Rates

Rates listed below are effective as of 10/1/24

Auto Loans

New Auto & Motorcycles (2025-2023)

Term*APR as low as
0 to 36 Months5.49%
37 to 60 Months5.74%
61 to 72 Months (Minimum Loan Amount – $15,000)6.49%
73 to 84 Months (Minimum Loan Amount – $25,000)7.49%
*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 5.49% APR is a monthly payment of $301.91. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Used Auto & Motorcycles (2023-2017)

Term*APR as low as
0 to 36 Months5.49%
37 to 60 Months5.74%
61 to 72 Months (Minimum Loan Amount – $15,000)6.49%
73 to 84 Months (Minimum Loan Amount – $25,000)7.49%
*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 5.49% APR is a monthly payment of $301.91. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Older Used Auto & Motorcycles (2016 or Older)

Term*APR as low as
0 to 48 Months7.74%
49 to 60 Months7.99%
*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 7.74% APR is a monthly payment of $242.91. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

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 Months6.99%
*73 to 144 Months7.74%
* 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.

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 Months6.00%9.75%
37 to 72 Months6.25%10.00%
73 to 120 Months6.75%10.75%
121 to 180 Months7.25%11.00%
181 to 240 Months7.75%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 Months7.00%
37 to 72 Months7.25%
73 to 120 Months7.75%
121 to 180 Months8.25%
181 to 240 Months8.75%
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% LTV7.25%8.25%
Home Equity Line of Credit – 90% LTV8.25%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.

Personal Loans

Credit Cards

Product*APR as low as
Visa Platinum – Low Rate12.90%
Visa Platinum – Rewards14.90%
Visa Platinum – Cash Back15.90%
Visa Platinum Balance Transfer Rate1.00% for 12 months

Personal Line of Credit

Product*APR as low as
Personal Line of Credit10.50%

Unsecured Loans

Term*APR as low as
0-60 months8.75%
*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.

Share Secured Loans

Secured PercentageTermRate
100% Share Secured0 to 60 monthsShare Rate or Certificate Rate plus 4.50%
75% Share Secured0 to 60 monthsShare Rate or Certificate Rate plus 5.50%
50% Share Secured0 to 60 monthsShare Rate or Certificate Rate plus 6.50%

Checking and Certificates

Personal Savings & Checking

Personal Savings & CheckingMinimum Balance to Earn APY*Dividend RateRate
Share Account$0.000.050.05
Club & Alternate Savings Accounts$0.000.050.05
Interest Checking Account$700.000.050.05
Money Market Plus$0.00 – $2,499.990.000.00
Money Market Plus$2,500.00 – $49,999.991.201.20
Money Market Plus$50,000.00 – $99,999.991.401.40
Money Market Plus$100,000.00 +1.601.60
Accumulative IRA Accounts$0.000.100.10

Business Savings & Checking

Business Savings & CheckingMinimum Balance to Earn APY*Dividend RateAPY*
Basic Business Savings00.050.05
Business Money Market$0.00 – $2,499.990.000.00
Business Money Market$2,500.00 – $49,999.991.201.20
Business Money Market$50,000.00 – $99,999.991.401.40
Business Money Market$100,000.00 +1.601.60
Basic Business Checking00.050.05
Business Premium Checking00.050.05
Business Money Market Checking$0.00 – $2,499.990.000.00
Business Money Market Checking Over $2,5000.050.05

Certificates

Certificate TermMinimum BalanceDividend RateAPY*
12 Months $5004.254.34
12 Months $50,0004.304.39
12 Months $75,0004.354.45
18 Months$5004.254.34
18 Months$50,0004.304.39
18 Months$75,0004.354.45
24 Months$5004.254.34
24 Months$50,0004.304.39
24 Months$75,0004.354.45
30 Months$5004.004.08
30 Months$50,0004.054.13
30 Months$75,0004.104.18
36 Months$5004.004.08
36 Months$50,0004.054.13
36 Months$75,0004.104.18
48 Months$5003.903.98
48 Months$50,0003.954.03
48 Months$75,0004.004.08
60 Months$5003.903.98
60 Months$50,0003.954.03
60 Months$75,0004.004.08
Junior – 12 Months$1004.254.34

Calculators