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Sooner or later, you’re going to want to buy a car. Or a house. Whenever the need arises, we have financing solutions that can help you get the most out of life.
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.
*Effective 1/1/2019. Rate may change so as always to be 4.00% above the following index rate: Prime Rate as published in the money section of the Wall Street Journal on the fifth day of the month preceding the change date. The interest rate will change monthly and the Change Date(s) are the first day of every month. If the change date falls on a holiday, the rate will be based on the Prime Rate published the next business day. The annual interest rate in effect will not be more than 18.00% or less than 4.00%. Payment is either 3.00% of the balance at the last advance or $15.00, whichever is greater. If you borrowed $1,000 and never took another advance you would make 38 payments of $30.00 and a final payment of $25.53 with a total finance charge of $165.53.
**Effective 1/1/2019. Terms to 36 mo. If you borrowed $2,000 at 10.00% APR for 36 mo, you would make 35 payments of $64.54 and a final payment of $64.13 with a total finance charge of $323.03.
Qualified members can finance up to 100%. Effective 3/4/2019. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
5.25% APR: 62 payments of $182.01 and a final payment of $181.43 with a total finance charge of $1446.05.
5.50% APR: 63 mo payments of $183.17 and a final payment of $182.50 with a total finance charge of $1,539.04.
5.75% APR: 62 payments of $184.33 and a final payment of $183.84 with a total finance charge of $1,612.30.
5.90% APR: 63 mo payments of $185.03 and a final payment of $184.50 with a total finance charge of $1,656.36.
*Qualified members can finance up to 90% of home's value (less outstanding mortgage). Minimum loan amount $5,000. Effective 1/1/2019. Current APR is subject to change without notice. A Home Equity Line of Credit is a variable-rate product. APR adjusts to an amount equal to the Prime Rate (As published in the Wall Street Journal) less 0.26%, with a floor rate at that time of 3.75% (subject to change). Term is 5-yr Draw with 8-yr Repayment. 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. Payments are 1.00% of the outstanding balance during draw period or $50.00, whichever is greater.
**Qualified members can finance 90% loan to value (less outstanding mortgage). Minimum loan amount $5,000. Effective 1/1/2019. Current APR is 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. Your APR will vary based on your final loan amount and actual finance charges. APR quoted above is based on a hypothetical $5,000 borrowed with estimated closing costs of $987. Maximum term is Up to 10 yrs years.
All loans subject to credit approval and membership requirements. See Products and Services Details for more information.
Teachers Credit Union is not responsible for accuracy, security, content, or services offered by other websites; we encourage you to view privacy & security disclosures of all websites you visit as they may be different than those of Teachers Credit Union.
Welcome to the new TCU website! There's plenty to see and lots you can do here. Your busy schedule demands flexible options, so we’ve made it easy for you to access Online Banking from any page. See what else is new by taking our site tour.
When you’re weighing options and financial decisions, you want sound advice – fast. With our Solutions Finder tool, choose the goal you wish to accomplish and access immediate results for the best TCU products and services to help you reach your goal.
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Better tools can help you make better financial decisions! Use our financial calculators to see how you can save more, borrow wisely and much more. Check our blog frequently for fresh and relevant content that shows you how to get more out of your money. And get quick access to our rates to see how you can save more on loans and earn more on savings.
Now that you’ve seen the highlights of our new site, go explore it on your own! Our updated navigation makes it easier than ever to find information about the TCU products and services that interest you most. Take your time – there’s a lot to see!