Loan Rates

Life happens. When it does, you can turn to us.

Sooner or later, you’re going to want to buy a car. Or a house. Whenever the need arises, we have financing solutions that can help you get the most out of life.

As a credit union, we go the extra mile to keep our loan rates very competitive. The bottom line is that you'll spend less on interest charges, whether you're applying for a mortgage, new or used car financing, a home equity line or a personal loan.

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Type	Rates as low as	Rate Type	Term
Personal Line of Credit*	12.25% APR	Variable	No Set Term
Personal Loan**	13.638% APR	Fixed	up to 36 months
Lift Credit Builder***	5.00% APR	Fixed	up to 36 months

The rate examples, current as of 5/8/2023, are TCU's best rate and subject to change without notice. All loans are subject to credit approval and membership requirements. APR = Annual Percentage Rate: Rate.

*Personal Line of Credit: Rates vary with Prime and can change monthly.

**Personal Loan: If you borrowed $2,000 at 13.638% APR for up to 36 months, you would have 35 payments of $67.51 and a final payment of $67.50.

***Lift Credit Builder: Fixed rate, secured term loan. Using the loan amount, the money is placed in your share account and pledged. As payments are made, the pledged amount is reduced. If your payment is late, on the 26th day, the money in your share account will be used to pay off the loan. Minimum borrowed amount is $500. If you borrowed $2,000 at 5.00% APR for up to 36 months, your payment would be $60.07.

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New/Used Car, Pickup & SUV Loans

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Type	Rates as low as	Term
New (2022-2024)	8.415% APR	63 mo
Used (2019-2024)	8.716% APR	63 mo
Used (2018)	9.017% APR	63 mo
Used (2017)	9.217% APR	63 mo

Qualified members can finance up to 100%. Effective 5/2/2023. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
8.415% APR: 62 payments of $196.57 and a final payment of $196.34 with a total finance charge of $2,433.68.
8.716% APR: 63 mo payments of $198.05 and a final payment of $197.90 with a total finance charge of $2,527.00.
9.017% APR: 62 payments of $199.54 and a final payment of $199.19 with a total finance charge of $2,620.67.
9.217% APR: 63 mo payments of $200.54 and a final payment of $199.81 with a total finance charge of $2,683.29.

Rates shown do not include a 0.25% discount available to qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.

New/Used Motorcycle Loans

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Type	Rates as low as	Term
New (2022-2023)	8.314% APR	63 mo
Used (2019-2023)	8.515% APR	63 mo
Used (2018)	8.716% APR	63 mo
Used (2017)	9.167% APR	63 mo

Qualified members can finance up to 100%. Effective 4/3/2023. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
8.314% APR: 62 payments of $196.08 and a final payment of $195.66 with a total finance charge of $2,402.62.
8.515% APR: 63 mo payments of $197.07 and a final payment of $196.30 with a total finance charge of $2,464.64.
8.716% APR: 62 payments of $198.05 and a final payment of $197.90 with a total finance charge of $2,527.00.
9.167% APR: 63 mo payments of $200.29 and a final payment of $199.63 with a total finance charge of $2,667.61.

Rates shown do not include a 0.25% discount available to qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.Rates shown do not include a 0.25% discount for qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.

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Type	Rates as low as	Rate Type	Term	Loan to Value
Home Equity Loan 2nd Position*	7.000% APR	Fixed	60 mo^{^}	90%

Rates subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term and the percentage of remaining equity in your home. APRs quoted above (and in the examples below) are based on a hypothetical $25,000 borrowed with estimated closing costs of $0. With zero closing cost and loan fees, your rate will equal your APR. If a full internal/external appraisal is required or requested you will be required to pay the appraisal fee which can be up to $750.

* 7.000% APR: 59 payments of $495.03 with a final payment of $495.03. Qualified members can finance 90% loan to value (less outstanding mortgage).

^{^}Additional terms available.

See Products and Services Details for more information.

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Type	Rates as low as	Rate Type	Term	Loan to Value
Prime Equity Line*	8.00% APR	Variable	10-year draw period followed by a 10-year amortized repayment period	80%
Equity Line Plus**	8.50% APR	Variable	10-year draw period followed by a 10-year amortized repayment period	90%

Effective 5/1/2023. Minimum loan amount $5,000. Current APR is subject to change without notice. Term is a 10-year draw period followed by a 10-year amortized repayment period. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends.

A Home Equity Line of Credit is a variable-rate product. Rates adjust monthly based on the Prime Rate as published in the Wall Street Journal, and can vary to a low of 3.00% to a maximum of 12.00% (subject to change). See Products and Services Details for more information.

Payment Options During Draw Period:
1) 1% of the outstanding balance, or interest due, or $50 (whichever is greatest), OR
2) The greater of monthly interest due or $50 for qualified members

* Qualified members can finance up to 80% of home's value (less outstanding mortgage).

** Qualified members can finance up to 90% of home's value (less outstanding mortgage).

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Card Type	Rates	Points Earned on Purchases
TCU Visa^® Platinum	0.00% intro rate for first 6 mos from the date account is opened, then 12.00%, 14.00%, 16.00%, 18.00% or 22.00% (based on your creditworthiness) for purchases and balance transfers apply.	NA
TCU Visa^® Signature Rewards	0.00% intro rate for first 6 mos from the date account is opened, then 16.00%, 18.00%, or 20.00% (based on your creditworthiness) for purchases and balance transfers applies.	1.5 pts. per dollar spent on eligible purchases
TCU Visa^® Accelerate	19.99% APR fixed rate	NA

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Type	Rates as low as	Term
New (2022-2023)	8.476% APR	180 mo
Used (2019-2023)	8.977% APR	180 mo
Used (2014-2018)	10.483% APR	144 mo

Qualified members can finance up to 100%. Effective 5/8/2023. Based on borrowing $50,000 , the following payments and costs would apply:
New (2022-2023): 8.476% APR: 179 payments of $492.79 and a final payment of $491.65 with a total finance charge of $38,751.06.
Used (2019-2023): 8.977% APR: 179 payments of $507.70 and a final payment of $505.90 with a total finance charge of $41,434.20.
Used (2014-2018): 10.483% APR: 143 payments of $613.45 and a final payment of $612.48 with a total finance charge of $38,385.83.