If you are disabled and having difficulty accessing information please call us at (586) 759-5050
Celebrating over 75 years of outstanding service at Tandem!

Products and Rates

Online Services

Deposit Products

Loan Services

The FACT Act

"We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report."

Loans

Vehicle Rates as low as 1.99% through December 31, 2017 for 2016's and newer. Rates are based on credit score. Terms out as far as 84 months at 3.50%. Contact the credit union for more information.

*Rates are subject to change without notice. Please contact the credit union to get current rate information
*A penalty is imposed for early withdrawal on Certificates of Deposit

Loan Rates
Pick Up Truck

Vehicle Rates as low as 1.99% through December 31, 2017 for 2016's and newer. Rates are based on credit score. Terms out as far as 84 months at 3.50%. Contact the credit union for more information.

*Rates are subject to change without notice. Please contact the credit union to get current rate information

Unsecured Loans up to $10,000 6.00% 6.00% 12-36
Unsecured Loans $10,001 up to $20,000 9.45% 9.45% 12-60
Revolving Credit Loan 13.90%
Overdraft Line of Credit 14.90%
Visa Classic Credit Card 11.90%
Default annual percentage rate 14.90%
Visa Gold Credit Card 9.90%
Default annual percentage rate 11.90%
Visa Secured Card 9.90%
No default annual percentage rate

Secured Shared Loans 3% above pledge share account dividend rate.
Term: 1 month to 120 months.
Rates posted are the lowest possible rates.
Rates may vary depending on past credit history and credit score.
Rates are subject to change. Call the Credit Union for additional loan details.
*APR = Annual Percentage Rate
Share and CD Secured
6 Months Dividend Paid 0.35% +3% = APY*
12 Months Dividend Paid 0.65% + 3% = APY*
24 Months Dividend Paid 0.75% + 3% = APY*
36 Months Dividend Paid 1.00% + 3% = APY*
60 Months Dividend Paid 1.60% + 3% = APY*
Rate is based on current dividend being paid on Share Certificates of Deposit and Loan term requested.
Rates are subject to change without notice.
* APY = Annual Percentage Yield
Certificate of Deposit ($2,000 Minimum)
6 Months 0.35% (0.35% APY*)
12 Months 0.65% (0.65% APY*)
24 Months 0.75% (0.75% APY*)
36 Months 1.00% (1.00% APY*)
60 Months 1.59% (1.60% APY*)
Rates are subject to change without notice.
* APY = Annual Percentage Yield
Shares
  Dividend APY*
Share (Savings)
$100 to $9,999 0.10% 0.10%
$10,000 to $99,999 0.20% 0.20%
$100,000 and Over 0.50% 0.50%
IRA's ($100 and Over) 0.50% 0.50%
Share Drafts 0.00% 0.00%
Travel Club ($100 and Over) 0.10% 0.10%
Rates are good until 12-31-2017 and are subject to change.
Please contact the credit union to get current rate information.
* APY = Annual Percentage Yield


Equal Opportunity in Lending Policy Statement

Tandem Federal Credit Union has established a policy of making sound loans to all qualified members regardless of race, color, national origin, religion, sex, marital status, age, receipt of public assistance, age or location of dwelling used as security or the borrower's good-faith exercise of rights under the Consumer Credit Protection Act, the Fair Housing Act and the Equal Credit Opportunity Act. It is the policy of Tandem Federal Credit Union to comply with all Federal and State Laws and Regulations including, but not limited to, the Civil Rights Act of 1968, the Consumer Credit Protection Act of 1968, the Real Estate Settlements Procedure Act, the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act of 1975.