Rates
Deposits
Loans
Checking
Credit Cards
Member Advantage
under $500
$500 & over
HSA Share Draft
All Balances
Dividend Rate
2.46%
0.00%
Dividend Rate
0.40%
APY
2.49%
0.00%
APY*
0.40%
*
All cards offer, 25 day grace period and automatic payments.
Card
Visa Platinum
APR* As Low As
(special photo card option)
8.24%
Visa Secured
16.99%
Consumer Loans
Savings
Member Advantage
$0 - $500
$500 & over
Early Savers
$0 - $500
$500 & over
Dividend Rate
2.46%
0.10%
Dividend Rate
2.46%
0.10%
APY*
2.49%
0.10%
APY*
2.49%
0.10%
Dividend Rate
0.15%
APY*
0.15%
Money Market
Balance
$100+
Certificates & IRA Certificates
Available in terms from 6 months to 5 years. Youth certificates
also available. Call for rates or visit our website.
Business Interest Checking
Dividends of 0.15% APYǂ paid on checking balances.
Autos
APR* As Low As
New Autos
1.99%**
Used Autos
Other Vehicles (New & Used)
2.24%**
APR* As Low As
Watercrafts/RVs
Motorcycles
Travel Trailers
Other Loans
5.99%***
8.99%***
6.50%***
APR* As Low As
Personal Line of Credit
10.65%
3.00% over share dividend
rate of collateral account
2.00% over share dividend
rate of collateral account
10.15%***
5.49%-7.24%ǂǂ
Share Secured
Share Certificate Secured
Signature Loan
Private Student Loan
Home Loans
Home loans are available with a variety of terms to choose from.
Call a Home Loan Specialist today!
ǂ APY=Annual Percentage Yield. Yield, terms, and conditions are subject
to change without notice. 2.49% rate only available on your primary savings account.
* APR=Annual Percentage Rate. Rates, terms and conditions are subject to
change without notice. The APR will be determined by your credit worthiness.
** Rates include enrollment in Member Advantage program. Rates are .25% higher
without enrollment in the Member Advantage program. Auto rate does not apply to vehicles older than 8 model years. Qualifying vehicle loans over $30,000 with terms longer than
72 months are subject to a one percent higher percentage rate. 1.99% APR limited to 72 month
term for new and for used autos.
*** Rates are .5% higher without automatic payment option and Member Advantage status.
ǂǂ After account opening, APR may vary each quarter based on changes in the Prime Rate as published in
the Wall Street Journal, but may not be lower than 5.49% APR or exceed 18% APR. Actual loan rate may
be higher than the lowest advertised rate, based on applicant and co-applicant’s credit qualifications. Loans are
subject to credit approval, meeting and maintaining certain eligibility criteria and enrollment at an accredited, approved school and education program.
gtefinancial.org
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The following disclosure represents important details concerning GTE Financial credit cards. The information about costs of the card
are accurate as of April 1, 2015. You can contact us at 813.871.2690 or 888.871.2690 or P.O. Box 172599, Tampa, FL 33672-0599 to
inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers
Paying Interest
Minimum Interest Charge
For Credit Card Tips from the
Federal Reserve Board
PLATINUM
8.24%, to 17.99%
depending on your creditworthiness. APR will
vary with the market based on the Prime Rate.
SECURED
16.99%
Your due date is at least 21 days after the close of each billing cycle. We will not charge
you interest on purchases if you pay your entire balance by the due date each month. We
will begin charging interest on cash advances and balance transfers on the transaction date.
If you are charged interest, the charge will be no less than $0.50.
To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
FEES:
Fees to Open or Maintain your
Account
– Annual Fee:
– Visa Platinum
– Visa Secured
– Visa Platinum with
CURewards
– Application Fee:
Transaction Fees
– Convenience Check:
– Balance Transfer:
– Cash Advance:
– Foreign Transaction
Penalty Fees
– Late Payment:
– Over-the-Credit Limit:
– Returned Payment:
None
None
None
$25.00*
None
None
None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion
Up to $25.00 for the first offense, $35.00 for each additional offense until 6 consecutive
on-time payments are received.
None
Up to $25.00 if your payment is returned for any reason
*An annual fee for your Visa Platinum with CURewards card will be charged initially after the first 90 days and annually thereafter. The annual fee will be waived for Member Advantage Program
members. For more information about Member Advantage refer to www.gtefinancial.org/MemberAdvantage. Visit www.gtefinancial.org/programrules for CURewards rules and conditions.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Other Fees:
Payment by GTE Online Banking, Pay My Bill:
Payment by CFC Transaction (from checking):
Payment by Mail to Processing Center:
Rush PIN Fee:
Statement Copy:
Rush Card Fee:
Card Replacement Fee:
Payment By Processor:
Immediate Payment Fee:
Convenience Check Copy Fee:
Returned Convenience Check:
Convenience Check Stop Payment Request:
**Fee waived for Member Advantage program members.
Free
Free
Free
$15.00 (Available free if completed in branch)
$1.00
$15.00
$6.95**
$5.00
$3.00
$1.00
Up to $25.00 if a convenience check if declined for any reason
Up to $29.00 if you stop payment of a convenience check for any reason
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