Rates & Calculators











Touchstone Federal Credit Union is committed to offering the highest possible interest on savings, checking and investment products and competitive rates on loans and mortgages. All rates are effective as of December 15, 2016. 

Rates, terms and conditions are subject to change at any time without notice. Loan rates are based on borrower's credit history and loan term.

To estimate your potential loan payments, please use our loan calculators.  

Mortgages & Home Equity Loans

 

Loan Type

APR*

Terms

First Mortgage -- Learn more about mortgages. 
Home Equity Loan+ As low as 6.25%

Minimum loan amount $10,000; maximum $300,000 or 80% of value of the property. Fixed term of up to 180 months.

No Points. 

Home Equity Line of Credit+ Prime **

Minimum loan amount $10,000; maximum $300,000 or 80% of value of the property. Maximum draw 10 years; repay term 5 years. No points.

 

*APR = Annual Percentage Rate.
** The prime rate is the Wall Street Journal prime rate as of the last business day of the month. Prime Rate is currently 3.75%. The Annual Percentage Rate may vary. The maximum annual percentage rate that may be imposed in a variable rate plan is 18%.

+ Home Equity Loan Closing Costs are applicable and include Attorney's, Title, Recording, and Runner's Fees. These settlement fees are estimated at $310 for NH and $435 for MA. If a discharge needs to be recorded, an additional $17.39 will be charged for NH and an additional $75 for MA. Appraisal and Flood Certificate fees totaling $246 also apply. These estimates are effective as of January 1, 2008. Currently no additional fees are charged. Fees may change without notice.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

Property insurance is required for home equity financing.

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Consumer & Vehicle Loans 

Rates, terms and conditions are subject to change at any time without notice.

 

Loan Type APR* Term Estimated Monthly
Payment
New Vehicle - Maximum loan amount is 100% of value of vehicle or $75,000 As low as 1.99%+ Up to 72 months $14.75 per month per $1,000 borrowed for 72 months
Used Vehicle** - Model years '14 to '16; maximum amount is 100% of value of vehicle As low as 1.99%+ Up to 60 months $17.52 per month per $1,000 borrowed for 60 months
Used Vehicle** - Model years '11 to '13; maximum amount is 80% of value of vehicle As low as 3.99% Up to 48 months $22.57 per month per $1,000 borrowed for 48 months
Used Vehicle** - Model years '00 to '11; maximum amount is 80% of value of vehicle As low as 4.99% Up to 36 months $29.97 per month per $1,000 borrowed for 36 months
New Motorcycle -  Maximum loan amount is 100% of value of vehicle or $50,000 As low as 3.99% Up to 72 months $15.64 per month per $1,000 borrowed for 72 months
Used Motorcycle(2011-2015) Maximum loan amount is 90% of value of bike or $50,000
As Low as 4.99% Up to 60 months $18.87 per month per $1,000 borrowed for 60 months
Used Motorcycle (2000-2010) Maximum loan amount is 80% of value of bike or $50,000 As low as 5.99% Up to 36 months $30.42 per month per $1,000 borrowed for 36 months
RVs and Boats - Minimum $10,000; maximum 80% of value or $100,000 As low as 7.00% Up to 120 months $19.80 per month per $1,000 borrowed for 60 months
Tax Loan - maximum loan amount is $5,000 10.49% Up to 12 months $88.14 per month per $1000 borrowed for 12 months
Share Secured Loan 3% over share rate Up to 60 months  
Personal Unsecured Loan As low as 15.49% Up to 48 months $28.08 per month per $1,000 borrowed for 48 months
Computer Loan** As low as 8.50% Up to 24 months $45.00 per month per $1,000 borrowed for 24 months
Touchstone FCU Visa Credit Card
(no annual fee)
10.50% Revolving N/A
 Overdraft Line of Credit  18.0% Revolving N/A
 Personal Line of Credit -- Green***  as low as 12.5%**** Revolving N/A
 Personal Line of Credit -- Gold***  10.50% Revolving N/A

 

*APR is Annual Percentage Rate; actual APR based on credit history and term.
** Purchase agreement/sales slip required. Used vehicles over $20,000 have a maximum terms of 60 months.

+ Talk to us about car loan rate for models 2013 and newer. We will match rate as low as 1.5% with proof from dealership.
*** Unsecured Lines of Credit are reviewed annually. Green Lines of Credit have a minimum rate of 12.50% and a maximum rate of 18.00%.
****Prime rate is currently at 3.75%. The prime rate is published in the Wall Street Journal on the last day of the month.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE


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Savings 

Rates, terms and conditions are subject to change at any time without notice. Rates may change following account opening. The Annual Percentage Yield is accurate as of the last dividend declaration date.

Savings

Minimum Balance       

Dividend Rate

APY*  

Savings

$25

0.25%

0.25% 

All-purpose Club

$5

0.25%

0.25%

Holiday Club

$5

0.25%

0.25%

IRAs

$500

0.25%

0.25%

Money Market Accounts -- $0 to 2,499

$0 to 2,499

0.02%

0.02%

Money Market Accounts -- $2,500 to $9,999

$2,500 to $9,999

0.40%

0.40%

Money Market Accounts -- $10,000 to $24,999

$10,000 to $24,999

0.55%

0.55%

Money Market Accounts -- $25,000 to $49,999

$25,000 to $49,999

0.65%

0.65%

Money Market Accounts -- Over $50,000

Over $50,000

0.70%

0.70%

*APY = Annual Percentage Yield, which assumes interest and principal remain on deposit for one year. 

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Certificates

Rates, terms and conditions are subject to change at any time without notice.

 

Account Type

Minimum Deposit

Dividend Rate

APY*

Term

6-month Share Certificate**

$500

0.55%

0.55%

6 months

12-month Share Certificate**

$500

0.85%

0.85%

12 months

18-month Share Certificate**

$500

1.04%

1.05%

18 months

24-month Share Certificate**

$500

0.95%

0.95%

24 months

36-month Share Certificate**

$500

1.19%

1.20%

36 months

*APY = Annual Percentage Yield, which assumes interest and principal remain on deposit for one year. **Penalty for early withdrawal is 90 days dividends if maturity is less than one year and 180 days dividends if maturity is 1 year or more. 


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