Rates & Fees

Loan Rates

Loan Rates

Rates are effective as of September 1, 2023. Rates are subject to change without notice.

  • Annual Percentage Rates are based on credit score
Loan Type APR* Term  
Share Secured 4.00% up to 72 months  
       
Vehicle Loans      
2023 or newer  as low as 5.50% 48 months  
  as low as 6.00% 72 months  
  as low as 6.50% 84 months  
       
2017 - 2022  as low as 6.50% 48 months  
  as low as 7.00% 72 months  
       
2016 or older as low as 7.50% 48 months  
  as low as 8.00% 60 months  
       
Recreational Vehicle Loans      
2023 or newer as low as 6.50% 48 months  
  as low as 7.00% 72 months  
  as low as 7.50% 84 months  
  as low as 8.50% 96 months**  
  as low as 9.50% 120 months**  
       
2017 - 2022 as low as 7.50% 48 months  

 
as low as 8.00% 72 months  
  as low as 9.00% 96 months**  
  as low as 10.00% 120 months**  
       
2016 or older  as low as 8.50% 48 months  
  as low as 9.00% 60 months  
  as low as 10.00% 72 months  
  as low as 11.00% 96 months**  
  as low as 12.00% 120 months**  
*Annual Percentage Rate
**$25,000 minimum
     
       
Unsecured Loans APR* Limit Terms 
Personal Loan as low as 12.00% up to $5,000 closed-end, 48 month maximum term
Preferred Personal Loan as low as 12.00% up to $10,000 closed-end, 48 month maximum term
Personal Line of Credit as low as 12.00% up to $5,000 open-end, no maximum term
Credit Builder Loan 18.00% up to $500 closed-end
Overdraft Line of Credit 18.00% up to $500 open-end, no maximum term
       
Home Equity Line of Credit APR* Limit  
Home Equity Line of Credit
 
7.50% variable rate
*rates subject to change semi-annually
*max 18.00% APR
up to $150,000
 
* Loan-to-Value 80%
* Low variable rates adjusts quarterly, based on Prime Rate + Margin
* Line of credit advances up to 10 years
* Repayment terms up to 20 years
* Average closing costs $500:
closing costs vary by county and
range from $100 - $1,200
* Interest paid may be tax
deductible, please consult your tax advisor

Deposit Rates

Deposit Rates

Rates are effective as of October 01, 2023 . Rates are subject to change without notice.

Account Dividend Rate APY* Minimum Balance
Share Savings 0.300% 0.300%

$10 minimum balance

$200 minimum to earn dividends
WINcentive Savings 0.050% 0.050% $5
Future Teamster Share Savings 0.300% 0.300% $10
Holiday Club 0.400% 0.400% $5
Vacation Club 0.400% 0.400% $5
Education Club 0.400% 0.400% $5
Money Market 0.500% 0.500% $2,500
Checking (Share Draft) 0.050% 0.050%

No minimum balance

$500 minimum to earn dividends
       
Certificates of Deposit      
6 month Certificate 2.000% 2.000% $2,500
12 month Certificate 2.250% 2.250% $2,500
*Annual Percentage Yield      

Fee Schedule

Fee Schedule

Effective as of January 01, 2024

Share Account  
New Membership Fee $10.00
Below $10.00 Minimum Balance Fee $3.00
Address Correction Fee (when mail is forwarded by US Postmaster) $3.00
Incorrect Address Fee (when mail is returned & member is unlocatable) $10.00 to $50.00
Dormant Account Fee $10.00 per month
Paper Statement Fee $5.00 per statement
Statement Copy Fee $5.00 per statement
Check Cashing Fee $5.00 per check
Third Party Check Withdrawal Fee $5.00 per check
Stop Payment Fee $30.00 per check
Wire Transfer Fee $30.00
Account Research Fee $25.00 per hour
($5.00 minimum)
   
Checking Account  
Checking Application Fee $10.00
Check Printing Fee Price varies depending on style
Debit Card Replacement Fee $10.00 per card
Debit Card Rush Fee $15.00 to $30.00 per card
Overdraft Transfer Fee $6.00 per transfer
NSF Paid Fee $30.00 per item
NSF Return Fee $30.00 per item
Overdrawn Account Fee $5.00 per day after 3 days
Stop Payment Fee $30.00 per check
Wire Transfer Fee $30.00
Account Research Fee $25.00 per hour
($5 minimum)
   
Loan Services  
Loan Processing Fee $30.00 per advance
Overdraft Protection Fee $30.00 to establish Overdraft Line of Credit
Late Payment Fee on Closed-End Loans & HELOC $30.00 after 10 day grace period
Late Payment Fee on Open-End Lines of Credit 5.00% of payment after 10 day grace period
Skip Payment Fee $35.00
Duplicate Lien Release Fee $5.00 
Loan Rate Review Fee $15-$75
   
Other  
Large Cash Withdrawal Fee (over $3,000 - up to $10,000) $15.00 ($10,000 maximum cash withdrawal per member per day)  
Withdrawal Over-Limit Fee for Club Accounts $10.00 per withdrawal when maximum is exceeded
Certified Check No Fee
Notary Service (for members) No Fee
Notary Service (for non-members) $12.00

Contact Us

Phone: (763) 267-6300
Fax: (763) 267-6306
Email: info@mnteamsterscu.com

Office Hours

Monday, Tuesday. Wednesday, Thursday 8 AM - 4 PM
Friday 8 AM - 2 PM

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Teamsters Credit Union, MN

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