance Rate APY*
3 Month Minimum Balance:$1,000 Rate:0.40% APY*0.40%
6 Month Minimum Balance:$1,000 Rate:1.09% APY*1.10%
12 Month Minimum Balance:$1,000 Rate:2.19% APY*2.20%
15 Month Minimum Balance:$1,000 Rate:2.47% APY*2.50%
18 Month Minimum Balance:$1,000 Rate:2.27% APY*2.30%
24 Month Minimum Balance:$1,000 Rate:2.52% APY*2.55%
30 Month Minimum Balance:$1,000 Rate:2.96% APY*3.00%
36 Month Minimum Balance:$1,000 Rate:2.57% APY*2.60%
48 Month Minimum Balance:$1,000 Rate:2.66% APY*2.70%
60 Month Minimum Balance:$1,000 Rate:2.76% APY*2.80%

All rates and terms are subject to change without notice.
* APY: Annual Percentage Yield
** A penalty may be imposed for early withdrawals.

Coverdell Education Savings Accounts** Minimum Balance Rate APY*
3 Month Minimum Balance:$500 Rate:0.40% APY*0.40%
6 Month Minimum Balance:$500 Rate:1.09% APY*1.10%
12 Month Minimum Balance:$500 Rate:2.19% APY*2.20%
15 Month Minimum Balance:$500 Rate:2.47% APY*2.50%
18 Month Minimum Balance:$500 Rate:2.27% APY*2.30%
24 Month Minimum Balance:$500 Rate:2.52% APY*2.55%
30 Month Minimum Balance:$500 Rate:2.96% APY*3.00%
36 Month Minimum Balance:$500 Rate:2.57% APY*2.60%
48 Month Minimum Balance:$500 Rate:2.66% APY*2.70%
60 Month Minimum Balance:$500 Rate:2.76% APY*2.80%

All rates and terms are subject to change without notice.
* APY: Annual Percentage Yield
** A penalty may be imposed for early withdrawals.

Certificate Account Specials
Share Branch NCUA Equal Housing Lender