The TCU annual meeting will be held on May 21st, 2024 at 5:30 PM at Joe Edgar Hall, 1866 NE 162nd AVE, Portland Oregon.

Rates & Fees

Loan Rates

Current Loan Rates
Secured Loans (Maximum loan amount $200,000) 5% – 17.99% APR*
Signature 9.99% – 17.99% APR*
Line of Credit 9.99% – 17.99% APR*
MasterCard Variable 9.99% – 17.99% APR*
Share Secured / Certificate / Severance 5% above APY
1st Mortgage Contact TCU for current rates
2nd Mortgage Owner Occupied Starting at 6.50% APR** 80% RMV
180 months maximum
Home Equity LOC Fixed for Five 5 year Draw & 15 year repay Variable 8.25% APR***
80% RMV

*Annual Percentage Rates (APRs) shown are a range of APR’s offered. Actual APR approved based on member’s credit score and credit qualifications. Some restrictions may apply. The maximum loan rate is 17.99%. Rates current as of 08/01/2022. The Credit Union may offer other promotions in the future. Real Estate rates subject to change daily.

Maximum unsecured loan to any one member is $10,000.00. Maximum secured loan to any one member is $500,000.00. Loan and terms are subject to credit approval.

**Real Estate Secured fixed rate loans require a minimum 1% loan fee and closing costs, which will increase the APR. Loan and terms are subject to credit approval. Rates and terms are subject to change without prior notice. All Real Estate loans over $100,000.00 may require an appraisal. Maximum Loan $500,000.00. Some restrictions apply. For example, on a 60 month Second Mortgage there would be 60 monthly payments of $19.33 per $1,000.00 borrowed. Please contact the loan department for details. Equal Housing Opportunity.

***APR shown is for 1st & 2nd Trust Deed HELOC’s. Rate is fixed for 5 years and tied to an index. Credit Union has option of extending initial 5 year draw period another 5 years. After initial 5 year period, rate will then be variable out to 180 months. Rate cannot exceed 18% APR. Minimum payment during draw period is 1% of outstanding balance. Minimum payment during fixed payments is $50.00. Appraisal may be required. Equal Housing Opportunity.

TCU #37 Credit Card Application Disclosures MASTERCARD® – Rates & Fees

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.99% – 17.99% When you open your account, the applicable APR based on creditworthiness.
APR for Cash Advances & Balance Transfers 9.99% – 17.99% When you open your account, the applicable APR based on creditworthiness.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee None
Cash Advance Fee None
Late Payment Fee $10
Card Replacement Fee $25
Returned Check Fee $30
Other Fees
Foreign Transaction Fee
Up to 1% of the US dollar amount of the foreign transaction

See the MasterCard Credit Card Agreement for complete terms.

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). We reserve the right to amend the MasterCard Credit Card Agreement as permitted by law. The above rates and fees are current as of 04/4/2022.

Savings Rates

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking and Certificate Accounts at Teamsters Council #37 Federal Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Account Agreement.

Effective Date: 4/5/2024

Rate & Fee Schedule Savings, Checking, & Certificate Accounts
Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance Dividend Compounded
and Credited
Dividend Period
Regular Shares .05% .05% $5 $50 Quarterly Quarterly
Christmas Club .05% .05% $5 $5 Quarterly Quarterly
Special Savings .05% .05% $5 $5 Quarterly Quarterly
Share Drafts
Severance Account .15% .15% Quarterly Quarterly
Hi-Yield Money Market .05%
$1,000 $1,000
Monthly Monthly
Certificate Accounts
6 month .75% .75% $500 $500 Quarterly Quarterly
12 month 1% 1%
18 month 1.50% 1.510%
24 month 2.25% 2.27%
36 month 2.25% 2.27%
48 month 2.25% 2.27%
6 month .35% .35% $2,500 $2,500 Quarterly Quarterly
12 month .85% .85%
18 month .95% .95%
24 month 1.30% 1.31%
36 month 1.40% 1.41%
48 month 1.70% 1.71%
Certificate Accounts
11 & 21 months 4.15% 4.22% $500 $500 Quarterly Quarterly
Traditional, Roth & Educational .35% .35% $25 $25 Quarterly Quarterly
6 month .75% .75%
11 month 4.15% 4.22%
12 month 1.25% 1.26%
18 month 2.00% 2.02%

Truth In Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Dividend Rate and Annual Percentage Yield may change monthly for Hi-Yield Money Market and quarterly for Share, Severance, and IRA Accounts as determined by the Board of Directors. The Hi-Yield Money Market is a tiered rate account. The Dividend Rates and Annual Percentage Yields applicable to the account depends on the balance range as set forth above. Each Dividend Rate will apply only to that portion of the account balance with each tier. For Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal will reduce earnings. IRA Accounts are a Variable Rate Certificate, Rates change Quarterly.

2. Nature of Dividends. For Share, Severance, Hi-Yield Money Market and IRA Savings accounts, dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are the prospective rates that the Credit Union anticipates paying for the applicable dividend period.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the quarter and ends on the last calendar day of the quarter.

4. Accrual of Dividends. Dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

5. Balance Information. The minimum balance required to open each account is set forth above. For all accounts, dividends are calculated by the average daily balance method. Dividends are calculated by applying a periodic rate to the average daily balance in the account for the Dividend Period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period. For Share and Hi-Yield Money Market accounts, there is a minimum daily balance requirement to earn dividends and obtain the stated Annual Percentage Yield as set forth above.

6. Transaction Limitations. For Share accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your accounts may be subject to a fee or be closed.

7. Certificate and IRA Account Features.

a. Account Limitations. After your account is opened, you may not make additional deposits to a Certificate account. Additional deposits are allowed for IRA accounts.

b. Maturity. Your Certificate or IRA account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.

c. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal of your Certificate or IRA account before the maturity date.

(1)Amount of Penalty. For Certificate accounts, the amount of the early withdrawal penalty is based on the following penalty schedule:

Early withdrawal penalty on:

Cd’s 12 months or less is $25 plus 90 days dividends

Cd’s 24 months or less is $25 plus 180 days dividends

Cd’s 60 months or less is $25 plus 270 days of dividends

(1A) For IRA accounts, the amount of the early withdrawal penalty is $25 plus 180 days dividends.

(2) How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned at the nominal dividend rate on the account. It applies whether or not dividends have been earned. In other words, if the account has not you earned enough dividends or if dividends have already been paid, the penalty will be deducted from the principal.

(3) Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

i. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

ii. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA and the owner attains age 59 ½ or becomes disabled.

d. Renewal Policy. All Certificate and IRA Accounts are automatically renewable accounts. You have a grace period of seven (7) business days after maturity in which to withdraw the funds in the account without being charged an early withdrawal penalty.

e. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

Fee Schedule Checking/ATM/ACH/Debit Card Account Fees
Free Checking $0.00 Per Month
Non-Sufficient Funds (NSF) Fee or returned item fee $30.00 Per Item
Stop Payment $30.00 Per Item
ACH origination set-up fee (outbound) $25.00 each time
Overdraft transfer from another account $5.00 Per Transaction
Check Copy $5.00 Per Copy
Account Closure Fee $25.00
Check Printing Prices Depend on Style
Counter checks (page of 3) $5.00
Stop Payment on a Credit Union Check $30.00
Regular Share Account Fees
Early Closure (within 6 mos.) $5.00
Minor Early Closure (within 6 mos.) $5.00
Address Change: Not originated by member $3.00
Credit Union Check Withdrawal Made Payable to Member 1 Free per day ($1.25 addt’l)
ATM/MasterCard Fees
ATM Transaction $.75
MasterCard Card Replacement $25.00
MasterCard Statement Copy $10.00
Credit Union Membership
Membership Share (under age 15 $5.00) $5.00 Per Value
Membership Fee (waived if under age 15) $5.00
Miscellaneous Fees
Account Print Out $3.00
Return Deposit Item $30.00
Ach Authorization revoked (per item) $30.00
Dormant Account $20.00 Per Year
Cashier’s Check $7.00 Per Check
Wire Transfer – (Incoming) $15.00
Wire Transfer – (Outgoing) $20.00
Money Order $1.00
Account Reconciliation / Research $30.00 Per Hour
Legal Process $25.00
Statement Copy $5.00 Per copy
Hand Posted Electronic Funds Transfer $5.00
Collection Item $40.00
ACH Change Fee $5.00
Written payoff request for mortgages $50.00
Non-member check cashing fee $5.00
Blue Pay Processing Fee $10.00 or 3% of transaction whichever is greater

The rates and fees appearing in this schedule are accurate and effective for Savings, Checking, and Certificate accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please contact us.


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Whether you are buying a home for the first time, trading up, and wanting to refinance, we can help you find the right home loan.

Home Equity Loans are one of the best and lowest cost ways to afford big ticket items now!

No annual fee, a 25-day grace period*, and the same low rate for both purchases and cash advances!

If you need some quick cash, check out our Signature Loan and Line of Credit!

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