Teachers Credit Union Loan Rates – A Secured Share Loan is an effective way to access finance while leaving your savings intact and available for future needs. Use the loan calculator to see what your payment and interest rate might be.
A dividend approved loan allows you to borrow up to your savings rate at an exceptionally low rate of 4.79% (4.90% APR). So if you don’t want to dip into your savings but need to make the right purchase or are thinking of giving your family a gift, You can put your savings to work for you.
Teachers Credit Union Loan Rates
A structured loan is a loan where the amount borrowed is less than or equal to the value of the equity (or savings) in the member’s account.
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For example, Mary wants to borrow €5,000 if she has at least €5,000 saved in her account. She can borrow this amount at 4.90% APR.
In this case, Mary has to pledge €5,000 of her savings to attend the course. In other words, Mary’s savings of €5,000 will be secured against her loan.
*Note: If you do not pay your loan in full, your account will be debited. This can affect your credit score and limit your ability to access credit in the future. ** Loan approval available. There are terms and conditions. If you default on your loan payments, your account will go into debt. This can affect your credit score and limit your ability to access credit in the future.
Applying for a loan is now easier than ever. Login to your online bank account and apply today! More than half of adults in Ireland have a credit card. But six out of ten don’t know how much interest they pay. Although most credit card holders use their cards regularly,
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Most adults use their cards monthly for specific spending rather than making one-time purchases throughout the year. The findings were revealed in a new national survey commissioned by the Irish Psychiatric Association (ILCU).
Nearly three-quarters of adults in the survey felt that credit card companies did not do enough to explain how interest rates worked. More than two-thirds of the public agree that they don’t understand credit card interest rates. That’s important when many people don’t know where to turn when they don’t know the interest rate will increase on a credit card bill.
Mr Paul Roche, CEO of TUICU, said: “Friendly staff are always on hand to talk through complex financial terms and ensure our members understand any financial product they are using. In fact, we would encourage anyone struggling with their credit card debt to come and have a chat to see how we can help.
“We have a lack of awareness among credit card users of how much they charge and how much interest they charge. Part of our ethos at TUICU is financial literacy, so anyone struggling to overcome credit card debt, or other financial issues, is welcome to come to us for guidance.”
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Paul added: “You can rely too much on a credit card; Or for those who think they have no choice but to use the card. Encourage them to talk about group loans. Money. Our interest rate, The loan is much higher than the lowest interest rate on a credit card in Ireland.
“Our loans are approved quickly and the terms and conditions are simple and transparent with no hidden fees. Our friendly loan officers take the time to provide borrowers with all the details to ensure they understand the monthly payment and the total cost of the loan.”
In addition, TUICU also offers debt consolidation loans. The product helps members to refinance their high interest debts and consolidate all their debts into one at a fair and reasonable rate.*
Restructured payments can ease stress and make it easier for people to navigate and manage their debt in a way that fits into their everyday lives.
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