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Rates

View Our 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.

 
Call or visit any branch for more information
Boat Loans
as low as

5.14% APR 

for 60 months
CD's
as high as

3.75% APY 

for 60 months
Auto Loans
as low as
4.64% APR
for 60 months
IRA's
as high as

4.00% APY 

for 60 months

Rates as of March 18, 2025
 
Account Rate Information
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: 2.25% dividend @ 2.25% APY
12 month certificate: 2.85% dividend @ 2.85 % APY
24 month certificate: 3.00% dividend @ 3.00% APY
36 month certificate: 3.25% dividend @ 3.25% APY†
48 month certificate: 3.50% dividend @ 3.50% APY†
60 month certificate: 3.75% dividend @ 3.75% 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: 2.25% dividend @ 2.25% APY
12 month certificate: 2.85% dividend @ 2.85% APY
24 month certificate: 3.00% dividend @ 3.00% APY
36 month certificate: 3.25% dividend @ 3.25% APY†
48 month certificate: 3.50% dividend @ 3.50% APY†
60 month certificate: 3.75% dividend @ 3.75% 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.
Rates as of March 18, 2025
 
Loan Type
 Rate
Auto Loans as low as 4.64% APR*
RV Loans as low as 6.00% APR*
Boat Loans as low as 5.14% APR*
ATV/Jet Ski Loans as low as 9.20% 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. 
Card Type Rate
Mastercard® Gold Rewards 8.90% APR*
Mastercard® Classic 11.90% APR*

*Rates subject to change. Not everyone will qualify for the lowest rate. Reward-based lending applies.








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