What are treasury products

what are treasury products

Unsecured Lending Products

Overdraft Line of Credit/Signature Line of Credit

An Overdraft Line of Credit/Signature Line of Credit provides overdraft protection for your share draft checking account. On those rare occasions when your deposits are slower than your checks, your overdraft line of credit will ensure that your checks are paid up to the amount of your available credit limit. In addition, an overdraft line of credit is a revolving line of credit that you can access whenever you wish for whatever reason you choose. Simply write a check, use your ATM or Visa debit card or transfer funds through Maxine or online from your overdraft line of credit to your checking account.

Consider an overdraft line of credit even if you do not plan to use it. There is no charge for an unused overdraft line of credit and even when you use it, the expense is less than bounce check or courtesy pay fees. Click here to apply online or Click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information

Apply for up to $15,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

MasterCard EMV Credit Cards

The Treasury Department Federal Credit Union now offers MasterCard EMV Credit Cards.

· No annual fee

· Low everyday interest rates

· 25 days grace

· Scorecard and travel rewards

· Interest rates will be tiered based on your credit history

· Introductory interest rates for new cardholders - new Credit Cardholders will receive a six month introductory interest rate for purchases and for balance transfers.

· Different interest rate apply to cash advances

· Extended Warranty

· Price Protection

· Identity Theft Resolution Services

· MasterCard Global Services

With a TDFCU MasterCard EMV Credit Card, you are automatically enrolled in our ScoreCard Program. Earn Bonus Points for all of your purchases and then plan your next getaway - on us! The ScoreCard Program has a variety of awards options: air travel, hotels stays, car rentals, cruises, vacation packages, experience awards and more. TDFCU has the right to change or cancel this reward program at anytime. For quick reference and a full awards list, visit www.scorecardrewards.com .

Now available with the added security of EMV(a global standard for authenticating chip card transactions).

Apply for up to $20,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Call Center Representative for more information.

Signature Loans

You have worked hard to establish your credit. Finance your special project, purpose or desire with a Treasury Department Federal Credit Union signature loan. With fixed interest rates and a fixed term, you can get the fixed payments that fit your budget.

Apply for up to $20,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Credit Consolidation Loan

Our Credit Consolidation Loan can help you manage your debt and reduce your monthly payment. Take two or more outstanding balances and consolidate them to one credit consolidation loan. The outstanding balances can be from credit cards, personal loans or almost any currently outstanding debt. Create one loan with us and make one payment a month to simplify overall management of your debt and in many cases reduce the payment required.

Credit consolidation loans only work if you change your spending habits. If you consolidate your credit cards and keep all of the credit limits available and continue to use your credit cards, you could be headed for serious financial difficulty. Consider consolidating your debt and closing or severely reducing the limits on your credit cards. This will assist you in limiting new debt and maintaining your ability to benefit from a credit consolidation loan.

Apply for up to $20,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Education Loans

This product is designed to help you through temporary financing requirements for an education. The program will finance tuition, books, room and miscellaneous costs solely related to education. Terms are available for up to 60 months.

Apply for up to $15,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Computer Loan

Technology is an important part of American life. Our computer loan, which covers hardware and software, is designed to assist you in accessing not only the many benefits available from the Treasury Department Federal Union, but also the ability to access a wide variety of resources. Terms are available up to 36 months.

Apply for up to $5,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

If you need quick cash for a short period of time consider a T-Loan. Borrow small amounts and pick your repayment schedule up to 1 year. Use this product to stay away from predatory lenders.

There is a $10 application fee for all applicants with direct deposit and automatic payment transfers and the application fee is $20 for all applicants without direct deposit and automatic payment transfers.

Click here to apply

online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Secured Lending Products

Vehicles

(Automobiles, Trucks or SUVs)

Whether it's your first vehicle or the vehicle of your dreams, there are many choices to be made. The Treasury Department Federal Credit Union offers a variety of products to meet your financial needs. New, used, antiques, whatever your choice TDFCU can arrange the right financing for you.

Select 80% or 100% financing including tags, taxes, processing fees, extended warranty and GAP insurance. Terms are available up to 84 months for new vehicles and up to 72 months for used vehicles. Ask for details.

Apply for up to $125,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Motorcycle Loans

With a TDFCU motorcycle loan you can be on the road with financing that is right for you. New motorcycles can be financed up to 60 months and used motorcycles can be financed up to 36 months.

Select the product that is right for you.

Apply for up to $75,000 new and 50,000 used. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Leisure Vehicle Loans

(Recreation Vehicles, Boats and Watercraft)

Now that you have the time you need, how about getting the vehicle you want. Consider TDFCU's leisure vehicle loans when you are ready for a little fun. Available terms up to 60 months with 120 months available with special requirements.

Apply for up to $200,000 new and $150,000 used. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Share Saving and Certificate Secured Loans

Whether you are trying to establish or repair credit or just want to use your own money as collateral, a share saving or certificate secured loan is the least expensive way to obtain financing. Borrow up to the amount you have available in your account and take up to 60 months to repay the loan.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Home Equity Products

Second Mortgage Loan

Looking to make a big purchase, to expand your home or some other large transaction, consider our Second Mortgage Loan. With a fixed interest rate and a fixed term, you can manage your payments with the comfort of knowing your monthly payment will not change. Borrow up to 80% loan to value and the maximum term is 15 years.

Apply for up to $200,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Home Equity Express

The Home Equity Express product is no longer offered. The product was based on requirements of a thrid party vendor who assumed the risk of the product. That third party vendor is no longer accepting any new risk and therefore the product is no longer offered. Kindly consider one of our other three home equity products to meet your financial requirements.

Home Equity Line of Credit (HELOC)

Available when you need it, our Home Equity Line of Credit (HELOC) is easy to access. Use special HELOC checks the same way as normal checks whenever you wish. Access your account online and transfer funds from your HELOC to your checking account. Advances must be a minimum of $500.

Borrow up to 80% loan to value, draw against the available balance for 10 years and take an additional 15 year to repay the HELOC. The interest rates are adjustable based on prime and can adjust on the fifteen day of the first month of the quarter.

Apply for up to $200,000. Interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Super Home Equity Line of Credit (SHELOC)

More powerful than a HELOC, our Super Home Equity Line of Credit can be used as overdraft protection for your share draft checking account or you can establish an additional checking account just for access to your SHELOC. Funds can be transferred over the internet from your SHELOC to your checking account.

  • Up to 80% loan to value
  • Amounts available up to $600,000
  • Interest only during the draw period up to 10 years
  • Repayment term after draw period up to 20 years
  • Can be used for overdraft protection
  • Rates as low as prime minus 1%

Interest rates are adjustable based on prime and can adjust on the fifteen day of each month. Actual interest rates are based on individual credit history. Consider credit life and disability insurance for added protection from unexpected events.

Click here to apply online or click here to check interest rates or call 800 344-4497 then press 4 to speak to a Member Service Representative for more information.

Mortgages

The Treasury Department Federal Credit Union offers conventional fixed rate mortgages, conventional adjustable rate mortgages, and jumbo fixed and adjustable rate mortgages.

For more information click here or call (800) 425-0455

Source: www.tdfcu.org

Category: Bank

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