Rates Effective as of 11/24/2021
Rates are subject to change
Auto Loans
New Auto & Motorcycles (2022-2020)
| Term | *APR as low as |
|---|---|
| 0 to 36 Months | 1.99% |
| 37 to 60 Months | 2.24% |
| 61 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 36 months at a rate of 2.24% APR is a monthly payment of $286.38. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account. | |
Used Auto & Motorcycles (2020-2014)
| Term | *APR as low as |
|---|---|
| 0 to 36 Months | 2.24 |
| 37 to 60 Months | 2.49% |
| 61 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 36 months at a rate of 2.24% APR is a monthly payment of $287.47. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account. | |
Older Used Auto & Motorcycles ( 2013 or Older)
| Term | *APR as low as |
|---|---|
| 0 to 48 Months | 4.99% |
| 49 to 60 Months | 5.24% |
| *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 4.99% APR is a monthly payment of $230.25. 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 | 7.80% |
| *73 to 144 Months | 8.50% |
| * 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
| Term | *APR as low as (Primary Residence) | *APR as low as(Investment) |
|---|---|---|
| 0 to 36 Months | 2.75% | 5.25% |
| 37 to 72 Months | 3.00% | 5.50% |
| 73 to 120 Months | 3.75% | 6.25% |
| 121 to 180 Months | 4.25% | 6.50% |
| 181 to 240 Months | 4.75% | 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 180 months at a rate of 4.25% APR is a monthly payment of $75.22. | ||
Home Equity Loans 90% LTV
| Term | *APR as low as |
|---|---|
| 0 to 36 Months | 3.50% |
| 37 to 72 Months | 3.75% |
| 73 to 120 Months | 4.50% |
| 121 to 180 Months | 4.75% |
| 181 to 240 Months | 5.25% |
| 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 4.75% APR is a monthly payment of $77.78. | |
Home Equity Line of Credit
| Product | *APR as low as (Primary Residence) | *APR as low as(Investment) |
|---|---|---|
| Home Equity Line of Credit – 80% LTV | 4.00% | 5.00% |
| Home Equity Line of Credit – 90% LTV | 5.00% | 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 – Rewards | 9.90% |
| Visa Platinum – No Rewards | 7.90% |
| 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 | 7.25% |
| *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 7.25% APR is a monthly payment of $199.19 | |
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 | 0.05 | 0.05 |
| Money Market Plus | $50,000.00 – $99,999.99 | 0.10 | 0.10 |
| Money Market Plus | $100,000.00 + | 0.15 | 0.15 |
| 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 | 0.05 | 0.05 |
| Business Money Market | $50,000.00 – $99,999.99 | 0.10 | 0.10 |
| Business Money Market | $100,000.00 + | 0.15 | 0.15 |
| 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 | 0.35 | 0.35 |
| 12 Month – $50,000 Minimum / Tier 2 | $50,000.00 | 0.40 | 0.40 |
| 12 Month – $75,000 Minimum / Tier 3 | $75,000.00 | 0.45 | 0.45 |
| 18 Month – $500 Minimum / Tier 1 | $500.00 | 0.40 | 0.40 |
| 18 Month – $50,000 Minimum / Tier 2 | $50,000.00 | 0.45 | 0.45 |
| 18 Month – $75,000 Minimum / Tier 3 | $75,000.00 | 0.50 | 0.50 |
| 24 Month – $500 Minimum / Tier 1 | $500.00 | 0.50 | 0.50 |
| 24 Month – $50,000 Minimum / Tier 2 | $50,000.00 | 0.55 | 0.55 |
| 24 Month – $75,000 Minimum / Tier 3 | $75,000.00 | 0.60 | 0.60 |
| 30 Month – $500 Minimum / Tier 1 | $500.00 | 0.55 | 0.55 |
| 30 Month – $50,000 Minimum / Tier 2 | $50,000.00 | 0.60 | 0.60 |
| 30 Month – $75,000 Minimum / Tier 3 | $75,000.00 | 0.65 | 0.65 |
| 36 Month – $500 Minimum / Tier 1 | $500.00 | 0.60 | 0.60 |
| 36 Month – $50,000 Minimum / Tier 2 | $50,000.00 | 0.65 | 0.65 |
| 36 Month – $75,000 Minimum / Tier 3 | $75,000.00 | 0.70 | 0.70 |
| 48 Month – $500 Minimum / Tier 1 | $500.00 | 0.75 | 0.75 |
| 48 Month – $50,000 Minimum / Tier 2 | $50,000.00 | 0.80 | 0.80 |
| 48 Month – $75,000 Minimum / Tier 3 | $75,000.00 | 0.85 | 0.85 |
| 60 Month – $500 Minimum / Tier 1 | $500.00 | 0.90 | 0.90 |
| 60 Month – $50,000 Minimum / Tier 2 | $50,000.00 | 0.95 | 0.95 |
| 60 Month – $75,000 Minimum / Tier 3 | $75,000.00 | 1.00 | 1.01 |
| Junior | $100.00 | 0.35 | 0.35 |
