Rates

Rates Effective as of 11/30/2022
Rates are subject to change

Auto Loans

New Auto & Motorcycles (2023-2021)

New Auto & Motorcycle Loans (2023 – 2021)
Term *APR as low as
0 to 36 Months 3.74%
37 to 60 Months 3.99%
61 to 72 Months (Minimum Loan Amount – $15,000) 4.74%
73 to 84 Months (Minimum Loan Amount – $25,000) 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. 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 3.74% APR is a monthly payment of $294.08. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Used Auto & Motorcycles (2021-2015)

Used Auto & Motorcycles (2021-2015)
Term *APR as low as
0 to 36 Months 3.99%
37 to 60 Months 4.24%
61 to 72 Months (Minimum Loan Amount – $15,000) 4.99%
73 to 84 Months (Minimum Loan Amount – $25,000) 5.99%
*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 3.99% APR is a monthly payment of $295.19. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Older Used Auto & Motorcycles ( 2014 or Older)

Older Used Auto & Motorcycles ( 2014 or Older)
Term *APR as low as
0 to 48 Months 6.49%
49 to 60 Months 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 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 6.49% APR is a monthly payment of $237.10. 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

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.

Home Equity Loans

1st Lien Home Equity Loan – Call us for rates @ 610.326.3705

Home Equity Loans 80% LTV

Home Equity Loans 80% LTV
Term *APR as low as (Primary Residence) *APR as low as (Investment)
0 to 36 Months 5.00% 8.75%
37 to 72 Months 5.25% 9.00%
73 to 120 Months 5.75% 9.75%
121 to 180 Months 6.25% 10.00%
181 to 240 Months 6.75% 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 6.75% APR is a monthly payment of $76.03.

Home Equity Loans 90% LTV

Home Equity Loans 90% LTV
Term *APR as low as
0 to 36 Months 6.00%
37 to 72 Months 6.25%
73 to 120 Months 6.75%
121 to 180 Months 7.25%
181 to 240 Months 7.75%
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 7.75% APR is a monthly payment of $82.09.

Home Equity Line of Credit

Home Equity Line of Credit
Product *APR as low as (Primary Residence) *APR as low as(Investment)
Home Equity Line of Credit – 80% LTV 6.25% 7.25%
Home Equity Line of Credit – 90% LTV 7.25% 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

Credit Cards
Product *APR as low as
Visa Platinum – Low Rate 8.15%
Visa Platinum – Rewards 10.15%
Visa Platinum – Cash Back 11.15%
Visa Platinum Balance Transfer Rate 1.00% for 12 months

Personal Line of Credit

Personal Line of Credit
Product *APR as low as
Personal Line of Credit 10.50%

Unsecured Loans

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 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 8.75% APR is a monthly payment of $206.37

Share Secured Loans

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%

Checking and Certificates

Personal Savings & Checking

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
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 0.65 0.65
Money Market Plus $50,000.00 – $99,999.99 0.70 0.70
Money Market Plus $100,000.00 + 0.80 0.80
Accumulative IRA Accounts $0.00 0.10 0.10

Business Savings & Checking

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 0.65 0.65
Business Money Market $50,000.00 – $99,999.99 0.70 0.70
Business Money Market $100,000.00 + 0.80 0.80
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

Certificates
Certificate Minimum Balance Dividend Rate APY*
12 Month – $500 Minimum / Tier 1 $500.00 2.20 2.22
12 Month – $50,000 Minimum / Tier 2 $50,000.00 2.25 2.28
12 Month – $75,000 Minimum / Tier 3 $75,000.00 2.30 2.33
18 Month – $500 Minimum / Tier 1 $500.00 2.40 2.43
18 Month – $50,000 Minimum / Tier 2 $50,000.00 2.45 2.48
18 Month – $75,000 Minimum / Tier 3 $75,000.00 2.50 2.53
24 Month – $500 Minimum / Tier 1 $500.00 2.70 2.74
24 Month – $50,000 Minimum / Tier 2 $50,000.00 2.75 2.79
24 Month – $75,000 Minimum / Tier 3 $75,000.00 2.80 2.84
30 Month – $500 Minimum / Tier 1 $500.00 2.80 2.84
30 Month – $50,000 Minimum / Tier 2 $50,000.00 2.85 2.89
30 Month – $75,000 Minimum / Tier 3 $75,000.00 2.90 2.94
36 Month – $500 Minimum / Tier 1 $500.00 2.95 2.99
36 Month – $50,000 Minimum / Tier 2 $50,000.00 3.00 3.05
36 Month – $75,000 Minimum / Tier 3 $75,000.00 3.05 3.10
48 Month – $500 Minimum / Tier 1 $500.00 3.15 3.20
48 Month – $50,000 Minimum / Tier 2 $50,000.00 3.20 3.25
48 Month – $75,000 Minimum / Tier 3 $75,000.00 3.25 3.30
60 Month – $500 Minimum / Tier 1 $500.00 3.35 3.41
60 Month – $50,000 Minimum / Tier 2 $50,000.00 3.40 3.46
60 Month – $75,000 Minimum / Tier 3 $75,000.00 3.45 3.51
Junior $100.00 2.20 2.22

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