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

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

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 100% of MSRP or Average Kelley Blue book

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 100% of MSRP or High Blue Book

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%

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

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. Fees may reduce earnings. Penalties may apply for early withdrawals from certificate accounts.