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Mortgage: 1APR = Annual Percentage Rate. Limited time offer is effective July 1, 2016, and subject to change without notice. All loans are subject to credit approval and program guidelines. Rates are based on creditworthiness, so your rate may differ. Member pays no closing costs. Promotional 3.50% APR does not include items such as prepaid interest, optional owner’s title insurance, and optional escrow services, which could increase the effective APR. Loan must be for a primary residence, in first lien position, with a maximum loan to value ratio of 80%, max debt to income ratio of 38%. Mortgage loan payment example: $100,000 mortgage for a term of 240 months (20 years) at 3.50% APR will result in a monthly payment of $579.96. Payment example does not include amounts for taxes and insurance. The monthly obligation will be greater if taxes and insurance are included, and an initial customer deposit may be required if an escrow account for these items is established. All terms and conditions are subject to change without notice. Existing Kentucky Telco mortgage loans do not qualify. Past or present credit history including items such as liens, bankruptcy, charge-offs, delinquent accounts, or multiple slow payments exceeding 60 days, do not qualify for the promotional mortgage program terms. Other restrictions may apply. Contact us for additional details at (800) 292-9490.
Auto: 1APR = Annual Percentage Rate. Rate may vary based on credit profile, vehicle age, & loan term. Lowest loan rate at 2.14% APR financed over 60 month term is for 2015-2016 model year autos, includes a .25% discount for automatic payment, a .25% discount for 20% equity in vehicle, and no payment for the first 90 days. Payment example based on the terms above: Estimated monthly payment for auto loan of $20,000 at 2.14% APR for 60 month term is $351.81. 2If qualified, first payment due 90 days after close of auto loan. Interest will continue to accrue up to first payment date. Offer cannot be combined with any other offer. Existing Kentucky Telco auto loans do not qualify. Rates effective July 1, 2016. All rates, terms, and conditions subject to change without notice. All loans subject to approval. Other restrictions may apply.
News & Events
We’re Keeping You Safe With Our New Fraud Monitoring Service!
In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud.
Here’s how it works:
- When potential fraud is detected, you will receive an automatic email notification from Kentucky Telco Credit Union, with the option to reply with “fraud” or “no fraud.”
- One minute after the email, you will receive a text alert from 32874 between 7 am and 9 pm, which also has the “fraud” or “no fraud” option. *See below.
- If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.
Remember–our messages will never ask for your PIN or account number.
* The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it “Fraud Center,” it will display whenever you get a call from this number.
Our branches will be closed to observe:
Monday, July 4, 2016
Monday, September 5, 2016