PDF Free Telephone Banking Small Business Services & Loans

Free Telephone Banking ? Convenient access to

your account 24/7. Transfer funds, check balances, verify your payroll or see if a check has cleared.

Mobile Banking ? Access your credit union

accounts anywhere, anytime with your smart phone. ? Transfer funds or send a P2P ? Check your balances and transactions

Sign-up for Mobile Banking on our Online Banking site, then download the app on your smart phone. Mobile Banking is free* to all online banking members. Signing up is easy. Simply activate Mobile Banking by checking the box during the online banking enrollment process. If you are already enrolled in our system, you may sign up for Mobile Banking under the "Options" menu in Online Banking. Then log in on your phone's web browser or app and you're ready to go!

Mobile Check Deposit Service ? Mobile Check

Deposit is a technology that permits members to deposit a check using their mobile phones. Members take a picture image of the paper check sending it via the mobile phone to the credit union for deposit.

Additional Services

? Lockbox ? Coin and Currency Services ? Wire Transfers ? Safe Deposit Boxes at select TFCU branches ? Direct Deposit ? Payment Processing ? Merchant Processing

We're Here For You

Since 1952, Teachers Federal Credit Union has been providing its members with friendly, personal service throughout Long Island. And TFCU is committed to providing excellent service, superior rates and convenient access as well as offering a full array of financial products and services to meet the needs of its members.

Contact TFCU for current rates and terms at or for more information:

Call: (631) 698-7000, Ext. 1687

Email: business@

Main Office: 102 Motor Parkway, Hauppauge, NY 11788

631-698-7000 ? 1-800-341-4333*



Saving For Your Future Savings Accounts Money Market Accounts Certificate Accounts Health Savings Accounts Holiday and Vacation Clubs Educated Choice Program Individual Retirement Accounts US Savings Bonds

The Smart Choice For Loans New/Used Vehicle Loans & Leasing Visa? Platinum and Classic Credit Cards Fixed and Adjustable Rate Mortgages Home Equity Loans and Lines of Credit Personal Loans Education Loans

Easy Access Free Checking + Interest Free Online Banking & Bill Paying Free E-Statements & E-Notices Free Mobile Banking Free Mobile Check Deposit Service Free Telephone Banking Free Visa? Check Card Payroll Deduction and Direct Deposit Worldwide ATM Access

Small Business Accounts & Loans Business Savings Accounts Business Money Market Accounts Business Certificate Accounts Business Checking + Interest Free Online Banking & Bill Paying Free E-Statements & E-Notices Free Telephone Banking Free Visa? Check Card Visa? Business Credit Card SBA Loans/Term Loans Lines of Credit Commercial Mortgages & Vehicle Loans

* Outside of the Long Island, Westchester and New York Metro areas.

EQUALOPPORTUNITYLENDER

Your savings are federally insured to at least $250,000 by the National Credit Union

Administration, a U.S. government agency.

7/16 B16

All rates and terms are subject to change without notice.

Small Business Services & Loans

Helping You Succeed!



Business Accounts & Loans to help your business grow.

Reach New Heights With TFCU

Your business and its needs are unique. TFCU's Business Checking accounts and Business Loans are designed to provide members with the basic financial services that are so important to a successful business.

TFCU is looking out for you. As a not-for-profit cooperative, we return earnings to members in the form of higher dividends and lower loan rates -- giving your company more cash to do business.

The business products and services we offer make it simple for you to handle vendor costs, pay bills, meet payroll and earn competitive rates on your cash. And you'll find our accounts often come with more benefits and fewer or no fees compared to business accounts at banks.

TFCU's offers financial services to all people and businesses located in Nassau and Suffolk Counties.* TFCU's business accounts are suitable for: Qualified Sole Proprietorships, Partnerships, Unincorporated Associations and Corporations.

Business Deposit Accounts

Business Checking Account ? Earn interest on balances of $2,500 or more. Maintain a monthly balance of $5,000 or more, and your business checking account is FREE. 100 FREE transactions (combined debits and credits) per month.

Business Savings Account ? Gives you maximum access and your money is always available to you.

Business Certificate Account ? If you're interested in a guaranteed, worry-free investment, TFCU offers a full range of certificate accounts with various terms.

Business Money Market Account ? Get complete flexibility, liquidity and safety as well as a high rate of return and easy access to your money with special checks.

* Subject to membership eligibility.

Business Loans

Requirements for Business Loans

A minimum of one-year business longevity is required for all business loans except Small Business Administration (SBA) loans. Business owners must be members or eligible for membership at TFCU and must provide personal guarantees for loan requests. Loans are subject to credit approval. Rates and terms are subject to change. For more information, call: (631) 698-7000, extension 1687 or email business@.

Visa Business Credit Card

The card designed in your best interest can help you manage all your business expenses better, and you'll enjoy more travel opportunities with your TFCU Visa Business Card. ? Maximum credit line: $35,000. ? Variable Interest Rate: Prime + 6%, adjusted quarterly. ? No annual fee. ? One-year business longevity required.

Business Vehicle Financing

You can apply for business vehicle financing for a business vehicle that will be titled and registered in your business' name. ? Loan amounts from $5,000 - $250,000 ? Interest rate is prime rate (fixed) for new vehicles

with a loan term of 1 -5 years ? Interest rate is prime rate (fixed) + .25% for new vehicles

with a loan term of 6-7 years ? Interest rate is prime rate (fixed) + .25% for used

vehicles with a loan term of 1 -5 years ? Interest rate is prime rate (fixed) + .50% for used

vehicles with a loan term of 6-7 years ? New and used business vehicles are eligible ? Maximum loan to value for all vehicles is 80% ? Used vehicles will be limited to a maximum age of

5 years including the current model year ? Minimum of one year business longevity required

Line of Credit

Pay off short-term payables or use it as overdraft protection on a business checking account. ? Maximum line of credit: $250,000 ? Variable interest rate: prime rate + Margin,

adjusted quarterly. ? $500 packaging fee for line of credit loans $100,001

and above.

Closed-end Loan

? Maximum loan: $500,000 ? Variable interest rate: prime rate + Margin,

adjusted quarterly. ? $500 packaging fee for loans $100,001 and above.

Commercial Mortgages

Finance commercial real estate purchases or refinances. If you want to purchase or refinance a shopping center, office building, medical condominium, or any type of commercial real estate, TFCU can provide you with a commercial mortgage with flexible terms. Maximum loan: $5,000,000. Contact TFCU for current rates and terms. SBA 504 loans available.

Small Business Administration Loans

Designed for small businesses in need of working capital or funds to purchase inventory, machinery or equipment. Through our partnership with the US Small Business Administration (SBA) and its guaranteed loan programs, TFCU is approved to offer SBA 7a business loans and SBA Express business loans and business lines of credit to our members.

Uses: ? Fund a startup business. ? Finance a business acquisition. ? Provide working capital for a business that can be

used to purchase necessary machinery, equipment, supplies or inventory.

Benefits: ? Less paperwork for you to fill out with SBA

Express loans. ? Improve business cash flow. ? Quicker access to the funds you need. ? Minimum one-year business longevity requirement

does not apply on SBA loans. ? Fixed rates available.

24/7 Access & Business Services

Free Check Card ? TFCU's Visa? Check Card is

free, fast and convenient. Pay right from your business checking account anywhere Visa? cards are welcome or use it at ATMs worldwide.

Free Online Banking ? Check balances, review

account activity, transfer money, make TFCU loan payments and more. It's safe and secure.

Free Online Bill Payer ? Save time and money --

pay your bills online at your convenience, schedule recurring payments and track payments any time of the day or night.

Free E-Statements & E-Notices ? Get your

statement faster online than by mail and set up automatic notifications of account activity.

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