rates

As a not-for-profit financial institution, our priority is getting you the best rate possible on all our loans and on your investments. Check out our current rates below.

member rates

As of March 18, 2025

Call any branch for more information on Certificates and IRAs.

Money Market Savings Account	Minimum Balance $1,000 - Minimum withdrawal $250. if balance is; $2,500 - $49,999.99 @ 1.00% APY on entire account. if balance is; $50,000 - $99,999.99 @ 1.50% APY on entire account. if balance is; $100,000 & above @ 1.75% APY on entire account.
IRA Accounts	No Minimum Balance $100 & over, paying 0.30% dividend @ 0.30% APY
IRA Share Certificates	Minimum Deposit $500 6 month certificate: 2.50% dividend @ 2.50% APY 12 month certificate: 3.10% dividend @ 3.10% APY 24 month certificate: 3.25% dividend @ 3.25% APY 36 month certificate: 3.50% dividend @ 3.50% APY† 48 month certificate: 3.75% dividend @ 3.75% APY† 60 month certificate: 4.00% dividend @ 4.00% APY† † During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Certificates	Minimum Deposit $500 6 month certificate: 2.50% dividend @ 2.50% APY 12 month certificate: 3.10% dividend @ 3.10% APY 24 month certificate: 3.25% dividend @ 3.25% APY 36 month certificate: 3.50% dividend @ 3.50% APY† 48 month certificate: 3.75% dividend @ 3.75% APY† 60 month certificate: 4.00% dividend @ 4.00% APY† † During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Basic Share Account	Minimum $10 Balance $100 & over: 0.15% dividend @ 0.15% APY

*Rates subject to change. Minimum balance required. Call Telco Triad for details.

loan rates

As of March 18, 2025

Call your local branch to speak with our loan officers for details.

Auto Loans	as low as 4.89% APR*
RV Loans	as low as 6.25% APR*
Boat Loans	as low as 5.39% APR*
ATV/Jet Ski Loans	as low as 9.45% APR*
First Mortgage Loan	as low as 6.00% APR* for a 15 year term We also have rates for 20 and 25 year terms. Contact a Telco Triad Loan Officer today for details.
Second Mortgage Loan	as low as 5.70% APR*

*Rates subject to change. Not everyone will qualify for the lowest rate. Reward-based lending applies. To receive this rate automatic payments must be set up. Any model year for Auto, RV, or Boat Loans with automatic payment set up.