Vehicle Loan Rates

Vehicle Model Years - 2011 and Newer
Term APR * (Rates as low as) Monthly Payment Per $1000
3 Year (36 month)
4 Year (48 month)
5 Year (60 month)
6 Year (72 month)**
7 Year (84 month)***
1.99%
1.99%
1.99%
2.99%
3.99%
$28.63
$21.69
$17.52
$15.18
$13.66
**The six (6) year term requires a minimum loan amount of $15,000
***The seven (7) year term is eligible for current model year only,
and requires a minimum loan amount of $30,000 along with a 10% down payment.

 

Vehicle Model Years - 2010 and Previous
Term APR *(Rates as low as) Monthly Payment Per $1000
3 Year (36 month)
4 Year (48 month)
5 Year (60 month)
2.75%
2.99%
2.99%
$28.97
$22.12
$17.96

 

Sport Craft - Up to 5 Model Years
Term APR *(Rates as low as) Monthly Payment Per $1000
3 Year (36 month)
4 Year (48 month)
5 Year (60 month)
4.99%
5.99%
6.99%
$29.96
$23.48
$19.79

 

*Important Facts 
  • APR = Annual Percentage Rate, Interest rates are quoted using the rate available, Your individual credit qualifications will determine rate and term.
  • 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 purposes of this rate sheet, vehicles are defined as automobiles, SUVs and motorcycles. Sport crafts are defined as all terrain or all purpose vehicles, snowmobiles, dirt bikes, and personal watercraft.
  • Low cost GAP Protection is available on all vehicle and sport craft loans.
  • TCT FCU requires collision and comprehensive insurance on all vehicle loans.

Rates are subject to change without prior notice and are accurate as of January 2, 2014.

Loans granted to members only, contact us for membership eligibility requirements.  This credit union is federally insured by the National Credit Union Administration. 









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