Rates Information Page for Newton Teachers Credit Union

Newton Teachers Credit Union

Share/Savings Accounts

Share Accounts

Regular

0.90 Div. Rate

0.90 APY *

$25 Minimum $99999 Maximum --This account has a variable rate

Share Certificate Accounts

6 months

1.55 Div. Rate

1.55 APY *

$1000 Minimum $99999 Maximum --A penality for early withdrawal will be applied

12 months

1.70 Div. Rate

1.70 APY *

$1000 Minimum $99999 Maximum --A penality for early withdrawal will be applied

Early withdrawal penalties : A penalty may be imposed for withdrawals before maturity.

Term of Certificate~~~~~~~~~~ Penalty:

Less than 12 Months~~~~~~3 Months Interest

12 to 23 Months~~~~~~~~6 Months Interest

24 Months and Over~~~~~9 Months Interest

Loan Accounts


Share-Secured Loans


Shares pledged to secure loan cannot be withdrawn.	3.10 APR	12 months
$500 Minimum $10000 Maximum Annual Percentage Rate est.mo. pymt /$1000-$84.75
Shares pledged to secure loan cannot be withdrawn.	3.10 APR	24 months
$500 Minimum $10000 Maximum Annual Percentage Rate est.mo. pymt /$1000-$43.00
Shares pledged to secure loan cannot be withdrawn.	3.10 APR	36 months
$500 Minimum $10000 Maximum Annual Percentage Rate est.mo. pymt /$1000-$29.15


Vehicle Loans


NEW AUTO	4.75 APR	24 months
$2500 Minimum $25000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $43.77
NEW AUTO	5.00 APR	36 months
$2500 Minimum $25000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $29.97
NEW AUTO	5.50 APR	48 months
$2500 Minimum $25000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $23.26
NEW AUTO	5.75 APR	60 months
$2500 Minimum $25000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $19.22
USED AUTO	6.00 APR	24 months
$2000 Minimum $20000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $44.31
USED AUTO	6.50 APR	36 months
$2000 Minimum $20000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $30.65
USED AUTO	6.75 APR	48 months
$2000 Minimum $20000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $23.85


Personal Loans


UNSECURED	10.95 APR	12 months
$500 Minimum $10000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $88.39
UNSECURED	11.95 APR	24 months
$500 Minimum $10000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $47.07
UNSECURED	12.95 APR	36 months
$500 Minimum $10000 Maximum Annual Percentage Rate est.mo. pymt /$1000- $36.69

Fees & Disclosures

Return Check Fee for any dishonored check of which the member is not also the maker of the check.	4.73
Return Check Fee for any dishonored check of which the member is the maker of the check.	7.00

Deposit Account Fees


Early Withdrawal Penalty on a Term Certificate with an original term of less than 12 months	3 months interest
Early Withdrawal Penalty on a Term Certificate with an original term of 12 to 23 months	6 months interest
Early Withdrawal Penalty on a Term Certificate with an original term of 24 months and over	9 months interest
A Minimum Balance Fee on Shares Accounts	2.00 per month