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.
our starting rates
(as of December 22, 2020)
Credit Card Rates
Gold MasterCard: 9.9% APR*
Premium MasterCard: 11.9% APR*
Premium VISA: 11.9% APR*
Loan Rates as low as
Auto Loans: 2.39% APR*
FHA Home Improvement Loan: 5.00% APR*
Mortgage Loan: 5.375% APR*
Home Equity Loan: 4.39%* (6 year term, including balloon)
Call your local branch to speak with our loan experts for all details.
*Rates subject to change. Not everyone will qualify for the lowest rate. Reward-based lending applies. Call your local branch for details and set up an appointment.
MEMBER RATES as of December 22, 2020
Regular Share and IRA Share Certificate Accounts
TERM Anticipated Rates
Share Certificate ($1,000 and above)
6 Month .05% A.P.R.
12 Month .10% A.P.R.
24 Month .20% A.P.R.
36 Month** .25% A.P.R.
48 Month** .30% 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 increase. 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: effective 1-1-2021 .05%
Regular IRA Accounts
Minimum Account Balance to Earn Dividends $100.00
Anticipated Dividend Rates: effective 1-1-2021 .10%
Call Jenelle at 712-454-5008 for more information on Certificates and IRA’s.
**Rates subject to change. Minimum balance required. Call Telco Triad for details.
contact
morningside
P: 712-276-0506
F: 712-276-0563
2550 Glenn Ave.,
Sioux City, IA 51106
spencer
P: 712-262-4194
F: 712-262-4195
24 W 4th St,
Spencer, IA 51301
denison
P: 712-263-8100
F: 712-263-4779
11 N 7th St,
Denison, IA 51442