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.

our starting rates

(as of March 17, 2020)


Credit Card Rates
Gold MasterCard:            9.9% APR*

Premium MasterCard:  11.9% APR*

Premium VISA:                11.9% APR*

Loan Rates

Auto Loans:                                   3.75% APR* 

FHA Home Improvement Loan: 5% APR*

Mortgage Loan:                             5.375% APR*  *Rate subject to term and risk-based lending principles.

Home Equity Loan:                       4.39%*  *6 year term, including balloon
Call your local branch to speak with our loan experts for all details.

Member Rates

Regular Share and IRA Share Certificate Accounts


         TERM                                      Anticipated Rates                                       Anticipated Rates

Share Certificate                      ($1,000.00 to $49,999.99)                            ($50,000.00 and above)


           6 Month                                      1.00% A.P.R.                                                1.10% A.P.R.

         12 Month                                      1.25% A.P.R.                                                1.35% A.P.R.

         24 Month                                      1.30% A.P.R.                                                1.40% A.P.R.

         36 Month*                                    1.35% A.P.R.                                                1.45% A.P.R.

         48 Month*                                    1.45% A.P.R.                                                1.50% A.P.R.


*BUMP UP RATE   –   During the 36 or 48 month initial terms, if the dividend rate increases for the same offered term of Share Certificates, you can request the rate raise. You are allowed to raise your rate for the term of your certificate two (2) times.  


Regular Share

Minimum to Open/Maintain Account

(One membership Share in regular account)           $ 10.00


Minimum Account Balance to Earn Dividends         $100.00


Anticipated Dividend Rates:                                                  .20% A.P.R.


Regular IRA Accounts


Minimum Account Balance to Earn Dividends            $100.00


Anticipated Dividend Rates:                                                    .60% A.P.R.


Call Jenelle at 712-454-5008 for more information on Certificate and IRA’s.


   *Rates subject to change. Not everyone will qualify for the lowest rate. Reward-based lending applies. Call Telco Triad's Main Branch for details at 712-252-4368.

**Rates subject to change. Minimum balance required. Call Telco Triad for details at 712-252-4368.


Telco Triad Community Credit Union