Rates Effective as of 11/30/2022
Rates are subject to change
Auto Loans
New Auto & Motorcycles (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)
| 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)
| 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
| 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
| 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
| 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
| 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
| 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
| Product | *APR as low as |
|---|---|
| Personal Line of Credit | 10.50% |
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 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
| 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 | 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 | 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
| 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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