Boat & RV Rates

Model Years - 2011 and Newer
Approximate Repayment Terms	Minimum APR - Maximum APR
3 Year (36 Month) 5 Year (60 Month) 8 Year (96 Month)* 10 Year (120 Month)** 15 Year (180 Month)***	3.95% - 10.20% 5.00% - 11.25% 7.25% - 13.50% 7.40% - 13.65% 7.74% - 8.99%
*The eight year term requires a minimum loan amount of $15,000 **The ten year term requires a minimum loan amount of $20,000 ***The fifteen year term requires a minimum loan amount of $20,000 Individual credit qualification may have down payment requirements

Model Years - 2010 and Previous
Approximate Repayment Terms	Minimum APR - Maximum APR
3 Year (36 Month)* 5 Year (60 Month)** 10 Year (120 Month)*** 15 Year (180 Month)****	4.70% - 10.95% 5.75% - 12.00% 7.60% - 8.85% 7.80% - 9.05%
*The three year term requires a minimum vehicle value of $3,000 **The five year term requires a minimum vehicle value and loan amount of $10,000 ***The ten year term requires a minimum loan amount of $15,000 ****The fifteen year term requires a minimum loan amount of $20,000 Individual credit qualifications may have down payment requirements

Important Facts

APR = Annual Percentage Rate, Interest rates are quoted using a range from the Minimum APR to the Maximum APR. Your individual credit qualifications will determine rate and term within the respectable ranges. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT checking account. Under the Credit Union's guidelines for lending and the purpose of this rate sheet, boats, boat trailers (based on model) and recreational vehicles must be titled and RVs are defined as; Motor Homes, Travel Trailers, and Fifth Wheel Trailers. Low cost GAP Protection is available on all vehicle loans and may be required depending on your individual credit qualifications and the actual loan to value. TCT FCU requires collision and comprehensive insurance on all vehicle loans.

Rates are subject to change without any prior notice and are accurate as of January 1, 2012.

This credit union is federally insured by the National Credit Union Administration.

Loans granted to members only, contact us for membership eligibility requirements.