Rates

New Autos

Effective November 1, 2022

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 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing

Up to 48 Months

6.00%

18.00%

$23.49 per $1,000

Up to 60 Months

6.00%

18.00%

$19.34 per $1,000

Up to 72 Months

6.50%

18.00%

$16.82 per $1,000

Up to 84 Months

6.75%

18.00%

$14.98 per $1,000

Used Autos

Effective November 1, 2022

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 100% of Retail Kelley Blue book plus tax, title & licensing

Up to 48 Months

6.50%

18.00%

$23.72 per $1,000

Up to 60 Months

6.50%

18.00%

$19.57 per $1,000

Up to 72 Months

7.00%

18.00%

$17.05 per $1,000

Up to 84 Months

7.25%

18.00%

$15.22 per $1,000

New Recreational Vehicles

Effective November 23, 2022

Loan Type

Loan Term

APR* as low as

APR* To

Est. Monthly Payment based on “as low as” Rate

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

Up to 60 Months

6.75%

18.00%

$19.68 per $1,000

Up to 72 Months

7.00%

18.00%

$17.05 per $1,000

Up to 84 Months

7.50%

N/A

$15.34 per $1,000

Up to 96 Months

8.25%

N/A

$14.26 per $1,000

Up to 120 Months

8.75%

N/A

$12.53 per $1,000

Up to 144 Months

9.25%

N/A

$11.52 per $1,000

Up to 180 Months

9.50%

N/A

$10.44 per $1,000

Used Recreational Vehicles

Effective November 1, 2022

Loan Type

Loan Term

APR* as low as

APR* To

Est. Monthly Payment based on “as low as” Rate

Used Recreational Vehicles (2020 and older)
Up to 100% of MSRP or High Blue Book

Up to 60 Months

6.75%

18.00%

$19.80 per $1,000

Up to 72 Months

7.00%

18.00%

$17.17 per $1,000

Up to 84 Months

7.50%

18.00%

$15.46 per $1,000

Up to 96 Months

6.25%

N/A

$14.39 per $1,000

Up to 120 Months

6.75%

N/A

$12.67 per $1,000

Up to 144 Months

7.25%

N/A

$11.66 per $1,000

Up to 180 Months

7.50%

N/A

$10.59 per $1,000

Personal Loans

Effective November 23, 2022

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%

$87.57 per $1,000

Up to 24 Months

9.75%

18.00%

$46.03 per $1,000

Up to 36 Months

10.25%

18.00%

$32.38 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 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 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

CD Share Certificates

Effective August 1, 2022

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

IRA Certificates

Effective June 3, 2022

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.