Rates :: Tri County

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 Months	1.99%
61 to 66 Months	2.99%
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 Months	2.24%
61 to 66 Months	3.24%
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 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 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 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

Home Equity Loans 80% LTV	*APR as low as (Primary Residence)	*APR as low as(Investment)
0 to 36 Months	3.00%	5.50%
37 to 72 Months	3.25%	5.75%
73 to 120 Months	4.00%	6.50%
121 to 180 Months	4.25%	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 Months	4.00%
37 to 72 Months	4.25%
73 to 120 Months	5.00%
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

Home Equity Line of Credit	*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	4.50%	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 – Rewards	10.65%
Visa Platinum – No Rewards	8.65%

Personal Line of Credit

Personal Line of Credit	*APR as low as
Personal Line of Credit	11.00%

Unsecured Loans

Unsecured Loans	*APR as low as
0-60 months	9.25%
*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 Loans	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	APY*
Share Account	$0.00 – $999.99	0.050	0.05
Share Account	Over $1,000.00	0.050	0.05
Club & Alternate Savings Accounts	$0.00	0.050	0.05
Interest Checking Account	$700.00	0.050	0.05
Money Market Plus	$0.00 – $2,499.99	0.00	0.00
Money Market Plus	$2,500 – $49,999.99	0.15	0.15
Money Market Plus	$50,000 – $99,999.99	0.15	0.15
Money Market Plus	Over $100,000	0.15	0.15
Accumulative IRA Accounts	$0.00	0.30	0.30

Business Savings & Checking

Business Savings & Checking	Minimum Balance to Earn APY*	Dividend Rate	APY*	Term	Calculator
Basic Business Savings	0	0.05	0.05	n/a	calccalc
Business Money Market	$0.00 – $2,499.99	0.00	0.00	n/a	calccalc
Business Money Market	$2,500 – 49,999.99	0.15	0.15	n/a	calccalc
Business Money Market	$50,000 – 99,999.99	0.15	0.15	n/a	calccalc
Business Money Market	Over $100,000	0.15	0.15	n/a	calccalc
Basic Business Checking	0	0.05	0.05	n/a	calccalc
Business Premium Checking	0	0.05	0.05	n/a	calccalc
Business Money Market Checking	$0.00 – $2,499.99	0.00	0.00	n/a	calccalc
Business Money Market Checking	$2,500 – $49,999.99	0.10	0.10	n/a	calccalc
Business Money Market Checking	$50,000 – $99,999.99	0.10	0.10	n/a	calccalc
Business Money Market Checking	Over $100,000	0.10	0.10	n/a	calccalc

Certificates

Certificates	Minimum Balance	Dividend Rate	APY*	Term
12 Month – $500 Minimum / Tier 1	$500.00	0.400	0.400	12
12 Month – $50,000 Minimum / Tier 2	$50,000.00	0.450	0.450	12
12 Month – $75,000 Minimum / Tier 3	$75,000.00	0.500	0.500	12
18 Month – $500 Minimum / Tier 1	$500.00	0.500	0.500	18
18 Month – $50,000 Minimum / Tier 2	$50,000.00	0.550	0.550	18
18 Month – $75,000 Minimum / Tier 3	$75,000.00	0.650	0.650	18
24 Month – $500 Minimum / Tier 1	$500.00	0.700	0.700	24
24 Month – $50,000 Minimum / Tier 2	$50,000.00	0.750	0.750	24
24 Month – $75,000 Minimum / Tier 3	$75,000.00	0.800	0.800	24
30 Month – $500 Minimum / Tier 1	$500.00	0.900	0.900	30
30 Month – $50,000 Minimum / Tier 2	$50,000.00	0.950	0.950	30
30 Month – $75,000 Minimum / Tier 3	$75,000.00	1.00	1.010	30
36 Month – $500 Minimum / Tier 1	$500.00	1.050	1.060	36
36 Month – $50,000 Minimum / Tier 2	$50,000.00	1.100	1.110	36
36 Month – $75,000 Minimum / Tier 3	$75,000.00	1.150	1.160	36
48 Month – $500 Minimum / Tier 1	$500.00	1.300	1.310	48
48 Month – $50,000 Minimum / Tier 2	$50,000.00	1.350	1.360	48
48 Month – $75,000 Minimum / Tier 3	$75,000.00	1.400	1.410	48
60 Month – $500 Minimum / Tier 1	$500.00	1.600	1.610	60
60 Month – $50,000 Minimum / Tier 2	$50,000.00	1.650	1.660	60
60 Month – $75,000 Minimum / Tier 3	$75,000.00	1.700	1.710	60
Junior	$100.00	0.400	0.400	12

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