Check Out Our Competitive Rates
The rates appearing here are accurate as of the effective date: July 19, 2018. If you have any questions or wish to request specifics on rates, terms and additional information, please call the Credit Union at (704) 391-5600 or 1-800-622-5305. Rates are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual credit worthiness criteria. If you have a loan with us, you will receive specific agreements and disclosures at the time of application and/or closing of the loan that are applicable to your specific loan.
New and Used Auto Loans
Extended Age or Extended Mileage Used Autos
Visa Platinum Cash Back Credit Card
Visa Credit Card Disclosure - This disclosure provides specific details regarding the Visa Platinum Credit Card, including rates, fees, and terms. You will receive a disclosure with rates and terms specific to your account at the time your Credit Card is opened: Credit Card Application and Solicitation Disclosure.
Motorsport Vehicles and Others
***** The rates appearing here are accurate as of the effective date: July 19, 2018. All services (such as loans, credit cards, and checking accounts) are subject to approval. Home Equity Line of Credit (HELOC) rates are subject to change without notice. Please stop by your local branch, call 800-622-5305, or visit our website for current rates. Your interest rate will range from Prime [5.00% APR] to Prime [5.00% APR] plus 2.50% APR, based on your approved credit, and loan-to-value of the home. Your rate will be determined on the date of approval. The annual percentage rate can change quarterly on the first day of January, April, July, and October of each year. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00% APR. There is no limit to the amount by which the annual percentage rate can change during any one-year period. Not all borrowers will qualify for up to 90% of the home’s appraised value. HELOC’s are only available on homes classified as primary residences in North Carolina or South Carolina. Applicant is responsible for any upfront costs or funds required to open the loan, which may not be offset with any expected rebates or credits. Appraisal fee refund is given after the rescission period has ended, the deed is recorded, and all final documentation is received. Minimum line of credit is $10,000. Minimum initial advance must take place immediately after the rescission period and be at least $5,000. Line advances are available for up to 10 years. Your payment will be based on the balance after each advance and is subject to change each time an advance is made or annually on the first day of July. Your payment may never be less than $100 or the full amount you owe, whichever is smaller. Only members in good standing with CTFCU are eligible to apply or make advances on an active HELOC. Consult your tax advisor regarding the deductibility of interest and charges for the plan.
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