As a credit union, we go the extra mile to keep our loan rates very competitive. The bottom line is that you'll spend less on interest charges, whether you're applying for a mortgage, new or used car financing, a home equity line or a personal loan.

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Type Rates as low as Rate Type Term
Personal Line of Credit* 11.75% APR Variable No Set Term
Personal Loan** 13.108% APR Fixed up to 36 months
Lift Credit Builder*** 5.00% APR Fixed up to 36 months

The rate examples, current as of 2/6/2023, are TCU's best rate and subject to change without notice. All loans are subject to credit approval and membership requirements. APR = Annual Percentage Rate: Rate.

*Personal Line of Credit: Rates vary with Prime and can change monthly.

**Personal Loan: If you borrowed $2,000 at 13.108% APR for up to 36 months, your payments would be $66.99.

***Lift Credit Builder: Fixed rate, secured term loan. Using the loan amount, the money is placed in your share account and pledged. As payments are made, the pledged amount is reduced. If your payment is late, on the 26th day, the money in your share account will be used to pay off the loan. Minimum borrowed amount is $500. If you borrowed $2,000 at 5.00% APR for up to 36 months, your payment would be $60.07.

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New/Used Car, Pickup & SUV Loans

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Type Rates as low as Term
New (2022-2023) 7.597% APR 63 mo
Used (2019-2023) 7.897% APR 63 mo
Used (2018) 8.147% APR 63 mo
Used (2017) 8.448% APR 63 mo

Qualified members can finance up to 100%. Effective 1/17/2023. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
7.597% APR: 62 payments of $192.58 and a final payment of $192.48 with a total finance charge of $2,182.44.
7.897% APR: 63 mo payments of $194.04 and a final payment of $193.89 with a total finance charge of $2,274.37.
8.147% APR: 62 payments of $195.26 and a final payment of $195.20 with a total finance charge of $2,351.32.
8.448% APR: 63 mo payments of $196.74 and a final payment of $195.98 with a total finance charge of $2,443.86.

Rates shown do not include a 0.25% discount available to qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.

New/Used Motorcycle Loans

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Type Rates as low as Term
New (2022-2023) 7.797% APR 63 mo
Used (2019-2023) 7.997% APR 63 mo
Used (2018) 8.198% APR 63 mo
Used (2017) 8.648% APR 63 mo

Qualified members can finance up to 100%. Effective 1/17/2023. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
7.797% APR: 62 payments of $193.56 and a final payment of $192.84 with a total finance charge of $2,243.56.
7.997% APR: 63 mo payments of $194.53 and a final payment of $194.21 with a total finance charge of $2,305.07.
8.198% APR: 62 payments of $195.51 and a final payment of $195.10 with a total finance charge of $2,366.72.
8.648% APR: 63 mo payments of $197.72 and a final payment of $197.34 with a total finance charge of $2,505.98.

Rates shown do not include a 0.25% discount available to qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.Rates shown do not include a 0.25% discount for qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.

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Type Rates as low as Rate Type Term Loan to Value
Home Equity Loan 2nd Position* 9.00% APR Fixed 60 mo^ 90%

Rates subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term and the percentage of remaining equity in your home. APRs quoted above (and in the examples below) are based on a hypothetical  borrowed with estimated closing costs of . With zero closing cost and loan fees, your rate will equal your APR. If a full internal/external appraisal is required or requested you will be required to pay the appraisal fee which can be up to $750.

* 9.00% APR: 59 payments of $518.96 with a final payment of $518.89. Qualified members can finance 90% loan to value (less outstanding mortgage).

^Additional terms available.

See Products and Services Details for more information.

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Type Rates as low as Rate Type Term Loan to Value
Prime Equity Line* 7.50% APR Variable 10-year draw period followed by a 10-year amortized repayment period 80%
Equity Line Plus** 8.00% APR Variable 10-year draw period followed by a 10-year amortized repayment period 90%

Effective 2/1/2023. Minimum loan amount $5,000. Current APR is subject to change without notice. Term is a 10-year draw period followed by a 10-year amortized repayment period. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends.

A Home Equity Line of Credit is a variable-rate product. Rates adjust monthly based on the Prime Rate as published in the Wall Street Journal, and can vary to a low of 3.00% to a maximum of 12.00% (subject to change). See Products and Services Details for more information.

Payment Options During Draw Period:
1) 1% of the outstanding balance, or interest due, or $50 (whichever is greatest), OR
2) The greater of monthly interest due or $50 for qualified members

* Qualified members can finance up to 80% of home's value (less outstanding mortgage).

** Qualified members can finance up to 90% of home's value (less outstanding mortgage).

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Card Type Rates Points Earned on Purchases
TCU Visa® Platinum 0.00% intro rate for first 6 mos from the date account is opened, then 11.50%, 13.50%, 15.50%, 17.50% or 21.50% (based on your creditworthiness) for purchases and balance transfers apply. NA
TCU Visa® Signature Rewards 0.00% intro rate for first 6 mos from the date account is opened, then 15.50%, 17.50%, or 19.50% (based on your creditworthiness) for purchases and balance transfers applies. 1.5 pts. per dollar spent on eligible purchases
TCU Visa® Accelerate 19.99% APR fixed rate NA
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Type Rates as low as Term
New (2022-2023) 10.22% APR 180 mo
Used (2019-2023) 10.72% APR 180 mo
Used (2014-2018) 12.223% APR 144 mo

Qualified members can finance up to 100%. Effective 1/17/2023. Based on borrowing $50,000 , the following payments and costs would apply:
New (2022-2023): 10.22% APR: 179 payments of $545.67 and a final payment of $543.13 with a total finance charge of $48,268.06.
Used (2019-2023): 10.72% APR: 179 payments of $561.32 and a final payment of $558.00 with a total finance charge of $51,084.28.
Used (2014-2018): 12.223% APR: 143 payments of $665.97 and a final payment of $662.82 with a total finance charge of $49,946.53.

Rates shown do not include a 0.25% discount available to qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.Rates shown do not include a 0.25% discount for qualified members with Advantage, Ultimate or World checking accounts. See Products and Services Details for more information.