Loans

Auto

Auto Loans

Finance your vehicle with us and receive the following great benefits:

  • Up to 125% financing
  • Wide range of repayment terms
  • First Time Auto Buyer’s Program
  • Pre-Approvals with Xpress checks for more bargaining power at the dealer
  • Lower rates for Green Loans *
  • Optional Guaranteed Auto Protection (GAP) Coverage; Mechanical Breakdown Coverage and/or Payment Protection

Meet with a Lending Specialist today for Your Complimentary Credit Review

New Auto & Motorcycle Loans (2019-2017)
Term Rate – *APR as low as
0 to 36 Months 2.74%
37 to 60 Months 2.99%
61 to 72 Months (Minimum Loan Amount – $15,000) 3.74%
73 to 84 Months (Minimum Loan Amount – $25,000) 4.74%
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 36 months at a rate of 2.74% APR is a monthly payment of $289.67. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
Used Auto & Motorcycle Loans (2017-2011)
Term Rate – *APR as low as
0 to 36 Months 2.99%
37 to 60 Months 3.24%
61 to 72 Months (Minimum Loan Amount – $15,000) 3.99%
73 to 84 Months (Minimum Loan Amount – $25,000) 4.99%
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value and mileage less than 100,000. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value, mileage and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 36 months at a rate of 2.99% APR is a monthly payment of $290.77. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
Older Used Auto & Motorcycle Loans (2010 or Older)
Term Rate – *APR as low as
0 to 48 Months 5.49%
49 to 60 Months 5.74%
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value and mileage less than 100,000. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value, mileage and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 48 months at a rate of 5.49% APR is a monthly payment of $232.52. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Apply Now
Calculator (new window/tab)

Need to get a payment here fast? We accept payments by credit card! For more information, contact a Lending Specialist at 610.326.3705

*Green Loans Finance a hybrid vehicle & receive a 1% rate discount on your loan! (Purchases only. cannot be combined with any other loan discounts)
**Xpress Check Get pre-approved for an auto loan and you’ll receive an Xpress Check to purchase your vehicle. You’ll have the power to negotiate the best bottom line price, because you already have the check in hand when you visit the dealer. It’s a great way to get the car you want at the price you want.

Recreational

View of a young woman on a bicycle in front of an RV parked in the forest on a holiday adventure trip.

Recreation Equipment Loans

Are you ready to explore the world a new RV? If you are looking for a RV, motor home or travel trailer, our Recreation Equipment loans may be just what you need.

 

New & Used Motor Homes, RVs & Trailers
Term Rate – *APR as low as
*0 to 72 Months 7.80%
*73 to 144 Months 8.50%
* 67 to 72 Months (Minimum Loan Amount – $15,000)
*73 to 144 Months (Minimum Loan Amount – $25,000)
APR = Annual Percentage Rate. Rate is subject to change. The rate stated is the lowest rate offered. Rates above assume mileage less than 100,000. Maximum LTV is 90%. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, age of vehicle, loan-to-value, mileage and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $15,000 for 72 months at a rate of 7.80% APR is a monthly payment of $261.54. Rate includes a .25% discount for automatic payment from a TCAFCU account.

Need to get a payment here fast? We now accept payments by credit card!
For more information, contact a Lending Specialist at 610.326.3705!

Personal

Personal Loans

Looking to consolidate your high interest debt? Replace an appliance? Take a vacation? A personal loan may be just what you need.

Unsecured Loans
Term Rate – *APR as low as
0-60 months 9.25%
*APR = Annual Percentage Rate. Rate is subject to change. The rate stated above is the lowest rate offered and includes .25% discount for automatic payment from a TCAFCU account. 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 9.25% APR is a monthly payment of $208.80

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
Personal Line of Credit Rate – *APR as low as
Personal Line of Credit 10.00%
*APR = Annual Percentage Rate. Rate is subject to change. The rate stated above is the lowest rate offered and includes .25% discount for automatic payment from a TCAFCU account. 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 9.25% APR is a monthly payment of $208.80

Share Secured Loans

A share secured loan will help you establish credit or rebuild your credit history.

Share Secured Loans
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%
*APR = Annual Percentage Rate. Rate is subject to change. The rate stated above is the lowest rate offered and includes .25% discount for automatic payment from a TCAFCU account. 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 9.25% APR is a monthly payment of $208.80

Apply Now
Calculator (new window/tab)

Need to get a payment here fast? We now accept payments by credit card! For more information, contact a Lending Specialist at 610.326.3705!

Mortgages

First Mortgage Loans

Happy family with two children having fun at new home.

Owning a home brings many benefits.  Whether you are purchasing a new home or interested in refinancing your current mortgage, we are here to help!  Applying online is easy.  Simply click on the link below to get started.

First Mortgage Loans (new window/tab)

 

Home Equity

Home Equity Loans and Line of Credit

The possibilities are endless with a Home Equity Loan or LOC from TCAFCU!
Plus, No Appraisal Fees! **

Home Equity Loans

  • Fixed Rate Terms up to 180 months
  • Can be used for many purposes
  • Possible tax benefits – (Consult a tax advisor)

 

Home Equity Loans 80% LTV
Home Equity Loans 80% LTV *APR as low as (Primary Residence) *APR as low as(Investment)
0 to 36 Months 3.50% 6.00%
37 to 72 Months 3.75% 6.25%
73 to 120 Months 4.50% 7.00%
121 to 180 Months 5.00% 7.25%
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 180 months at a rate of 5.00% APR is a monthly payment of $79.08.
Home Equity Loans 90% LTV
Term *APR as low as
0 to 36 Months 4.50%
37 to 72 Months 4.75%
73 to 120 Months 5.50%
121 to 180 Months 6.00%
APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 180 months at a rate of 6.00% APR is a monthly payment of $84.39.

Home Equity Line of Credit

  • Variable rate line of credit
  • Ability to draw cash as needed
  • Possible tax benefits (Consult a tax advisor)
Home Equity Line of Credit
Home Equity Line of Credit *APR as low as (Primary Residence) *APR as low as(Investment)
Home Equity Line of Credit – 80% LTV 4.25% 5.25%
Home Equity Line of Credit – 90% LTV 5.25% NA
The Home Equity Line of Credit has a variable rate feature and the Annual Percentage Rate (APR) and the monthly minimum payment can change as a result. This variable rate is based on prime and can change quarterly. Your rate will not be less than 4% APR (floor rate) or greater than 18% APR (maximum allowed by law). The minimum monthly payment is $100.00.  Actual Annual Percentage Rate (APR) is based on an index and may vary according to creditworthiness, loan-to-value and terms of the loan.

**Appraisal fees will be waived on all new Home Equity Loans and Home Equity Lines of Credit with a loan amount >$10,000(new money), when the application is received by 11/30/18. Appraisal fees are valued up to $405. If the loan is paid off within 12 months, closing costs will be added to payoff balance. Primary residences only.

Apply Now
Calculator (new window/tab)

Need to get a payment here fast? We now accept payments by credit card!  For more information, contact a Loan Specialist at 610.326.3705!

Student Loans

Student Loans

Apply for a student loan! Simply click on the link below to get started!

Student Loans (new window/tab)

Student Loan Refinancing

Paying bills at a table using a calculator

Student Loan Refinancing

Refinance your existing student loans to lower your monthly payments and reduce the interest rate!  Simply click on the link below to get started!

Student Loan Refinancing (new window/tab)