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Loan Rates

All rates are subject to change and subject to current TCU terms and conditions.

Please select a Loan from the dropdown menu to view detailed rate information.

Auto Loan Rates

Type of Loan Fixed Rate Variable Rate
New 2016 - 2017 Vehicles 4.25% APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 4.25%. If you borrowed $10,000 for 5 years you would make 59 payments of $185.33 with a final payment of $185.07 with a total finance charge of $1,119.54.
4.15% APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 4.15%. The rate may change so as always to be 0.40% above the following index rate: Prime Rate as published in the money section of the Wall Street Journal on the first day of the month preceding the change date. The interest rate will change quarterly and the change dates of the first of January, April, July and October. 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 on this note will not be more than 8.15% or less than 4.15%. If you borrowed $10,000 for 5 years you would make 59 payments of $184.88 with a final payment of $184.41 with total finance charges of $1,092.33.
Used Vehicles 2013 - 2016 4.35% APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 4.35%. If you borrowed $10,000 for 5 years you would make 59 payments of $186.92 with a final payment of $186.86 with a total finance charge of $1215.14.
5.35%APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 5.35%. The rate may change so as always to be 1.60% above the following index rate: Prime Rate as published in the money section of the Wall Street Journal on the first day of the month preceding the change date. The interest rate will change quarterly and the change dates of the first of January, April, July and October. 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 on this note will not be more than 9.35% or less than 5.35%. If you borrowed $10,000 for 5 years you would make 59 payments of $190.36 with a final payment of $190.31 with total finance charges of $1,421.55
Used Vehicles 2012 4.60% APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 4.60%. If you borrowed $10,000 for 5 years you would make 59 payments of $186.92 with a final payment of $186.86 with a total finance charge of $1,215.14.
5.35% APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 5.35%. The rate may change so as always to be 1.60% above the following index rate: Prime Rate as published in the money section of the Wall Street Journal on the first day of the month preceding the change date. The interest rate will change quarterly and the change dates of the first of January, April, July and October. 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 on this note will not be more than 9.35% or less than 5.35%. If you borrowed $10,000 for 5 years you would make 59 payments of $190.36 with a final payment of $190.31 with total finance charges of $1,421.55.
Used Vehicles 2011 4.95% APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 4.95%. If you borrowed $10,000 fo 4 years you would make 47 payments of $230.11 with a final payment of $229.94 with a total finance charge of $1045.11.
5.70% APR
Finance up to 100% for qualified borrowers. APR is Annual Percentage Rate. Current APR for qualified members is 5.70%. The rate may change so as always to be 1.95% above the following index rate: Prime Rate as published in the money section of the Wall Street Journal on the first day of the month preceding the change date. The interest rate will change quarterly and the change dates of the first of January, April, July and October. 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 on this note will not be more than 9.70% or less than 5.70%. If you borrowed $10,000 for 4 years you would make 47 payments of $233.53 with a final payment of $233.22 with total finance charges of $1209.13.
Rates effective 4/1/2017.

Home Equity Loan Rates

Type of Loan Fixed Rate Variable Rate
TCU Home Equity Line up to 90% Loan to Value N/A 3.75% APR
Finance up to 90% home value less outstanding mortgage for qualified borrowers. Minimum loan amount $5,000. APR is annual percentage rate. Current APR for qualified members is 3.75% and subject to change. Consult your tax advisor about the deductibility of interest. Term is 5 year draw period with 8 year repayment. Payments are 1% of the outstanding balance during draw period.
TCU Home Equity Loan up to 90% Loan to Value 5.00% APR
Finance 90% loan to value less outstanding mortgage for qualified borrowers. Minimum loan amount $5000. APR is Annual Percentage Rate. Current APR for qualified members is 5.00% and subject to change. Consult your tax advisor about the deductibility of interest. Maximum term is 10 years. Borrow $5,000 at 5.00% APR for 120 months for 119 payments of $53.03 and a final payment of $53.48 with a total finance charge of $1364.05.
N/A
Rates effective  4/1/17.

 

 

Personal Loan Rates

Type of Loan Fixed Rate Variable Rate
Personal Unsecured Line of Credit N/A 8.25% APR
APR is Annual Percentage Rate. Effective  6/16/2017, current APR for qualified members is 8.25%. The rate may change as always to be 4.0% 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 on this note will not be more than 18.0% or less than 4.0%. Payment is 3% of the balance at the last advance or $15 whichever is greater. If you borrowed $1,000 and never took another advance you would pay 35 payments of $31.22 and a final payment of $31.05 with a total finance charge of $123.75
Unsecured Personal Loan 8.75% APR
APR is Annual Percentage Rate. Terms to 36 months for qualified borrowers. Borrow $2,000 at 8.75% APR for 24 months for 23 payments of $90.67 and a final payment of $90.58 with a total finance charge of $175.99.
N/A
Rates effective 6/16/2017.

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Federally Insured by NCUA.
Teachers Credit Union, Lender NMLS #686706