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Rates

New Autos

Effective May 1, 2021

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

New Autos (2019 and newer)
Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing

Up to 48 Months

1.99%

18.00%

$21.69 per $1,000

Up to 60 Months

1.99%

18.00%

$17.52 per $1,000

Up to 72 Months

1.99%

18.00%

$14.75 per $1,000

Up to 84 Months

2.49%

18.00%

$12.98 per $1,000

Used Autos

Effective May 1, 2021

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

Used Autos (2018 and older)
Up to 100% of Retail Kelley Blue book plus tax, title & licensing

Up to 48 Months

2.24%

18.00%

$21.80 per $1,000

Up to 60 Months

2.24%

18.00%

$17.63 per $1,000

Up to 72 Months

2.24%

18.00%

$14.86 per $1,000

Up to 84 Months

2.74%

18.00%

$13.10 per $1,000

New Recreational Vehicles

Effective February 8, 2021

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

New Recreational Vehicles (2019-2021)
Up to 100% of MSRP or Average Kelley Blue book

Up to 60 Months

3.75%

18.00%

$18.30 per $1,000

Up to 72 Months

3.99%

N/A

$15.64 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

Used Recreational Vehicles

Effective February 8, 2021

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

Used Recreational Vehicles (2018 and older)
Up to 100% of MSRP or High Blue Book

Up to 60 Months

4.00%

18.00%

$18.42 per $1,000

Up to 72 Months

4.24%

18.00%

$15.75 per $1,000

Up to 84 Months

4.24%

N/A

$13.78 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

Personal Loans

Effective February 8, 2021

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

Signature Loans

Up to 12 Months

7.75%

18.00%

$86.87 per $1,000

Up to 24 Months

7.99%

18.00%

$45.22 per $1,000

Up to 36 Months

8.45%

18.00%

$31.57 per $1,000

Share Secured Loans

Up to 60 Months

3.50% + Current rate paid on share or CD

Line of Credit

Effective January 1, 2018

Type

Features

APR*

Apply

Line of Credit Signature

Overdraft Protection

11.90%

Apply Now

Credit Cards

Effective January 1, 2018

Credit Card Types

Annual Fee

APR*

Apply

Platinum Visa

No Annual Fee

11.90%

Apply Now

Classic Visa

No Annual Fee

14.90%

Apply Now

Student Visa

No Annual Fee

15.90%

Apply Now

Secure Solar Loan Rates

Effective August 17, 2020

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

3.75%

Up to 120 months

$10.01 per $1,000

$25,001 - $45,000

3.99%

Up to 180 months

$7.39 per $1,000

$45,001 - $150,000

4.25%

Up to 240 months

$6.19 per $1,000

PRIMARY RESIDENCE: Loan to Value 86% - 100%

$5,000 - $25,000

3.99%

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

4.50%

Up to 240 months

$6.33 per $1,000

PRIMARY RESIDENCE: Loan to Value 101% - 105%

$5,000 - $25,000

4.25%

Up to 120 months

$10.24 per $1,000

$25,001 - $45,000

4.50%

Up to 180 months

$7.65 per $1,000

$45,001 - $150,000

4.99%

Up to 240 months

$6.59 per $1,000

NON-OWNER OCCUPIED: Loan to Value up to 80%

$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

NON-OWNER OCCUPIED: Loan to Value 81% - 90%

$5,000 - $25,000

4.75%

Up to 120 months

$10.48 per $1,000

$25,001 - $50,000

5.00%

Up to 180 months

$7.91 per $1,000

Unsecure Solar Loan Rates

Effective January 1, 2018

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

Savings Rates

Effective August 1, 2020

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

Share and IRA Certificates

Effective April 1, 2021

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

0.20%

0.20%

Monthly

18 Months

Fixed

$1,000

$1,000

0.30%

0.30%

Monthly

24 Months

Fixed

$1,000

$1,000

0.35%

0.35%

Monthly

36 Months

Fixed

$1,000

$1,000

0.45%

0.45%

Monthly

48 Months

Fixed

$1,000

$1,000

0.45%

0.45%

Monthly

60 Months

Fixed

$1,000

$1,000

0.70%

0.70%

Monthly

Rate Discount: The as low as rates include a .50% rate discount for Auto Loans, Recreational 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.

*APR = Annual Percentage Rate. The 1.99% is on the purchase or refinance of a new vehicle, which includes a .50% discount 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 loans. Offer ends 6/30/2021. Interest rate is determined based on FICO score, age of the vehicle, term, and Loan to Value. Payment example: monthly payment is $17.52 per $1,000 on a 5-year loan at 1.99% APR. Other restrictions may apply.

*APY = Annual Percentage Yield. Member accounts are insured to $250,000 by the National Credit Union Administration, an agency of the Federal Government.