Dividends are paid from available earnings. Dividends are declared and rates set the last month of every quarter at the monthly Board of Directors meeting. Payment of dividends are not guaranteed to be paid every quarter.
The Board of Directors of Team & Wheel Federal Credit Union declare quarterly dividends during the last month of each quarter, to be posted to member accounts on the last day of the quarter.

Federally insured by NCUA

APY= annual percentage yield
Rates effective as of 1/1/17 and are subject to change without notice. 

  Dividend Rate APY Min. Open Min Avg. Daily Bal. to earn Div.
REGULAR SHARES .05% .05% 20.00 300.00
CHRISTMAS CLUB .00% .00% 5.00 100.00
VACATION CLUB .00% .00% 5.00 100.00
IRA .25% .25% 25.00 100.00
*Fees could reduce the earnings of the account.

Share Certificates

Until further notice, the credit union has no CD offerings.  All maturing share certificates of deposit will automatically be deposited into your regular share account.

Loan Rates
The following disclosure applies to all Sub-Accounts except Share Secured and Certificate Secured.  The Annual Percentage Rate (APR) you receive will be within the range disclosed below and is based on your credit worthiness.  Please call the credit union to see what rate you qualify for.

Contact Team & Wheel for Current Rates
Personal Line of Credit Over Draft Line of Credit New Auto, Truck & RV’s
Used Auto, Truck & RV’s New Recreational Vehicle Used Recreational Vehicle
New Motorcycle Used Motorcycle VISA Credit Card
New Small Equipment Share Secured  
3% above Index
Certificate Secure
3% above Index


The rates for Share Secured and Certificate Secured Loans may change after the loan is obtained. 
Contact the Credit Union for more information