Explore Our Business Rates
and Other Service Fees

We offer a range of commercial loan options with flexible terms and affordable rates, so you can secure the financing you need to support your company's growth and success.

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Business Rate Schedule

Effective: 10/07/2024

Account Type		Dividends				Balance Requirements
	Balance Range for Tiered Accounts	Dividend Rate/ Annual Percentage Yield (APY)	Dividends Compounded	Dividends Credited	Dividend Period	Minimum Opening Deposit	Minimum Balance to Avoid a Service Fee	Minimum Balance to Earn the Stated APY	Balance Method
Prime Share Account		.10%/.10%	Monthly	Monthly	Monthly (calendar)	$5.00	---	$100.00	Daily Balance
Money Market Club Account	$1,000 to <$10,000 $10,000 to <$50,000 $50,000 to <$100,000 $100,000+	1.70%/1.71% 1.80%/1.81% 1.90%/1.92% 2.00%/2.02%	Monthly	Monthly	Monthly (calendar)	---	$1,000 $10,000 $50,000 $100,000	Average Daily Balance
Basic Checking		N/a	N/a	N/a	N/a	---	$500.00	N/a	N/a
Deluxe Checking		N/a	N/a	N/a	N/a		$1,000.00	N/a	N/a
Premium Checking	$1,000 to <$10,000 $10,000 to <$50,000 $50,000 to <$100,000 $100,000+	.30%/.30% .35%/.35% .45%/.45% .55%/.55%	Monthly	Monthly	Monthly (calendar)	---	$15 Monthly Fee Applies	$1,000 $10,000 $50,000 $100,000	Average Daily Balance

Loan Type	ANNUAL PERCENTAGE RATE (AS LOW AS)	Term Limitations	Amount
Residential Real Estate (non-owner occupied) 1st Lien	7.00%	5 years; 20 years amortization. Single or multi-family (up to 4 units) 80% LTV lower of the cost or appraised value	$1,000,000
Commercial Real Estate 1st Lien	7.00%	5 years; 20 years amortization. 80% LTV lower of the cost or appraised value	$2,000,000
Residential Real Construction (non-owner occupied) 1st Lien	7.00%	5 years; 20 years amortization. 9 months interest only at locked rate. 80% LTV lower of the cost or appraised value	$1,000,000
Commercial Construction 1st Lien	7.00%	5 years; 20 years amortization. 12 months interest only at locked rate. 80% LTV lower of the cost or appraised value	$2,000,000
Land	X	We do not grant land loans but will consider land as collateral. Max LTV 65%	X
Commercial Vehicle (title secured)	7.25% .50% for each year in excess of 5	Lesser of 8 years or remaining useful life. 75% of Retail Value	$200,000
Bus Loans New or Used	7.25% .25% for each year in excess of 5	Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65%	$110,000
Equipment	7.25% .50% for each year in excess of 5	Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65%	$100,000
Working Capital Line of Credit	Prime+2% floating	Draws limited to 1 year. Annual extension available. Requires 30 day resting period.	$100,000 revolving or term
Visa Platinum	11.50%	Reviewed annually. Payment equal to 2.00% of balance calculated monthly $50 minimum payment.	$25,000 revolving
Share Secured	3.00% above share rate	Up to 10 years depending on amount borrowed. 95% LTV 105% pledge	Up to Share Balance

Other Service Fees

OTHER SERVICE FEES
Account Research	$25.00/hour or fraction thereof
ATM Withdrawal Fee	$2.00/each ~after 8 free per month (unlimited free withdrawals at all TFCU owned ATMs)
Attachment (tax, levy, garnishment)	$50.00/each
Bad Address on Accounts	$10.00/for initial and $5.00 per month thereafter

Coin & Currency Services
Basic Checking Deluxe Checking Premium Checking	Free at the ETM. The following fees apply if processed by a staff member: Free up to $1,000/mth, 0.15% thereafter Free up to $5,000/mth, 0.15% thereafter Free up to $10,000/mth, 0.15% thereafter

Coin & Currency
Services

Basic Checking

Deluxe Checking

Premium Checking

Free at the ETM. The
following fees apply if
processed by a staff
member:
Free up to $1,000/mth,
0.15% thereafter
Free up to $5,000/mth,
0.15% thereafter
Free up to $10,000/mth,
0.15% thereafter

Check Cashing
On-Us by Non-Member	>$100 $8 each

Copies
Check Copy (Share Draft or Cashier’s Check) Deposit Item	$3.00/each $3.00/each

Copies

Check Copy (Share
Draft or Cashier’s
Check)
Deposit Item

$3.00/each

Dormant Accounts
Share Balances <$800; no other share or loan balances; no activity for 1 year.	$5.00/month

Item Processing Fees
Basic Checking	Up to 25 free checks paid, then $.10 each Up to 25 free deposit items, then $.10 each
Deluxe Checking	Up to 50 free checks paid, then $.10 each Up to 50 free deposit items, then $.10 each
Premium Checking	Up to 100 free checks paid, then $.10 each Up to 100 free deposit items, then $.10 each

Monthly Maintenance Fee
Basic Checking	$5.00 per month (applied only if average daily balance falls below $500)
Deluxe Checking	$7.50 per month (applied only if average daily balance falls below $1,000)
Premium Checking	$15.00 per month
Notary	Free

Returned Items
NSF and Returned Item	$30.00/each Share Draft, ACH, ATM, POS overdraft
NSF and Returned Item*	$30.00/each Bill Pay
Returned Deposit Item (3rd Party and Loan Payment	$35.00/each Zelle, Account Transfer $10.00/each
Reopen Checking Account	$30.00/occurrence
Prime Share Withdrawals (staff assisted)	4 free each month. $1.00 each additional
Short-Term Account History	$1.00/page

Statements
Electronic	Free
Paper Mailed	$1.00/each
Copy	$1.00/page

Stop Payment Order
Checks, ACH	Free on online banking or audio response (checks only); staff assisted $20.00/each
Zelle, Account Transfer	Self-service $15; staff assisted $20/each
Telephone Transfers (Staff Assisted)	$8.00/each (does not apply to loan payments)

Wire Transfers
Incoming	$8.00/each
Outgoing	$20.00/each (Domestic)
Overdraft Protection Transfer from Prime Share	$3.00/each

Debit/Credit Cards

Replacement Card	$5.00/each
Replacement PIN	$3.00/each
VISA International Service Assessment (ISA)	1% of transaction amount on international single and multi currency transactions
Cardholder Dispute where it’s determined that Cardholder is responsible	$25/each item

ONLINE ACCOUNT ACCESS

On-Line and Mobile Banking	Free
Bill Pay	$0.65/each item
Bill Pay Proof of Payment Order	$20.00/each

Any member requesting special services that are beyond the scope of Tidemark FCU’s normal business practices will be charged for any direct costs associated with those services. Fees are subject to change by Board action.

* These are 3rd party fees charged to us that are passed through to the member.

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Commercial Loan

Frequently Asked Questions

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You Become a Member-Owner

We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.

Your Money is Insured & Protected

Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.

Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.

Explore Our Business Rates and Other Service Fees