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.
Auto Loans
New Auto & Motorcycles (2025-2023)
Term
*APR as low as
0 to 36 Months
4.74%
37 to 60 Months
4.99%
61 to 72 Months (Minimum Loan Amount – $15,000)
5.74%
73 to 84 Months (Minimum Loan Amount – $25,000)
6.74%
*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 4.74% APR is a monthly payment of $298.54. 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).
Used Auto & Motorcycles (2023-2017)
Term
*APR as low as
0 to 36 Months
4.74%
37 to 60 Months
4.99%
61 to 72 Months (Minimum Loan Amount – $15,000)
5.74%
73 to 84 Months (Minimum Loan Amount – $25,000)
6.74%
*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 4.74% APR is a monthly payment of $298.54. 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).
Older Used Auto & Motorcycles (2016 or Older)
Term
*APR as low as
0 to 48 Months
6.99%
49 to 60 Months
7.24%
*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 6.99% APR is a monthly payment of $239.41. 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).
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
New & Used Motor Homes, RVs & Trailers
Term
*APR as low as
*0 to 72 Months
6.24%
*73 to 144 Months
6.99%
* 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 $250.29. 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).
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.
Home Equity Line of Credit
Product
*APR as low as (Primary Residence)
*APR as low as(Investment)
Home Equity Line of Credit – 80% LTV
7.75%
8.75%
Home Equity Line of Credit – 90% LTV
8.75%
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.
Personal Loans
Credit Cards
Product
*APR as low as
Visa Platinum – Low Rate
12.90%
Visa Platinum – Rewards
14.90%
Visa Platinum – Cash Back
15.90%
Visa Platinum Balance Transfer Rate
1.00% for 12 months
Personal Line of Credit
Product
*APR as low as
Personal Line of Credit
10.50%
Unsecured Loans
Term
*APR as low as
0-60 months
8.00%
*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).
