All rates and other figures are subject to change without immediate update on this site. Please contact TACU Credit Union at (608) 372-4736 to ensure accuracy.
All rates and other figures are subject to change without immediate update on this site. Please contact TACU Credit Union at (608) 372-4736 to ensure accuracy.
New Vehicles, Cycles, Boats, Camping Trailers, Motor Homes, Refinance from another financial (Secured)
| Rates as low as:** | |||
| 4.99% APR* | 12 Months | $85.60 | Per $1000 Borrowed |
| 4.99% APR* | 24 Months | $43.87 | Per $1000 Borrowed |
| 4.99% APR* | 36 Months | $29.97 | Per $1000 Borrowed |
| 4.99% APR* | 48 Months | $23.02 | Per $1000 Borrowed |
| 4.99% APR* | 60 Months | $18.87 | Per $1000 Borrowed |
| 5.49% APR* | 72 Months | $16.33 | Per $1000 Borrowed |
APR* = Annual Percentage Rate
**Actual loan rate may vary based on credit score and other factors.
100% Financing available to qualified borrowers.
**Actual loan rate may vary based on credit score and other factors.
100% Financing available to qualified borrowers.
Used Vehicles, Cycles, Boats, Camping Trailers, Motor Homes, Refinance from another financial (Secured)
| Rates as low as:** | ||||
| 4.99% APR* | 12 Months | $85.60 | Per $1000 borrowed. | Ride Guide Tool |
| 4.99% APR* | 24 Months | $43.87 | Per $1000 borrowed. | Ride Guide Tool |
| 4.99% APR* | 36 Months | $29.97 | Per $1000 borrowed. | Ride Guide Tool |
| 4.99% APR* | 48 Months | $23.02 | Per $1000 borrowed. | Ride Guide Tool |
| 4.99% APR* | 60 Months | $18.87 | Per $1000 borrowed. | Ride Guide Tool |
APR* = Annual Percentage Rate.
**Actual loan rate may vary based on credit score and other factors.
**Actual loan rate may vary based on credit score and other factors.
Call Credit Union at 608.372.4736 for loan terms.
Personal Loans
| 18.00% APR* | Unsecured/Secured Less than $1,500.00 |
| 15.00% APR* | Unsecured greater than $1,500.00 |
| 9.900% APR* | Secured greater than $1,500.00 |
| 9.000% APR* | Kwik Cash |
APR* = Annual Percentage Rate.
First Mortgage
| Fixed Rate Mortgages | |||||
| 1 Point | No Points | 1 Point | No Points | ||
| 6.250% APR* | 6.625% APR* | 30 Year Fixed | $6.16 | $6.40 | Per $1000 Borrowed |
| 6.000% APR* | 6.500% APR* | 20 Year Fixed | $7.16 | $7.46 | Per $1000 Borrowed |
| 5.875% APR* | 6.250% APR* | 15 Year Fixed | $8.37 | $8.57 | Per $1000 Borrowed |
| 5.625% APR* | 6.125% APR* | 10 Year Fixed | $10.91 | $11.16 | Per $1000 Borrowed |
| Fixed Rate In-House Mortgages | ||||
| 15 Year Fixed | 5.875% APR* | 1-15 Years | $8.37 | Per $1000 Borrowed |
| 10 Year Fixed | 5.625% APR* | 1-10 Years | $10.91 | Per $1000 Borrowed |
| 5 Year Fixed | 5.875% APR* | 1-5 Years | $19.27 | Per $1000 Borrowed |
| Variable Rate Mortgages | |||||
| 30 Year ARM* | 5.250% APR* | $5.52 | Per $1000 Borrowed (30 years) ARM* | ||
| 20 Year ARM* | 5.000% APR* | $6.60 | Per $1000 Borrowed (20 years) ARM* | ||
| 15 Year ARM* | 5.000% APR* | $7.91 | Per $1000 Borrowed (15 years) ARM* | ||
| 10 Year ARM* | 5.000% APR* | $10.61 | Per $1000 Borrowed (10 years) ARM* | ||
APR* = Annual Percentage Rate.
ARM*= Adjustable Rate Mortgage
ARM*= Adjustable Rate Mortgage
Contact Loan Department for Vacant Land Rates. 608-372-4736
Second Mortgage (In-House)
| 5 Year Fixed | 6.125% APR* | 1-5 Years | $19.39 | Per $1000 Borrowed (5 years) Fixed |
| 15 Year ARM* | 6.125% APR* | 6-15 Years | $8.51 | Per $1000 Borrowed (15 years) ARM* |
APR* = Annual Percentage Rate.
ARM*= Adjustable Rate Mortgage
ARM*= Adjustable Rate Mortgage
VA Loans
| 5.625% APR* | 30 Year Fixed |
APR* = Annual Percentage Rate.
WHEDA Fannie Mae Advantage
| 7.250% APR* | 30 Year Fixed |
APR* = Annual Percentage Rate.
Construction Loan
| 3.990% APR* |
APR* = Annual Percentage Rate.
Home Equity Line of Credit (HELOC)
| 3.99% APR* | 12 Month Introductory Rate |
| 3.99% APR* | Floor Rate |
APR* = Annual Percentage Rate.
*3.99% APR available on owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate is locked for 12 months, then the minimum interest rate after the introductory period is a variable rate based on the Prime Rate as published in the Wall Street Journal (recently 6.750%) and a margin, with a floor of 3.99% APR and maximum ceiling of 20% APR. Rate is subject to change on the first day of the following month after any change in the Prime Rate. Interest only payments are available for the first 10 years; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Minimum credit line is $5,000. Early termination fee applies. Existing TACU HELOCs may be modified for a $500 fee. Homeowners insurance required. Rates and terms subject to change. Additional rates and terms available. Other restrictions may apply. Speak with a TACU loan officer for full terms and conditions. No closing costs or application fees if: (i) Loan-to-Value (LTV) ratio is less than or equal to 80%. Fees may apply if LTV terms are not met. Additional loan programs may be available.
Share Certificates and IRA Certificates
| Special 7 Months | 4.00% APY* | 3.941% Dividend Rate | $100 Minimum to Open or Earn Dividends. |
| 90 Day | 2.000% APY* | 2.00% Dividend Rate | $100 Minimum to Open or Earn Dividends. |
| 6 Months | 3.500% APY* | 3.50% Dividend Rate | $1,000 Minimum to Open or Earn Dividends. |
| 12 Months | 3.500% APY* | 3.455Dividend Rate | $100 Minimum to Open or Earn Dividends. |
| 18 Months | 3.250% APY* | 3.211% Dividend Rate | $100 Minimum to Open or Earn Dividends. |
| 24 Months | 3.100% APY* | 3.065% Dividend Rate | $100 Minimum to Open or Earn Dividends. |
| 36 Months | 3.100% APY* | 3.065% Dividend Rate | $100 Minimum to Open or Earn Dividends. |
| 48 Months | 3.100% APY* | 3.065% Dividend Rate | $100 Minimum to Open or Earn Dividends. |
| 60 Months | 3.100% APY* | 3.065 Dividend Rate | $100 Minimum to Open or Earn Dividends. |
APY* = Annual Percentage Yield.
Certificate penalty for early withdrawals applies. During the first three months all dividends are forfeited.
Certificate penalty for early withdrawals applies. During the first three months all dividends are forfeited.
Checking Accounts (Personal/Business)
| Freedom Checking | Non-interest bearing | |
| Advantage Checking | .050% APY* | |
APY* = Annual Percentage Yield.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Christmas Club
| 0.50% APY* | 0.50% Dividend Rate |
APY* = Annual Percentage Yield.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Primary Share Account and IRA Passbook
| 0.15% APY* | 0.15% Dividend Rate |
APY* = Annual Percentage Yield.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Health Savings Accounts
| 0.050% APY* | 0.05% Dividend Rate |
APY* = Annual Percentage Yield.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal. Dividends are based on Credit Union earnings.
Money Market/Escalator Account ($1,000 Minimum Balance)
| $1,000 – 9,999 | 1.005% APY* | 1.00% Dividend Rate |
| $10,000 – 24,999 | 1.257% APY* | 1.25% Dividend Rate |
| $25,000 – 49,999 | 1.510% APY* | 1.50% Dividend Rate |
| $50,000 – 99,999 | 1.612% APY* | 1.60% Dividend Rate |
| $100,000 to $249,999 | 1.917% APY* | 1.90% Dividend Rate |
| $250,000 and More | 2.018% APY* | 2.00% Dividend Rate |
APY* = Annual Percentage Yield.
Fees may reduce earnings on the account.
Fees may reduce earnings on the account.
Member Payment Protection on Loans
| Consumer Loans | ||
| Disability | $2.39 per $1,000 | |
| Life Plus | $1.39 per $1,000 | |
| Life Plus Disability | $3.49 per $1,000 | |
| Life Plus Disability and Unemployment | $4.69 per $1,000 |
| Home Equity Loans | ||
| Disability | $1.39 per $1,000 | |
| Life Plus | $1.59 per $1,000 | |
| Life Plus Disability | $2.89 per $1,000 | |
| Life Plus Disability and Unemployment | $3.49 per $1,000 |
Account & Service Fee Disclosure
| Description | Amount | Per |
| Advantage Checking Accounts | $5.00 | Month (If balance falls below $500) |
| Share Excessive Withdrawal Fee | $1.00 | Withdrawal (3 Free per Quarter) |
| Counter Checks | $5.00 | 8 Counter Checks |
| Money Market/Escalator Excessive Withdrawal Fee | $5.00 | Withdrawal (3 Free per Month) |
| Check or Draft Returned NSF | $30.00 | Check/Occurrence |
| Deposited Return Check Fee Drawn on Self | $30.00 | Check |
| Deposited Return Check Fee Not Drawn on Self | $5.00 | Check |
| Copy of Cleared Draft | $5.00 | Copy |
| Faxed Copy of Cleared Draft | $7.00 | Copy |
| Account Reconciliation | $25.00 | Hour (1 hour minimum) |
| Stop Payment Share Draft | $20.00 | Item |
| Stop Payment Share Draft (block of 4 or more) | $55.00 | Block of 4 or more |
| History Print-Out of Account | $2.00 | Month |
| Wire Transfer (Incoming) | $10.00 | Wire |
| Wire Transfer (Outgoing) | $25.00 | Wire |
| Dormant/Inactive Account Fee | $10.00 | Month |
| Bad Address/Returned Mail Fee | $5.00 | Month |
| ACH Returned NSF | $30.00 | Item/Occurrence |
| ACH Stop Payment | $20.00 | Item |
| ACH- Notification of Change | $3.00 | Occurrence (after first time) |
| Overdraft Transfer Charge | $5.00 | Item/Occurrence |
| Money Orders | $2.00 (members) | Item |
| Stop Payment for Money Orders (only if lost) | $20.00 (members) | Item |
| Stop Payment for Corporate Checks (only if lost) | $20.00 | Item |
| Safe Deposit Box 3 X 5 | $11.00 | Year |
| Safe Deposit Box 3 X 10 | $25.00 | Year |
| Safe Deposit Box 5 X 10 | $40.00 | Year |
| Safe Deposit Box 6 X 10 | $40.00 | Year |
| Safe Deposit Box 10 X 10 | $60.00 | Year |
| Safe Deposit Box 10 X12 | $60.00 | Year |
| Safe Deposit Box Late Fee | $20.00 | Item |
| Cashier’s Checks | $5.00 | Item |
| Stop Payment (Cashier’s Checks) | $20.00 | Item |
| Online Billpay – Stop Payment | $20.00 | Item |
| Online Billpay – Merchant Return of Payment | $15.00 | Item |
| Online Billpay – Inactive User Fee | $10.00 | Month (after 90 days) |
To cancel your Billpay account, please contact TACU Credit Union at 608.372.4736.
Visa Check/ATM Card Fee Disclosure
| Description | Amount | Per |
| Visa Check/ATM Card Monthly Fee | NONE | |
| Overdraft Transfer Charge | $5.00 | Item |
| Non-Return Fee | $30.00 | Item |
| Replacement Card (Initial card is free) | $10.00 | Card |
| Replacement PIN (Initial PIN is free) | $5.00 | PIN |