Rates
New Autos
Effective November 20, 2024
|
Loan Type |
Loan Term |
APR* as low as |
APR* To |
Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
|
New Autos (2022 and newer) |
Up to 48 Months |
4.89% |
18.00% |
$23.16 per $1,000 |
|
Up to 60 Months |
4.89% |
18.00% |
$18.97 per $1,000 |
|
|
Up to 72 Months |
5.59% |
18.00% |
$16.53 per $1,000 |
|
|
Up to 84 Months |
5.84% |
18.00% |
$14.67 per $1,000 |
Used Autos
Effective November 20, 2024
|
Loan Type |
Loan Term |
APR* as low as |
APR* To |
Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
|
Used Autos (2021 and older) |
Up to 48 Months |
5.39% |
18.00% |
$23.41 per $1,000 |
|
Up to 60 Months |
5.39% |
18.00% |
$19.22 per $1,000 |
|
|
Up to 72 Months |
6.09% |
18.00% |
$16.78 per $1,000 |
|
|
Up to 84 Months |
6.34% |
18.00% |
$14.93 per $1,000 |
New Recreational Vehicles
Effective September 1, 2024
|
Loan Type |
Loan Term |
APR* as low as |
APR* To |
Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
|
New Recreational Vehicles (2023 and newer) |
Up to 60 Months |
6.75% |
18.00% |
$19.74 per $1,000 |
|
Up to 72 Months |
7.00% |
18.00% |
$17.10 per $1,000 |
|
|
Up to 84 Months |
7.50% |
N/A |
$15.39 per $1,000 |
|
|
Up to 96 Months |
8.25% |
N/A |
$14.32 per $1,000 |
|
|
Up to 120 Months |
8.75% |
N/A |
$12.58 per $1,000 |
|
|
Up to 144 Months |
9.25% |
N/A |
$11.57 per $1,000 |
|
|
Up to 180 Months |
9.50% |
N/A |
$10.49 per $1,000 |
Used Recreational Vehicles
Effective September 1, 2024
|
Loan Type |
Loan Term |
APR* as low as |
APR* To |
Est. Monthly Payment based on “as low as” Rate |
|---|---|---|---|---|
|
Used Recreational Vehicles (2022 and older) |
Up to 60 Months |
7.00% |
18.00% |
$19.86 per $1,000 |
|
Up to 72 Months |
7.25% |
18.00% |
$17.23 per $1,000 |
|
|
Up to 84 Months |
7.75% |
18.00% |
$15.52 per $1,000 |
|
|
Up to 96 Months |
8.50% |
N/A |
$14.45 per $1,000 |
|
|
Up to 120 Months |
9.00% |
N/A |
$12.72 per $1,000 |
|
|
Up to 144 Months |
9.50% |
N/A |
$11.72 per $1,000 |
|
|
Up to 180 Months |
9.75% |
N/A |
$10.64 per $1,000 |
Personal Loans
Effective May 1, 2023
|
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 |
9.25% |
18.00% |
$87.89 per $1,000 |
|
Up to 24 Months |
9.75% |
18.00% |
$46.21 per $1,000 |
|
|
Up to 36 Months |
10.25% |
18.00% |
$32.52 per $1,000 |
|
|
Share Secured Loans |
Up to 60 Months |
5.50% + 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% |
Secure Solar Loan Rates
Effective November 17, 2022
|
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 |
6.25% |
Up to 84 months |
$14.74 per $1,000 |
|
$5,000 - $25,000 |
6.50% |
Up to 120 months |
$11.36 per $1,000 |
|
|
$25,001 - $45,000 |
6.75% |
Up to 180 months |
$8.86 per $1,000 |
|
|
$45,001 - $150,000 |
8.00% |
Up to 240 months |
$6.37 per $1,000 |
|
|
PRIMARY RESIDENCE: Loan to Value 86% - 100% |
$5,000 - $25,000 |
6.75% |
Up to 120 months |
$11.49 per $1,000 |
|
$25,001 - $45,000 |
7.00% |
Up to 180 months |
$9.00 per $1,000 |
|
|
$45,001 - $150,000 |
8.25% |
Up to 240 months |
$8.53 per $1,000 |
|
|
PRIMARY RESIDENCE: Loan to Value 101% - 105% |
$5,000 - $25,000 |
7.00% |
Up to 120 months |
$11.62 per $1,000 |
|
$25,001 - $45,000 |
7.25% |
Up to 180 months |
$9.14 per $1,000 |
|
|
$45,001 - $150,000 |
8.50% |
Up to 240 months |
$8.69 per $1,000 |
|
|
NON-OWNER OCCUPIED: Loan to Value up to 80% |
$5,000 - $25,000 |
6.50% |
Up to 120 months |
$11.36 per $1,000 |
|
$25,001 - $50,000 |
6.75% |
Up to 180 months |
$8.86 per $1,000 |
|
|
NON-OWNER OCCUPIED: Loan to Value 81% - 90% |
$5,000 - $25,000 |
6.75% |
Up to 120 months |
$11.49 per $1,000 |
|
$25,001 - $50,000 |
7.00% |
Up to 180 months |
$9.00 per $1,000 |
Unsecure Solar Loan Rates
Effective November 17, 2022
|
Type |
Amount Financed |
Interest Rate* |
Term |
Est. Monthly payment based on "as low as" rate |
|---|---|---|---|---|
|
Unsecure Solar Loan |
$0 - $10,000 |
8.25% |
Up to 84 months |
$15.75 per $1,000 |
|
$10,001 - $30,000 |
9.50% |
Up to 120 months |
$12.95 per $1,000 |
|
|
$30,001 - $50,000 |
10.25% |
Up to 180 months |
$10.91 per $1,000 |
Savings Rates
Effective April 1, 2023
|
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 |
0.40% |
0.40% |
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 Certificate
Effective December 22, 2023
|
Account |
Rate Type |
Min Opening Balance |
Min to Earn Dividend |
Dividend Rate |
APY* |
Dividend Declaration Date |
|---|---|---|---|---|---|---|
|
3 Months |
Fixed |
$1,000 |
$1,000 |
1.00% |
1.01% |
Monthly |
|
6 Months |
Fixed |
$1,000 |
$1,000 |
2.00% |
2.02% |
Monthly |
|
9 Months |
Fixed |
$1,000 |
$1,000 |
3.10% |
3.15% |
Monthly |
|
12 Months |
Fixed |
$1,000 |
$1,000 |
3.25% |
3.30% |
Monthly |
|
18 Months |
Fixed |
$1,000 |
$1,000 |
3.35% |
3.41% |
Monthly |
|
24 Months |
Fixed |
$1,000 |
$1,000 |
3.45% |
3.51% |
Monthly |
|
36 Months |
Fixed |
$1,000 |
$1,000 |
3.60% |
3.67% |
Monthly |
|
48 Months |
Fixed |
$1,000 |
$1,000 |
3.75% |
3.82% |
Monthly |
|
60 Months |
Fixed |
$1,000 |
$1,000 |
4.00% |
4.08% |
Monthly |
IRA Certificates
Effective December 22, 2023
|
Account |
Rate Type |
Min Opening Balance |
Min to Earn Dividend |
Dividend Rate |
APY* |
Dividend Declaration Date |
|---|---|---|---|---|---|---|
|
3 Months |
Fixed |
$1,000 |
$1,000 |
1.00% |
1.01% |
Monthly |
|
6 Months |
Fixed |
$1,000 |
$1,000 |
2.00% |
2.02% |
Monthly |
|
9 Months |
Fixed |
$1,000 |
$1,000 |
3.10% |
3.15% |
Monthly |
|
12 Months |
Fixed |
$1,000 |
$1,000 |
3.25% |
3.30% |
Monthly |
|
18 Months |
Fixed |
$1,000 |
$1,000 |
3.35% |
3.41% |
Monthly |
|
24 Months |
Fixed |
$1,000 |
$1,000 |
3.45% |
3.51% |
Monthly |
|
36 Months |
Fixed |
$1,000 |
$1,000 |
3.60% |
3.67% |
Monthly |
|
48 Months |
Fixed |
$1,000 |
$1,000 |
3.75% |
3.82% |
Monthly |
|
60 Months |
Fixed |
$1,000 |
$1,000 |
4.00% |
4.08% |
Monthly |
*APR = Annual Percentage Rate. The as low as rate is for autos purchased or refinanced, which includes a 90-day first payment option and a 0.50% discount when enrolled in two of the following: TCFCU Checking, and automatic payment from TCFCU account or direct deposit. A discounted rate may be discontinued without notice if qualifying products are canceled. 90-day first payment option is for qualified borrowers only.
***APR = Annual Percentage Rate. The as low as rate includes a 0.50% discount for RV, Signature and Share Secured loans when enrolled in two of the following: TCFCU Checking, and automatic payment from TCFCU account or direct deposit. 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, loan to value and negative trade. MBI (Mechanical Breakdown Insurance) and GAP (Guaranteed Auto Protection) available; excluding Utility and Horse Trailers. Other restrictions may apply.
Tulare Federal reserves the right to end or modify special offers at any time.
* APY = Annual Percentage Yield.
