Automobile & Motorcycle Loan Rates

Automobile and Motorcycle Model Years - 2013 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)***
1.74%
1.99%
1.99%
2.49%
3.99%
$28.52
$21.69
$17.52
$14.96
$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

 

Automobile and Motorcycle Model Years - 2012 and Previous
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)****
2.25%
2.49%
2.74%
3.49%
$28.76
$21.90
$17.85
$15.41

****The six (6) year term requires a minimum loan amount of $20,000

 

PAYMENT SAVER Automobile Model Years - 2013 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)**
2.49%
2.74%
2.74%
3.24%
$28.86
$22.03
$17.86
$15.31
**The six (6) year term requires a minimum loan amount of $15,000

PAYMENT SAVER Automobile Model Years - 2011 and 2012
Term APR *(Rates as low as) Monthly Payment Per $1000
3 Year (36 month)
4 Year (48 month)
5 Year (60 month)
3.00%
3.24%
3.49%
$29.09
$22.25
$18.19

 

 

*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 automobile and motorcycle loans.

Rates are subject to change without prior notice and are accurate as of March 14, 2016.

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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