To celebrate our 75th Anniversary, loan rates have been reduced by 0.75%APR when you finance an auto, motorcycle, recreational vehicle or unsecured loan with TCAFCU*
*Offer is not valid on credit cards, first mortgage loans, home equity loans or lines of credit. Offer not valid on TCAFCU refinances. New loans only. Cannot be combined with other offers, including our green loan discount. Qualifying rate depends on credit qualifications, term of loan and other conditions. Limited time only.
Rates listed below are effective as of 7/1/24 and reflect the promotional rate reduction.
Personal Loans
- Low, competitive rates
- Flexible terms up to 60 months
- No hidden fees or prepayment penalties
| Term | Rate – *APR as low as |
|---|---|
| 0-60 months | 8.25% |
| *APR = Annual Percentage Rate. Rate is subject to change without notice. The rate stated above is the lowest rate offered. Actual Annual Percentage Rate(APR) may vary and not all members will qualify for the lowest rate. Unsecured Loan Payment Example: $10,000 for 60 months at a rate of 8.00% APR is a monthly payment of $202.76. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account and a .75% discount for the 75th Anniversary Loan Special (limited time only). | |
Credit Cards
| Product | *APR as low as |
|---|---|
| Visa Platinum – Low Rate | 12.90% |
| Visa Platinum – Rewards | 14.90% |
| Visa Platinum – Cash Back (Earn 1.5% Cash Back) | 15.90% |
| Visa Platinum Balance Transfer Rate | 1.00% for 12 months |
*The Annual Percentage Rate of 1.00%, which is a monthly periodic rate of 0.0833%, is for 12 months from the issuance of the balance transfer. When the discounted rate expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. These rates are subject to change without notice. Existing balances, new purchases and cash advances will accrue interest at the regular APR. Internal balance transfers are not eligible for the promotional rate.
Personal Line of Credit
A personal line of credit gives you access to extra cash whenever you need it. For extra security you may use a personal line of credit to provide overdraft protection for your Tri County Area FCU checking account.
| Personal Line of Credit | Rate – *APR as low as |
|---|---|
| Personal Line of Credit | 10.50% |
| *APR = Annual Percentage Rate. Rate is subject to change. Actual Annual Percentage Rate(APR) may vary and not all members will qualify for the lowest rate. | |
Share Secured Loans
A share secured loan will help you establish credit or rebuild your credit history.
| Share Secured Loans | Term | Rate |
|---|---|---|
| 100% Share Secured | 0 to 60 months | Share Rate or Certificate Rate plus 4.50% |
| 75% Share Secured | 0 to 60 months | Share Rate or Certificate Rate plus 5.50% |
| 50% Share Secured | 0 to 60 months | Share Rate or Certificate Rate plus 6.50% |