Finance Your Future with a Loan Made for You
College costs add up quickly, but with a student loan from Tri County Area FCU, you can manage tuition and other expenses with confidence.
Benefits of a Student Loan
- Lower rates make repayment more affordable
- Make automatic (ACH) payments
- Easy and free to apply
Paying for college shouldn’t have to be stressful. At Tri County Area Federal Credit Union, we’ve partnered with LendKey® to offer competitive private student loans that help you cover educational expenses not covered by financial aid.
Whether you need tuition, books, housing, or other qualified school expenses, our private student loan program makes it easy to apply and manage your loan online.
- Competitive interest rates — With both fixed and variable options, you can choose the rate and repayment style that fits your budget
- No origination or application fees — More of your money goes toward your education, not loan costs
- Flexible payment options — You can choose interest-only payments while in school or set fixed monthly payments
- Quick online application — Complete your application online in as little as 5 minutes
- Manage your loan anytime — Access your loan account online to check your balance, make payments, and more
- Cosigner release available — After making on-time payments for a specified period, you may be eligible for cosigner release
If you have existing student loans, refinancing can be a smart way to lower your interest rate, reduce monthly payments, or pay off your debt faster.
Tri County Area Federal Credit Union has partnered with LendKey® to bring you a simple, online student loan refinancing solution that helps you take control of your debt and get a payment plan that works for you.
Refinancing your student loans can help you:
- Potentially lower your interest rate — Replacing higher rates with a more competitive one
- Simplify payments — Combine multiple monthly bills into one convenient payment
- Adjust your repayment term — Shorter to save on interest, or longer to lower monthly cost
- Choose fixed or variable rates — Depending on what fits your budget and plan
- Manage loan online — Complete the process and track your loan through a secure online portal
All applications and servicing are handled through LendKey’s secure platform, so you get both simplicity and reliability.
Use this calculator to determine your projected earnings from our High Rate Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Savings & Checking
| Business Savings & Checking | Minimum Balance to Earn APY* | Dividend Rate | APY* |
|---|---|---|---|
| Basic Business Savings | 0 | 0.05 | 0.05 |
| Business Money Market | $0.00 – $2,499.99 | 0.00 | 0.00 |
| Business Money Market | $2,500.00 – $49,999.99 | 1.20 | 1.20 |
| Business Money Market | $50,000.00 – $99,999.99 | 1.40 | 1.40 |
| Business Money Market | $100,000.00 + | 1.60 | 1.60 |
| Basic Business Checking | 0 | 0.05 | 0.05 |
| Business Premium Checking | 0 | 0.05 | 0.05 |
| Business Money Market Checking | $0.00 – $2,499.99 | 0.00 | 0.00 |
| Business Money Market Checking | Over $2,500 | 0.05 | 0.05 |
Certificates
| Certificate Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 12 Months | $500 | 3.75 | 3.82 |
| 12 Months | $50,000 | 3.80 | 3.87 |
| 12 Months | $75,000 | 3.85 | 3.92 |
| 18 Months | $500 | 3.75 | 3.82 |
| 18 Months | $50,000 | 3.80 | 3.87 |
| 18 Months | $75,000 | 3.85 | 3.92 |
| 24 Months | $500 | 3.80 | 3.87 |
| 24 Months | $50,000 | 3.85 | 3.92 |
| 24 Months | $75,000 | 3.90 | 3.98 |
| 30 Months | $500 | 3.80 | 3.87 |
| 30 Months | $50,000 | 3.85 | 3.92 |
| 30 Months | $75,000 | 3.90 | 3.98 |
| 36 Months | $500 | 3.80 | 3.87 |
| 36 Months | $50,000 | 3.85 | 3.92 |
| 36 Months | $75,000 | 3.90 | 3.98 |
| 48 Months | $500 | 3.80 | 3.87 |
| 48 Months | $50,000 | 3.85 | 3.92 |
| 48 Months | $75,000 | 3.90 | 3.98 |
| 60 Months | $500 | 3.80 | 3.87 |
| 60 Months | $50,000 | 3.85 | 3.92 |
| 60 Months | $75,000 | 3.90 | 3.98 |
| Junior – 12 Months | $100 | 3.75 | 3.82 |
Credit Cards
| Product | *APR as low as |
|---|---|
| Visa Platinum Credit Card | 11.40% |
| Visa Platinum Rewards Credit Card: Earn 1.5 points per $1 spent – redeem for cash back, merchandise, gift cards, travel, and more! | 14.40% |
Green Loans
Finance a Hybrid Vehicle & Save 1% APR!
Offer cannot be combined with any other discounts. Purchases Only.
Call for Details – 610.326.3705
Home Equity Line of Credit
| Product | *APR as low as (Primary Residence) | *APR as low as(Investment) |
|---|---|---|
| Home Equity Line of Credit – 80% LTV | 6.00% | 7.00% |
| Home Equity Line of Credit – 90% LTV | 7.00% | 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.
Home Equity Loans
1st Lien Home Equity Loan – Call us for rates @ 610.326.3705
Home Equity Loans 80% LTV
| Term | *APR as low as (Primary Residence) | *APR as low as (Investment) |
|---|---|---|
| 0 to 36 Months | 6.00% | 9.75% |
| 37 to 72 Months | 6.25% | 10.00% |
| 73 to 120 Months | 6.75% | 10.75% |
| 121 to 180 Months | 7.25% | 11.00% |
| 181 to 240 Months | 7.75% | N/A |
*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 240 months at a rate of 7.75% APR is a monthly payment of $82.09.
Home Equity Loans 90% LTV
| Term | *APR as low as |
|---|---|
| 0 to 36 Months | 7.00% |
| 37 to 72 Months | 7.25% |
| 73 to 120 Months | 7.75% |
| 121 to 180 Months | 8.25% |
| 181 to 240 Months | 8.75% |
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 240 months at a rate of 8.75% APR is a monthly payment of $88.37.
New & Used Motor Homes, RVs & Trailers
| Term | *APR as low as |
|---|---|
| *0 to 72 Months | 6.99% |
| *73 to 144 Months | 7.74% |
| * 61 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 and include a .25% discount for automatic payment from a TCAFCU account. 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 6.99% APR is a monthly payment of $255.66 Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
New Auto & Motorcycles (2027-2025)
| Term | *APR as low as |
|---|---|
| 0 to 36 Months | 4.49% |
| 37 to 60 Months | 4.74% |
| 61 to 72 Months (Minimum Loan Amount – $15,000) | 5.49% |
| 73 to 84 Months (Minimum Loan Amount – $25,000) | 6.49% |
*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 4.49% APR is a monthly payment of $297.42. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
Older Used Auto & Motorcycles (2018 or Older)
| Term | *APR as low as |
|---|---|
| 0 to 48 Months | 6.74% |
| 49 to 60 Months | 6.99% |
*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 48 months at a rate of 6.74% APR is a monthly payment of $238.26. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
Personal Line of Credit
| Product | *APR as low as |
|---|---|
| Personal Line of Credit | 10.50% |
Personal Savings & Checking
| Personal Savings & Checking | Minimum Balance to Earn APY* | Dividend Rate | Rate |
|---|---|---|---|
| Share Account | $0.00 | 0.05 | 0.05 |
| Club & Alternate Savings Accounts | $0.00 | 0.05 | 0.05 |
| High Rate Checking | $0.00 | 4.889 | 5.00 |
| High Rate Savings | $0.00 | 1.982 | 2.00 |
| Interest Checking Account | $700.00 | 0.05 | 0.05 |
| Money Market Plus | $0.00 – $2,499.99 | 0.00 | 0.00 |
| Money Market Plus | $2,500.00 – $49,999.99 | 1.20 | 1.20 |
| Money Market Plus | $50,000.00 – $99,999.99 | 1.40 | 1.40 |
| Money Market Plus | $100,000.00 + | 1.60 | 1.60 |
| IRA Share Account | $0.00 | 0.10 | 0.10 |
Share Secured Loans
| Secured Percentage | 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% |
Unsecured Loans
| Term | *APR as low as |
|---|---|
| 0-60 months | 8.75% |
*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 8.75% APR is a monthly payment of $206.37. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
Used Auto & Motorcycles (2025-2019)
| Term | *APR as low as |
|---|---|
| 0 to 36 Months | 4.49% |
| 37 to 60 Months | 4.74% |
| 61 to 72 Months (Minimum Loan Amount – $15,000) | 5.49% |
| 73 to 84 Months (Minimum Loan Amount – $25,000) | 6.49% |
*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 4.49% APR is a monthly payment of $297.42. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
