Make fun affordable
Whether you want to ride the waves or hit the open road, TCT has an option for you to finance your recreational vehicle. Choose from a variety of competitive rates and terms to meet your needs. With fast local decisions, we make it easy to get going. Plus, enjoy no payments for 90 days, and a 0.25% loan rate discount when you set up automatic loan payments from a TCT checking account or payroll deduction.
|Term||APR* (Rates as low as)||Monthly Payment per $1000|
|MODEL YEARS: 2022 & NEWER|
|3 Year (36 month)||5.24%||$30.08|
|5 Year (60 month)||6.49%||$19.57|
|8 Year (96 month)||7.49%||$13.88|
|10 Year (120 month)||8.49%||$12.40|
|15 Year (180 month)||10.00%||$10.75|
|MODEL YEARS: 2021 & OLDER|
|3 Year (36 month)||6.24%||$30.54|
|5 Year (60 month)||7.75%||$20.16|
|10 Year (120 month)***||9.49%||$12.94|
|15 Year (180 month)****||10.49%||$11.06|
|*** The 10 Year Term requires a minimum loan amount of $10,000.|
**** The 15 Year Term requires a minimum loan amount of $20,000.
Individual credit qualifications may have down payment requirements.
Interest Rates are quoted using the lowest Annual Percentage Rate (APR) available. Your individual credit qualifications will determine your rate and term.
The disclosed rates include a .25% rate discount for automatic payment from a TCT checking account or payroll deduction.
Under the Credit Union’s guidelines for lending and the purposes 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 boat and recreational vehicle loans, various restrictions apply.
TCT FCU requires collision and comprehensive insurance on all vehicle loans.
If you're delinquent in your loan payments — or expect to be — the best thing to do is to contact us right away.
While it can be stressful and overwhelming to contact your lender(s), early communication puts you in a positive light. Foreclosure or repossession is very costly for a lender, and we would generally prefer to help you get back on track to keep your home or vehicle. When contacting your lender(s) be honest. Describe your situation and know how much money you have available to make payments – do not agree to a payment that is not feasible with your current budget.
As a member of TCT, you can take advantage of the GreenPath Financial Wellness program, a free financial education, and counseling program.
No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan.