A Personal Loan or Line of Credit can help when you need it.
Even if you've managed to set aside some funds for an emergency, you can't always be prepared for life's twists and turns. At TCT, we're here to help when you need it most. TCT offers competitive rates with fast, personal, and confidential service.
To get started you can apply today or complete the form below and one of our Member Service Specialists will reach out to learn more about your financing goals.
Personal Loans come in handy when you have a large expense that may take a little longer to pay off than a credit card purchase.
- Minimum $500, Maximum $30,000
- Terms up to 5 years
Personal Line of Credit
Our personal credit lines offer you peace of mind when you're faced with unexpected costs.
- Minimum $500, Maximum $20,000
- Advances made in $100 increments
- APR as low as 8.96% APR*
|Term||APR (Rates as low as)||Monthly Payment per $1,000|
|1 Year (12 month)||7.24%||$86.63|
|3 Year (36 month)||7.24%||$30.99|
|5 Year (60 month)||9.24%||$20.88|
|Minimum Loan Amount = $500 | Maximum Loan Amount = $30,000|
The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT checking account.
VISA® Platinum Credit Card
Not all cards are created equal. We think ours is pretty great, and we think you will too. No annual fee, No balance transfer fee, Cashback Rewards, and Fixed low rates – means your rate won't go up.
Free up more cash this season by requesting to skip your eligible loan payment in November or December!
Restrictions apply. Must submit a Request to Skip form before your payment is due.
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.
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