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Auto and Motorcycle Loan Rates
Effective Date: February 7, 2018
TermAPR* (Rates as low as)Monthly Payment per $1000
CONVENTIONAL AUTO LOAN MODEL YEARS: 2015 & NEWER
3 Year (36 Month) 1.74% $28.52
5 Year (60 Month) 2.24% $17.64
6 Year (72 month)** 2.74% $15.08
7 Year (84 month)*** 4.24% $13.79
** The 6 Year Term requires a minimum loan amount of $15,000.
*** The 7 Year Term is eligible for the current model year only and requires a minimum loan amount of $30,0000.
 
CONVENTIONAL AUTO LOAN MODEL YEARS: 2014 & OLDER
3 Year (36 Month) 2.25% $28.76
4 Year (48 Month) 2.74% $22.03
5 Year (60 Month) 2.99% $17.97
6 Year (72 month)** 3.24% $15.31
** The 6 Year Term requires a minimum loan amount of $20,000.
*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.
 

Payment Saver Auto Loan Rates
Effective Date: February 7, 2018
TermAPR* (Rates as low as)Monthly Payment per $1000
MODEL YEARS: 2015 & NEWER
3 Year (36 month) 2.49% $28.86
5 Year (60 month) 2.99% $17.97
6 Year (72 month)** 3.49% $15.42
** The 6 Year Term requires a minimum loan amount of $15,000.
MODEL YEARS: 2014 & 2013
3 Year (36 month) 3.00% $29.09
4 Year (48 month) 3.49% $22.36
5 Year (60 month) 3.74% $18.31
*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.
 

Personal Loan Rates - Spring Sale
Effective Date: March 5, 2018
TermAPR* (Rates as low as)Monthly Payment per $1000
3 Year (36 month) 4.99% $29.97
5 Year (60 month) 6.99% $19.80
Minimum Loan Amount = $500 | Maximum Loan Amount = $30,000
The disclosed rates reflect a 1.00% special rate discount for applying online and a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT checking account. Existing TCT loans are excluded from this special, limited time offer good March 5, 2018, through April 30, 2018.
*APR = Annual Percentage Rate, Interest rates are quoted using the lowest rate available, Your individual credit qualifications will determine rate and term.

Personal Line of Credit
Approximate Repayment TermsMinimum APRMaximum APR
Revolving 8.96% 15.21%
Minimum Loan Amount: $500 | Maximum Loan Amount: $20,000

Overdraft Line of Credit
Approximate Repayment TermsMinimum APRMaximum APR
Revolving 8.96% 15.21%
Minimum Loan Amount: $250 | Maximum Loan Amount: $2,500

Share Secured Loan
TermAPR*
Up to 3 Year (36 month) 2.00%
Up to 5 Year (60 month) 4.00%

Certificate Secured Loan
TermAPR*
Up to the term of the certificate Certificate Rate + 2.00%

VISA Platinum Credit Card
Minimum APR Maximum APR
Cash Advances 6.96% 14.96%
Balance Transfers 6.96% 14.96%
Purchases 8.96% 16.96%
25-Day Grace Period for Purchases | No Annual Fee | No Minimum Finance Charge | No Transaction Fee for Purchases | Method for calculating balances for purchases: Average daily balance (including new purchases)

Boat and RV Loan Rates
Effective Date: February 7, 2018
TermAPR* (Rates as low as)Monthly Payment per $1000
MODEL YEARS: 2016 & NEWER
3 Year (36 month) 2.99% $29.07
5 Year (60 month) 4.24% $18.53
8 Year (96 month) 5.24% $12.78
10 Year (120 month) 6.24% $11.23
15 Year (180 month) 7.75% $9.42
MODEL YEARS: 2015 & OLDER
3 Year (36 month) 3.99% $29.51
5 Year (60 month) 5.50% $19.11
10 Year (120 month)*** 7.24% $11.74
15 Year (180 month)**** 7.75% $9.42
*** The 10 Year Term requires a minimum loan amount of $15,000.
**** 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.

Sport Craft Vehicle Loan Rates
TermAPR* (Rates as low as)Monthly Payment per $1000
UP TO 5 MODEL YEARS
3 Year (36 month) 4.99% $29.96
4 Year (48 month) 5.99% $23.48
5 Year (60 month) 6.99% $19.79

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, sport craft vehicles are defined as all terrain or all purpose vehicles, snowmobiles, dirt bikes, and personal water craft.

TCT FCU requires collision and comprehensive insurance on all vehicle loans.

Home Equity Loan Rates
Effective Date: February 7, 2018
TermAPR* (Fixed Rates as low as)Monthly Payment per $1000
1st LIEN-HOLDER POSITION
5 Year (60 month) 3.50% $18.20
10 Year (120 month) 3.74% $10.01
15 Year (180 month) 4.25% $7.53
2nd LIEN-HOLDER POSITION
5 Year (60 month) 3.74% $18.31
10 Year (120 month) 5.00% $10.61
15 Year (180 month) 5.74% $8.31
Minimum Loan Amount: $10,000 | Maximum Loan Amount: $250,000
Maximum Loan to Value (LTV) up to 80%

Home Equity Line of Credit
Premier Plan*Preferred Plan*
2.49% APR
Variable Rate Plan:
3.49% APR
Variable Rate Plan:
Initial rate is discounted for the first 36 months, thereafter prime rate
plus 0% for the life of the loan
Initial rate is discounted for the first 36 months, thereafter prime rate plus 1.00% for the life of the loan
Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor of 4.00%, except for the introductory rate offered Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor rate of 5.00%, except for the introductory rate offered

*Current Prime Rate as of March 27, 2018 is 4.75%.

20 Year Repayment Period | 10 Year Draw Period

Minimum Line of Credit Amount: $10,000 | Maximum Line of Credit Amount: $250,000
Individual credit qualifications will determine your plan and rate.
Index is the Prime Rate as published in the Wall Street Journal 30 days prior to the anniversary date.

Max Home Equity Loan
Effective Date: February 7, 2018
TermAPR* (Fixed Rates as low as)Monthly Payment per $1000
5 Year (60 month) 6.99% $19.81
10 Year (120 month) 7.74% $12.00
15 Year (180 month) 8.00% $9.57
Minimum Loan Amount: $10,000 | Maximum Loan Amount: $25,000
Maximum Loan to Value (LTV) up to 90%

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“I recently had the pleasure of working with TCT on a home equity loan that consolidated my mortgage, second mortgage, and credit card debt. I now save over $1,100 monthly without extending the remaining time on my mortgage loan. Talk about a lifesaver!”

— William G.

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