Contact Us : (254) 690 - 2274
Fax : (254) 690 - 2708
Alphabetical Index
Serving Central Texas since 1957
Formerly Known As Killeen Teachers Federal Credit Union
Rates & Fee Schedule

Interest & Dividend Rates Effective as of June 23, 2014

*Discounted Vehicle Loan APR figured with approved credit AND automatic/electronic payment

**Vehicle Loan Example - $20,000 @60 mo with APR 2.99% = 3.045 APY

Secured Loans *APR
(Annual % Rate)
Term
Down Payment May Be Required    
New Autos    
A credit *2.99 up to 60 mo
B credit *2.99 up to 60 mo
C credit 7.99 up to 60 mo
UsedAutos    
A credit *3.99 up to 60 mo
B credit *3.99 up to 60 mo
C credit 9.99

up to 60 mo

Recreation Vehicle (boats, ATVs, RVs, motorcycles) APR rates are 2 percentage points higher than Used Autos    

 **  Ask about our 72 month Vehicle Loan Rates  **

Share Secured Loans: 3.59% + Current Dividend Rate on

Shares or CD 

Loan Processing Fees:  Less Than $1,000 - $20.00

$1,000 and higher - $25.00

A Rate Discount up to .50% may be given for all unsecured loans if you have 2 of the following items with us:
Checking, Direct Deposit, MasterCard, CDs or Payroll Deduction.

 

Unsecured Loans APR* Term
 
    A+credit 11.50% n/a
    A credit 12.50% n/a
    B credit 13.50% n/a
    C credit 15.50% n/a
 

 

**APY=Annual Percentage Yield

Savings Rate APY** Term
Savings (minimum $20 + $5 fee) .100 .10 n/a
IRAs .499 .50 n/a
Money Market Tier Accounts Rate APY** Term
$2,500 - $9,999 .10 .10 n/a
$10,000 -$24,999 .10 .10 n/a
$25,000+ .15 .15 n/a

 

Certificates of Deposits Rate APY*** TERM
$1000+      
6 month .249 .25 6 month
12 month .350 .35 12 month
24 month .499 .50 24 month
36 month .648 .65 36 month

***APY=Annual Percentage Yield
A penalty will be imposed for early withdrawal.
Rates may change at any time.