Rates :: Tri County Area Federal Credit Union

Rates Effective as of 12/16/2020
Rates are subject to change

Auto Loans

New Auto & Motorcycle Loans (2022 – 2020)
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. 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 $287.47. 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	2.49
37 to 60 Months	2.74%
61 to 72 Months (Minimum Loan Amount – $15,000)	3.49%
73 to 84 Months (Minimum Loan Amount – $25,000)	4.49%
*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 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 2.49% APR is a monthly payment of $288.57. 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	5.24%
49 to 60 Months	5.49%
*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 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 5.24% APR is a monthly payment of $231.38. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

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.

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%
*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	3.75%
37 to 72 Months	4.00%
73 to 120 Months	4.75%
121 to 180 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 5.25% APR is a monthly payment of $80.39.

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.

Credit Cards
Product	*APR as low as
Visa Platinum – Rewards	9.90%
Visa Platinum – No Rewards	7.90%

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. 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%

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	0.30	0.30
12 Month – $50,000 Minimum / Tier 2	$50,000.00	0.35	0.35
12 Month – $75,000 Minimum / Tier 3	$75,000.00	0.40	0.40
18 Month – $500 Minimum / Tier 1	$500.00	0.30	0.30
18 Month – $50,000 Minimum / Tier 2	$50,000.00	0.35	0.35
18 Month – $75,000 Minimum / Tier 3	$75,000.00	0.40	0.40
24 Month – $500 Minimum / Tier 1	$500.00	0.35	0.35
24 Month – $50,000 Minimum / Tier 2	$50,000.00	0.40	0.40
24 Month – $75,000 Minimum / Tier 3	$75,000.00	0.45	0.45
30 Month – $500 Minimum / Tier 1	$500.00	0.35	0.35
30 Month – $50,000 Minimum / Tier 2	$50,000.00	0.40	0.40
30 Month – $75,000 Minimum / Tier 3	$75,000.00	0.45	0.45
36 Month – $500 Minimum / Tier 1	$500.00	0.45	0.45
36 Month – $50,000 Minimum / Tier 2	$50,000.00	0.50	0.50
36 Month – $75,000 Minimum / Tier 3	$75,000.00	0.55	0.55
48 Month – $500 Minimum / Tier 1	$500.00	0.55	0.55
48 Month – $50,000 Minimum / Tier 2	$50,000.00	0.60	0.60
48 Month – $75,000 Minimum / Tier 3	$75,000.00	0.65	0.65
60 Month – $500 Minimum / Tier 1	$500.00	0.70	0.70
60 Month – $50,000 Minimum / Tier 2	$50,000.00	0.75	0.75
60 Month – $75,000 Minimum / Tier 3	$75,000.00	0.80	0.80
Junior	$100.00	0.30	0.30