Tandem FCU
21043 Mound Road
Warren, MI 48091-2998
Phone: (586) 759-5050
Our Current Hours Are:
Monday - Friday
9:30 a.m. - 5:00 p.m.
Audio Teller:
1-866-470-7410
Phone - a - Loan Service
For after hours, weekends,
and holidays
Phone: (586) 759-5050
Credit Union Family
Services Centers
offer extended hours
at 21 locations
9:00 a.m. - 7:00 p.m.
Monday - Friday
9:00 a.m. - 2:00 p.m. Saturdays
Toll-Free Locator:
1-800-800-9700
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
 |
Saving & Loan Interest Rates |
Declared Dividend Rates Effective December 31 , 2009
|
Annual |
||
| Regular Savings Account | $100 to $9,999 |
.35% |
.35%APY |
| Regular Savings Account | $10,000 to $99,999 |
.45% |
.45%APY |
| Regular Savings Account | $100,000 and Over |
1.00% |
1.00%APY |
| IRAs | $100 and Over |
1.00% |
1.00% APY |
| Share Drafts | $100 and Over |
.00% |
.00% APY |
| Travel Club | $100 and Over |
.35% |
.35% APY |
The following rates were effective May 22nd, 2010
6 Months |
12 Months |
24 Months |
36 Months |
60 Months |
1.25% |
1.49% |
1.84% |
2.14% |
2.58% |
APY 1.25% |
APY 1.50% |
APY 1.85% |
APY 2.15% |
APY 2.60% |
Minimum balance of $2000.00 required to earn the APY. Fees could reduce the earnings on the account. Early withdrawal penalties will be imposed for early withdrawals. Rates are subject to change without notice.
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.
Loans |
Rates as low as |
APR |
Term |
New/Used Vehicle |
5.00% |
5.00% |
24 |
New/Used Vehicle |
5.10% |
5.10% |
36 |
New/Used Vehicle |
5.25% |
5.25% |
48 |
New/Used Vehicle |
5.50% |
5.50% |
54 |
New/Used Vehicle |
5.90% |
5.90% |
60 |
New/Used Vehicle |
6.50% |
6.50% |
66 |
New/Used Vehicle |
6.90% |
6.90% |
72 |
Unsecured Loans |
9.95% |
9.95% |
12-48 |
|
|
|||
Revolving Credit Loan |
13.90% |
||
Overdraft Line of Credit |
14.90% |
||
Visa Classic Credit Card |
11.90% |
||
Visa Gold Credit Card |
9.90% |
||
| Secured Shared Loans 3% above pledge share account dividend rate. Term: 1 month to 120 months |
|||
Home Equity-Fixed |
Rates as low as 5.20% for 5 years. Terms 5 years to 15 years |
||
| Call the Credit Union for more details, about the rate for 7 years to 15 years. |
|||
Rates could be reduced an additional .50% if direct deposit excluding home equity, VISA, mortgages, revolving credits, and overdrafts.
If score is below 640, .50% will be added to the home equity fixed rate.
If credit union pays fees, .75% will be added to the home equity fixed rate.
| Share Account Fees | |
| IRA Account Early Withdrawal Fee | $100.00 per withdrawal |
| Share Draft Account Fees | |
| Overdraft fee | $ 3.00 per item |
| NSF fee | $ 25.00 per item |
| Returned check fee | $ 25.00 per item |
| Stop Payment fee | $ 25.00 per request |
| Share Draft Printing fee | Price may vary depending upon style |
| Micro Film Copy fee | $ 4.00 per item |
| Other Service Fees (applicable to all accounts) | |
| Account Reconciliation fee | $ 10.00 per hour |
| Statement Copy fee | $ 1.00 per copy |
| Money Order fee | $ 1.00 per money order |
| Legal Processing fee | $ 50.00 |
| Inactive Account fee | $ 5.00 per month (after one (1)year and account under $100.00 |
| Two Party Check Fee | $2.00 |
| Wire Transfer Fee | $25.00 |
| Garnishment/Levy's Fee | $40.00 |
| Returned Item fee | $30.00 per item (after three (3) returns per month). |
| Phone Transfer Fee | $2.00 |
| Service Center Withdrawal Fee | $1.00 |
| Research Fee | $25.00 |
| Electronic Funds Transfer Fees | |
| Nonproprietary ATM Withdrawal/Transfer fee | $ 2.50per transaction |
| ATM Inquiry fee | $ 1.00 per inquiry |
| ACH/EFT Return Charge fee | $ 25.00 |
| Replace Lost or Stolen ATM or Debits Cards. |
$ 20.00 |
| Replace Lost or Stolen VISA Cards. |
$ 10.00 |
| Credit Union Membership | |
| Membership Share | $ 100.00 par value |
| Membership fee | $ 1.00 |