Rates

Rates Effective as of 03/18/2020
Rates are subject to change

Auto Loans

New Auto & Motorcycles (2021-2019)

New Auto & Motorcycle Loans (2021 – 2019)
Term *APR as low as
0 to 36 Months 2.74%
37 to 60 Months 2.99%
61 to 72 Months (Minimum Loan Amount – $15,000) 3.74%
73 to 84 Months (Minimum Loan Amount – $25,000) 4.74%
*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 2.74% APR is a monthly payment of $289.67. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Used Auto & Motorcycles (2019-2013)

Used Auto & Motorcycles (2019-2013)
Term *APR as low as
0 to 36 Months 2.99
37 to 60 Months 3.24%
61 to 72 Months (Minimum Loan Amount – $15,000) 3.99%
73 to 84 Months (Minimum Loan Amount – $25,000) 4.99%
*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 2.99% APR is a monthly payment of $290.77. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Older Used Auto & Motorcycles ( 2012 or Older)

Older Used Auto & Motorcycles ( 2012 or Older)
Term *APR as low as
0 to 48 Months 5.49%
49 to 60 Months 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 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 5.49% APR is a monthly payment of $232.52. 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
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

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

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

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

Credit Cards
Product *APR as low as
Visa Platinum – Rewards 12.15%
Visa Platinum – No Rewards 10.15%

Personal Line of Credit

Personal Line of Credit
Product *APR as low as
Personal Line of Credit 10.50%

Unsecured Loans

Unsecured Loans
Term *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
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
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 0.10 0.10
Money Market Plus $50,000.00 – $99,999.99 0.15 0.15
Money Market Plus $100,000.00 + 0.20 0.20
Accumulative IRA Accounts $0.00 0.30 0.30

Business Savings & Checking

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 0.10 0.10
Business Money Market $50,000.00 – $99,999.99 0.15 0.15
Business Money Market $100,000.00 + 0.20 0.20
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 0.10 0.10

Certificates

Certificates
Certificate Minimum Balance Dividend Rate APY*
12 Month – $500 Minimum / Tier 1 $500.00 0.60 0.60
12 Month – $50,000 Minimum / Tier 2 $50,000.00 0.65 0.65
12 Month – $75,000 Minimum / Tier 3 $75,000.00 0.70 0.70
18 Month – $500 Minimum / Tier 1 $500.00 0.65 0.65
18 Month – $50,000 Minimum / Tier 2 $50,000.00 0.70 0.70
18 Month – $75,000 Minimum / Tier 3 $75,000.00 0.75 0.75
24 Month – $500 Minimum / Tier 1 $500.00 0.70 0.70
24 Month – $50,000 Minimum / Tier 2 $50,000.00 0.75 0.75
24 Month – $75,000 Minimum / Tier 3 $75,000.00 0.80 0.80
30 Month – $500 Minimum / Tier 1 $500.00 0.75 0.75
30 Month – $50,000 Minimum / Tier 2 $50,000.00 0.80 0.80
30 Month – $75,000 Minimum / Tier 3 $75,000.00 0.85 0.85
36 Month – $500 Minimum / Tier 1 $500.00 0.80 0.80
36 Month – $50,000 Minimum / Tier 2 $50,000.00 0.85 0.85
36 Month – $75,000 Minimum / Tier 3 $75,000.00 0.90 0.90
48 Month – $500 Minimum / Tier 1 $500.00 0.90 0.90
48 Month – $50,000 Minimum / Tier 2 $50,000.00 0.95 0.95
48 Month – $75,000 Minimum / Tier 3 $75,000.00 1.00 1.01
60 Month – $500 Minimum / Tier 1 $500.00 1.15 1.16
60 Month – $50,000 Minimum / Tier 2 $50,000.00 1.20 1.21
60 Month – $75,000 Minimum / Tier 3 $75,000.00 1.25 1.26
Junior $100.00 0.60 0.60

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