Loan Type | Loan Term | APR* as low as | APR* To | Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
New Autos (2021 and newer) | Up to 48 Months | 3.25% | 18.00% | $22.25 per $1,000 |
Up to 60 Months | 3.25% | 18.00% | $18.08 per $1,000 | |
Up to 72 Months | 3.25% | 18.00% | $15.31 per $1,000 | |
Up to 84 Months | 4.00% | 18.00% | $13.68 per $1,000 |
Loan Type | Loan Term | APR* as low as | APR* To | Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
Used Autos (2020 and older) | Up to 48 Months | 3.75% | 18.00% | $22.48 per $1,000 |
Up to 60 Months | 3.75% | 18.00% | $18.31 per $1,000 | |
Up to 72 Months | 3.75% | 18.00% | $15.54 per $1,000 | |
Up to 84 Months | 4.50% | 18.00% | $13.91 per $1,000 |
Loan Type | Loan Term | APR* as low as | APR* To | Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
New Recreational Vehicles (2020 and newer) | Up to 60 Months | 3.75% | 16.25% | $18.31 per $1,000 |
Up to 72 Months | 3.99% | 16.50% | $15.65 per $1,000 | |
Up to 84 Months | 3.99% | N/A | $13.66 per $1,000 | |
Up to 96 Months | 5.00% | N/A | $12.66 per $1,000 | |
Up to 120 Months | 5.25% | N/A | $10.73 per $1,000 | |
Up to 144 Months | 5.75% | N/A | $9.63 per $1,000 | |
Up to 180 Months | 6.00% | N/A | $8.44 per $1,000 |
Loan Type | Loan Term | APR* as low as | APR* To | Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
Used Recreational Vehicles (2019 and older) | Up to 60 Months | 4.00% | 18.00% | $18.42 per $1,000 |
Up to 72 Months | 4.24% | 18.00% | $15.76 per $1,000 | |
Up to 84 Months | 4.24% | N/A | $13.79 per $1,000 | |
Up to 96 Months | 5.25% | N/A | $12.78 per $1,000 | |
Up to 120 Months | 5.50% | N/A | $10.85 per $1,000 | |
Up to 144 Months | 6.00% | N/A | $9.76 per $1,000 | |
Up to 180 Months | 6.25% | N/A | $8.57 per $1,000 |
Loan Type | Loan Term | APR* as low as | APR* To | Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
Signature Loans | Up to 12 Months | 7.75% | 18.00% | $86.89 per $1,000 |
Up to 24 Months | 7.99% | 18.00% | $45.24 per $1,000 | |
Up to 36 Months | 8.49% | 18.00% | $31.58 per $1,000 | |
Share Secured Loans | Up to 60 Months | 3.50% + Current rate paid on share or CD | ||
Type | Features | APR* | Apply |
|---|---|---|---|
Line of Credit Signature | Overdraft Protection | 11.90% |
Type | Amount Financed | Interest Rate* | Term | Est. Monthly payment based on "as low as" rate |
|---|---|---|---|---|
PRIMARY RESIDENCE: Loan to Value up to 85% | $5,000 - $25,000 | 3.50% | Up to 84 months | $13.44 per $1,000 |
$25,001 - $45,000 | 3.83% | Up to 180 months | $7.31 per $1,000 | |
$45,001 - $150,000 | 4.00% | Up to 240 months | $6.06 per $1,000 | |
PRIMARY RESIDENCE: Loan to Value 86% - 100% | $5,000 - $25,000 | 3.83% | Up to 120 months | $7.31 per $1,000 |
$25,001 - $45,000 | 4.00% | Up to 180 months | $7.52 per $1,000 | |
$45,001 - $150,000 | 4.25% | Up to 240 months | $6.19 per $1,000 | |
PRIMARY RESIDENCE: Loan to Value 101% - 105% | $5,000 - $25,000 | 4.00% | Up to 120 months | $10.12 per $1,000 |
$25,001 - $45,000 | 4.25% | Up to 180 months | $7.52 per $1,000 | |
$45,001 - $150,000 | 4.83% | Up to 240 months | $6.51 per $1,000 | |
NON-OWNER OCCUPIED: Loan to Value up to 80% | $5,000 - $25,000 | 4.25% | Up to 120 months | $10.24 per $1,000 |
$25,001 - $50,000 | 4.50% | Up to 180 months | $7.65 per $1,000 | |
NON-OWNER OCCUPIED: Loan to Value 81% - 90% | $5,000 - $25,000 | 4.50% | Up to 120 months | $10.36 per $1,000 |
$25,001 - $50,000 | 4.75% | Up to 180 months | $7.78 per $1,000 |
Type | Amount Financed | Interest Rate* | Term | Est. Monthly payment based on "as low as" rate |
|---|---|---|---|---|
Unsecure Solar Loan | $0 - $10,000 | 6.50% | Up to 84 months | $14.85 per $1,000 |
$10,001 - $30,000 | 7.50% | Up to 120 months | $11.87 per $1,000 | |
$30,001 - $50,000 | 8.50% | Up to 180 months | $9.85 per $1,000 |
Account | Rate Type | Min Opening Balance | Min to Earn Dividend | Dividend Rate | APY* | Dividend Declaration Date |
|---|---|---|---|---|---|---|
Share Savings | Variable | $25 | $25 | 0.05% | 0.05% | Monthly |
Checking | Variable | $25 | $0 | 0.00% | 0.00% | Monthly |
Money Market | Variable | $2,500 | $2,500 | 0.10% | 0.10% | Monthly |
Holiday Savings | Variable | $25 | $25 | 0.05% | 0.05% | Monthly |
IRA Share Savings | Variable | $50 | $5 | 0.05% | 0.05% | Monthly |
HSA Accounts | Variable | $0 | $5 | 0.05% | 0.05% | Monthly |
Account | Rate Type | Min Opening Balance | Min to Earn Dividend | Dividend Rate | APY* | Dividend Declaration Date |
|---|---|---|---|---|---|---|
3 Months | Fixed | $1,000 | $1,000 | 0.10% | 0.10% | Monthly |
6 Months | Fixed | $1,0000 | $1,000 | 0.10% | 0.10% | Monthly |
12 Months | Fixed | $1,000 | $1,000 | 0.10% | 0.10% | Monthly |
18 Months | Fixed | $1,000 | $1,000 | 0.10% | 0.10% | Monthly |
24 Months | Fixed | $1,000 | $1,000 | 0.15% | 0.15% | Monthly |
36 Months | Fixed | $1,000 | $1,000 | 0.20% | 0.20% | Monthly |
48 Months | Fixed | $1,000 | $1,000 | 0.20% | 0.20% | Monthly |
60 Months | Fixed | $1,000 | $1,000 | 0.20% | 0.20% | Monthly |
Account | Rate Type | Min Opening Balance | Min to Earn Dividend | Dividend Rate | APY* | Dividend Declaration Date |
|---|---|---|---|---|---|---|
3 Months | Fixed | $1,000 | $1,000 | 0.10% | 0.10% | Monthly |
6 Months | Fixed | $1,000 | $1,000 | 0.10% | 0.10% | Monthly |
12 Months | Fixed | $1,000 | $1,000 | 0.15% | 0.15% | Monthly |
18 Months | Fixed | $1,000 | $1,000 | 0.20% | 0.20% | Monthly |
24 Months | Fixed | $1,000 | $1,000 | 0.25% | 0.25% | Monthly |
36 Months | Fixed | $1,000 | $1,000 | 0.30% | 0.30% | Monthly |
48 Months | Fixed | $1,000 | $1,000 | 0.30% | 0.30% | Monthly |
60 Months | Fixed | $1,000 | $1,000 | 0.40% | 0.40% | Monthly |
*APR = Annual Percentage Rate. The as low as rates include a .50% discount for Auto Loans, Recreations Vehicles, and Personal Loans when enrolled in two of the following: Digital Banking, e-Statements, Direct Deposit, or Automatic Transfers. A discounted rate may be discontinued without notice if qualifying products are canceled. Rates are not available for refinancing existing TCFCU auto and Recreational Vehicle loans. Interest rate is determined based on FICO score, age of the vehicle, term, and Loan to Value. MBI (Mechanical Breakdown Insurance) and GAP (Guaranteed Auto Protection) available; excluding Utility and Horse Trailers. Other restrictions may apply. Rates are subject to change without notice
*APY = Annual Percentage Yield. Member accounts are insured to $250,000 by the National Credit Union Administration, an agency of the Federal Government.
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