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
Unsecured Line of Credit* 7.25% APR Variable No Set Term
Unsecured Loan** 7.75% APR Fixed 36 mo

*Effective 3/18/2020. 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 15.50% 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 39 payments of $30.00 and a final payment of $5.79 with a total finance charge of $115.79.

**Effective 3/18/2020. Terms to 36 mo. If you borrowed $2,000 at 7.75% APR for 36 mo, you would make 35 payments of $62.46 and a final payment of $62.33 with a total finance charge of $248.43.

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New/Used Car, Pickup & SUV Loans

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Type Rates as low as Term
New (2020-2021) 3.996% APR 63 mo
Used (2017-2021) 4.296% APR 63 mo
Used (2016) 4.546% APR 63 mo
Used (2015) 4.896% APR 63 mo

Qualified members can finance up to 100%. Effective 03/03/2021. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
3.996% APR: 62 payments of $175.79 and a final payment of $175.36 with a total finance charge of $1,099.34.
4.296% APR: 63 mo payments of $177.15 and a final payment of $176.50 with a total finance charge of $1,184.80.
4.546% APR: 62 payments of $178.28 and a final payment of $178.08 with a total finance charge of $1,256.44.
4.896% APR: 63 mo payments of $179.88 and a final payment of $179.49 with a total finance charge of $1,357.05.

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 (2020-2021) 4.196% APR 63 mo
Used (2017-2021) 4.396% APR 63 mo
Used (2016) 4.596% APR 63 mo
Used (2015) 5.046% APR 63 mo

Qualified members can finance up to 100%. Effective 03/03/2021. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
4.196% APR: 62 payments of $176.69 and a final payment of $176.53 with a total finance charge of $1,156.31.
4.396% APR: 63 mo payments of $177.60 and a final payment of $177.20 with a total finance charge of $1,213.40.
4.596% APR: 62 payments of $178.51 and a final payment of $178.13 with a total finance charge of $1,270.75.
5.046% APR: 63 mo payments of $180.57 and a final payment of $180.06 with a total finance charge of $1,400.40.

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 1st Position* 3.25%% APR Fixed 60 mo^ 80%
Home Equity Loan 2nd Position** 5.25%% 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 $5,000 borrowed with estimated closing costs of$0. 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.

* 3.25% APR: 60 payments of $90.40 with a total finance charge of $424.02. Qualified members can finance 80% loan to value (less outstanding mortgage). A first position loan is available only if there is no outstanding mortgage balance or other first-lien obligation. 

** 5.25% APR: 60 payments of $94.93 with a total finance charge of $695.82. 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* 3.25% APR Variable 10-year draw period followed by a 10-year amortized repayment period 80%
Equity Line Plus** 3.75% APR Variable 10-year draw period followed by a 10-year amortized repayment period 90%

Effective 4/30/21. 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 1.99% APR Intro Rate NA
TCU Visa® Signature Rewards 1.99% APR Intro Rate 1.5 pts. per dollar spent on eligible purchases
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Type Rates as low as Term
New (2020-2021) 6.101% APR 60 mo
Used 6.624% APR 48 mo

Qualified members can finance up to 100%. Effective 03/03/2021. Based on borrowing $10,000 , the following payments and costs would apply:
New: 6.101% APR: 59 payments of $193.32 and a final payment of $192.91 with a total finance charge of $1,623.79.
Used: 6.624% APR: 47 payments of $237.13 and a final payment of $236.86 with a total finance charge of $1,406.97.

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.