Rates

Rates Effective as of  10/16/17
Rates are subject to change

Auto Loans

New Auto & Motorcycles (2018-2016)

New Auto & Motorcycle Loans
(2018-2016)
*APR as low as
0 to 60 Months1.99%
61 to 66 Months2.99%
67 to 72 Months (Minimum Loan Amount – $15,000) 2.99%
73 to 84 Months (Minimum Loan Amount – $25,000) 3.99%
*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. 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 60 months at a rate of 1.99% APR is a monthly payment of $175.23. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Used Auto & Motorcycles (2016-2013)

Used Auto & Motorcycle Loans
(2016-2013)
*APR as low as
0 to 60 Months2.24%
61 to 66 Months3.24%
67 to 72 Months (Minimum Loan Amount – $15,000) 3.24%
73 to 84 Months (Minimum Loan Amount – $25,000) 4.24%
*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 60 months at a rate of 2.24% APR is a monthly payment of $176.33. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Older Used Auto & Motorcycles ( 2012 or Older)

Older Used Auto & Motorcycle Loans (2012 or Older)*APR as low as
0 to 48 Months4.99%
49 to 60 Months5.24%
*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 60 months at a rate of 5.24% APR is a monthly payment of $189.81. 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*APR as low as
*0 to 72 Months7.80%
*73 to 144 Months8.50%
* 67 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. 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 7.80% APR is a monthly payment of $261.54. Rate includes a .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

Home Equity Loans 80% LTV*APR as low as (Primary Residence)*APR as low as(Investment)
0 to 36 Months3.00%5.50%
37 to 72 Months3.25%5.75%
73 to 120 Months4.00%6.50%
121 to 180 Months4.25%6.75%
*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 180 months at a rate of 4.25% APR is a monthly payment of $75.23.

Home Equity Loans 90% LTV

Home Equity Loans 90% LTV*APR as low as
0 to 36 Months4.00%
37 to 72 Months4.25%
73 to 120 Months5.00%
121 to 180 Months5.25%
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 180 months at a rate of 5.25% APR is a monthly payment of $80.39.

Home Equity Line of Credit

Home Equity Line of Credit*APR as low as
(Primary Residence)
*APR as low as
(Investment)
Home Equity Line of Credit – 80% LTV4.00%
5.00%
Home Equity Line of Credit – 90% LTV4.50%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

Personal Loans

Credit Cards

Credit Cards*APR as low as
Visa Platinum – Rewards10.65%
Visa Platinum – No Rewards8.65%

Personal Line of Credit

Personal Line of Credit*APR as low as
Personal Line of Credit11.00%

Unsecured Loans

Unsecured Loans*APR as low as
0-60 months9.25%
*APR = Annual Percentage Rate. Rate is subject to change. 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 9.25% APR is a monthly payment of $208.80.

Share Secured Loans

Share Secured LoansTermRate
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 RateAPY*
Share Account$0.00 – $999.99 0.0500.05
Share AccountOver $1,000.000.0500.05
Club & Alternate Savings Accounts$0.000.0500.05
Interest Checking Account$700.000.0500.05
Money Market Plus$0.00 – $2,499.990.000.00
Money Market Plus$2,500 – $49,999.990.150.15
Money Market Plus$50,000 – $99,999.990.150.15
Money Market PlusOver $100,0000.150.15
Accumulative IRA Accounts$0.000.300.30

Business Savings & Checking

Business Savings & CheckingMinimum Balance to Earn APY*Dividend RateAPY*TermCalculator
Basic Business Savings00.050.05n/acalccalc
Business Money Market$0.00 – $2,499.990.000.00n/acalccalc
Business Money Market$2,500 – 49,999.990.150.15n/acalccalc
Business Money Market$50,000 – 99,999.990.150.15n/acalccalc
Business Money MarketOver $100,0000.150.15n/acalccalc
Basic Business Checking00.050.05n/acalccalc
Business Premium Checking00.050.05n/acalccalc
Business Money Market Checking$0.00 – $2,499.990.000.00n/acalccalc
Business Money Market Checking$2,500 – $49,999.990.100.10n/acalccalc
Business Money Market Checking$50,000 – $99,999.990.100.10n/acalccalc
Business Money Market CheckingOver $100,0000.100.10n/acalccalc

Certificates

CertificatesMinimum BalanceDividend RateAPY*Term
12 Month – $500 Minimum / Tier 1$500.000.4000.40012
12 Month – $50,000 Minimum / Tier 2$50,000.000.4500.45012
12 Month – $75,000 Minimum / Tier 3$75,000.000.5000.50012
18 Month – $500 Minimum / Tier 1$500.000.5000.50018
18 Month – $50,000 Minimum / Tier 2$50,000.000.5500.55018
18 Month – $75,000 Minimum / Tier 3$75,000.000.6500.65018
24 Month – $500 Minimum / Tier 1$500.000.7000.70024
24 Month – $50,000 Minimum / Tier 2$50,000.000.7500.75024
24 Month – $75,000 Minimum / Tier 3$75,000.000.8000.80024
30 Month – $500 Minimum / Tier 1$500.000.9000.90030
30 Month – $50,000 Minimum / Tier 2$50,000.000.9500.95030
30 Month – $75,000 Minimum / Tier 3$75,000.001.001.01030
36 Month – $500 Minimum / Tier 1$500.001.0501.06036
36 Month – $50,000 Minimum / Tier 2$50,000.001.1001.11036
36 Month – $75,000 Minimum / Tier 3$75,000.001.1501.16036
48 Month – $500 Minimum / Tier 1$500.001.3001.31048
48 Month – $50,000 Minimum / Tier 2$50,000.001.3501.36048
48 Month – $75,000 Minimum / Tier 3$75,000.001.4001.41048
60 Month – $500 Minimum / Tier 1$500.001.6001.61060
60 Month – $50,000 Minimum / Tier 2$50,000.001.6501.66060
60 Month – $75,000 Minimum / Tier 3$75,000.001.7001.71060
Junior$100.000.4000.40012

 

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