We offer two loan rate discounts. New Members may receive .25% off their loan rate on eligible loans taken within their first 30 days of membership¹. We also allow an additional .25% off when you set-up automatic loan payments from a TCT checking account or payroll deduction¹. TCT Members also have the option to select their payment date and frequency; monthly or bi-weekly and to defer your first payment up to 90 days.²

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¹Real estate, credit cards, student loans and revolving lines of credit do not qualify for the rate discount. 
²Payment saver auto loans, real estate, credit cards, student loans and revolving lines of credit do not qualify for the 90-day deferment.