HARLINGEN AREA TEACHERS' CREDIT UNION
4321 W. Expressway 83, Harlingen,
2910 E. Grimes, Harlingen or 345 N. Williams Rd. San Benito
PH. (956) 423-5792 (BOTH LOCATIONS) HARLINGEN FAX (956) 423-3105
SAN BENITO FAX (956) 361-1652

 Effective September 1, 2008

Savings Accounts

.75% APR

.75% APY

Club Accounts

.75% APR

 .75% APY

$100.00 Minimum Average Daily Balance Required to Earn Interest.
Interest Bearing Checking

 .50% APR

 .50% APY

$100.00 Minimum Average Daily Balance Required To Earn Interest. An early withdrawal penalty will apply if terms of certificate are changed before the maturity date. Please call for details.
180 Day Certificate of Deposit

 2.25% APR

 2.27% APY

1 Year Certificate of Deposit

2.50% APR

 2.53% APY

2 Year Certificate of Deposit

2.75% APR

2.79% APY

3 Year Certificate of Deposit

3.00% APR

3.04% APY

4 Year Certificate of Deposit

3.00% APR

3.04% APY

$100.00 Minimum Average Daily Balance Required to Earn Interest . An early withdrawal penalty may apply for withdrawals before age 59-1/2. Please call for details.
1 Year IRA Certificate of Deposit

2.50% APR

 2.53% APY

2 Year IRA Certificate of Deposit

2.75% APR

 2.79% APY

3 Year IRA Certificate of Deposit

3.00% APR

3.04% APY

4 Year IRA Certificate of Deposit

3.00% APR

3.04% APY

  APR - Annual Percentage Rate

APY - Annual Percentage Yield

 

***ALL CERTIFICATE AND IRA CERTIFICATE RATES
SUBJECT TO CHANGE DAILY***

Drive in Style!
Receive 1.00% Off Current Interest Rate on Vehicle Loans
Rates as LOW as 3.99%
APR*
Promotion Extended until 10/31/08

Backpack your way to a new adventure 
With a Signature Loan 
You will be a
utomatically entered to win a Laptop - 1 entry per closed loan.
Rates as LOW as 7.49% APR*
7/1/08 thru 9/30/08

Stomp off a Quarter!
Receive .25% off Current Interest Rate when you Apply ONLINE!
APR - Annual Percentage Rate
Rates Subject to Change Daily - Please call Credit Union (956) 423-5792 for current rates.
*Special Terms and Conditions May Apply. Promotions Subject to Stop at Any Time.

 

LOAN RATES
Loan Type Percent Down Term Rate
New Auto 0% Up To 60 Months 4.99% - 17.99%
New Auto $20,000 and Up 10% 72 Months 4.99% - 17.99%
Loan Type NADA Value Term Rate
Used Auto Trade-In Up To 60 Months 4.99% - 17.99%
Used Auto $20,000 and Up Trade-In 72 Months 4.99% - 17.99%
Loan Type Percent Down Term Rate
Vehicle Refinance (Up to 4 years old) Based on NADA Remaining Term 4.99% - 17.99% APR
New Boat 10%   6.49% - 17.99% APR
Used Boat 10% OF APPRAISAL   6.49% - 17.99 APR
Rec. Veh. 10%   6.49% - 17.99% APR
Mastercard N/A 30 Day Grace/No Annual Fee 5.90% - 18.00% APR
Mastercard Gold N/A 30 Day Grace/No Annual Fee 5.90% - 18.00% APR
CD Secured  


Not to Exceed CD Term;  May Borrow up to 90% of Certicate Amount

3.00% over CD RATE
Shared Secured  

                                 N/A                                          
May Borrow up to $900

5.50% APR
Signature N/A   7.99% - 17.99%
APR-Annual Percentage Rate   

ASK HOW YOU CAN RECEIVE .25% OFF ANY REGULAR LOAN RATE
(DOES NOT INCLUDE PROMOTIONAL RATES)



 




NCUA - Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency


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