|
|
|
Fixed Rate |
Variable Rate
|
APR *
(As low as) |
Payment
Per $1000 |
APR *
(As low as) |
Payment
Per $1000 |
| up to 60 |
5.99% (c) |
$19.34 |
3.75% (c) |
$18.31 |
|
New Cars, Boats,
Trucks, RV's ** 
New Auto
New Boat
New RV
Cars - 100% Financing
Boats - 90% Financing
|
|
Fixed Rate |
Variable Rate
|
APR *
(As low as) |
Payment
Per $1000 |
APR *
(As low as) |
Payment
Per $1000 |
| up to 60 |
4.99% |
$18.88 |
2.75% |
$17.87 |
| 61 to 72 (a) |
5.49% |
$16.34 |
2.75% |
$15.09 |
| 73 to 84 (b) |
5.49% |
$14.38 |
2.75% |
$13.11 |
| 85 to 144 (b)(c)(e) |
6.24% |
$9.89 |
2.75% (b)(c)(e) |
$8.17 |
| 145 to 180 (c)(e)(f) |
6.49% |
$8.72 |
2.75% (c)(e)(f) |
$6.80 |
| 181 to 240 (f)(h) |
6.99% |
$7.76 |
2.75% (d)(f) |
$5.43 |
*APR = annual percentage rate.
(a) Minimum Loan $10,000 on 61 to 72 month terms
(b) Minimum Loan $20,000 on 73 to 144 month terms
(c) New RV's and Boats Only
(d) Boats Only
(e) RV = 80% Financing
(f) Minimum Loan $25,000 on 145 to 240 month terms |
|
|
Used Cars, Boats,
Trucks, RV's ** 
New Auto
Used Auto
New/Used Boat
New/Used RV
Cars - 100% Financing
Boats - 90% Financing
|
|
Fixed Rate |
Variable Rate
|
APR *
(As low as) |
Payment
Per $1000 |
APR *
(As low as) |
Payment
Per $1000 |
| up to 60 |
5.49%(c) |
$19.11 |
2.75%(c) |
$17.87 |
| 61 to 72 (b) |
5.99%(c) |
$16.58 |
2.75%(c) |
$15.09 |
| 73 to 84 (d) |
5.99%(a) |
$14.61 |
2.75%(a) |
$13.11 |
| 85 to 144 (d)(e)(g) |
6.24% |
$9.89 |
2.75% (d)(e)(g) |
$8.17 |
| 145 to 180 (e)(g)(h) |
6.49% |
$8.72 |
2.75% (e)(g)(h) |
$6.80 |
| 181 to 240 (f)(h) |
6.99% |
$7.76 |
2.75% (f)(h) |
$5.43 |
*APR = annual percentage rate.
(a) Maximum Five (5) model years old (including current year)
(b) Minimum Loan $10,000 on 61 to 72 month terms
(c) Maximum Eight (8) model years old (including current year)
(d) Minimum Loan $20,000 on 73 to 144 month terms
(e) Boats Only
(f) RV = 80% Financing
(g) Minimum Loan $25,000 on 145 to 240 month terms
|
|
|
Lease-like Auto Loans **
New & Used    |
Term |
New APR |
Used APR |
| 24 |
4.99% |
4.99% (a) |
| 25 to 36 |
4.99% |
4.99% (a) |
| 37 to 48 |
4.99% |
4.99% (b) |
| 49 to 60 |
4.99% |
4.99% (c) |
Balloon Payment amount must be equal to 90% of residual value per ALG guide,
and loan request must exceed ALG residual value amount.
*APR = annual percentage rate.
(a) Maximum Three (3) model years old.
(b) Minimum Two (2) model years old.
(c) Maximum One (1) model year old. |
|
Visa Credit Cards  |
APR |
Terms |
Platinum |
 |
- No annual fee
- Low Fixed Rates
- 25 day grace period on purchases
- Easy monthly payments
 |
"Cash Back" Classic |
12.36% |
"No Frills" Classic |
 |
Student "No Frills" Classic |
9.36% |
Secured Classic |
6.72% |
|
Education Loan   |
APR |
Terms |
| Student Loans |
6.80% fixed |
up to 120 |
| Parent Loans (PLUS) |
8.50% fixed |
up to 120 |
| Graduate/Professional PLUS |
8.50% fixed |
up to 120 |
Alternative Student Loan ** |
8.50% fixed (As low as)
7.00% variable (As low as)
|
up to 180 |
Career Education Loan a b  |
9.00% fixed (As low as) |
up to 120 |
(a) Minimum Loan Amount: $1,000
(b) Maximum Loan Amount: $7,500 |
All rates and terms are subject to change without notice.
APR: Annual Percentage Rate
* For Homeowners Fixed, Unsecured, and Fixed & Variable Auto/Boat/RV Loans; alternative student loan rate will be based on credit history. For Variable Rate Auto/Boat/RV Loans, alternative student rate adjusts annually on the anniversary of the loan. Rate shown is the lowest rate available.
Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
** Rates are available for loans with Preauthorized Debit from TFCU Savings or Checking Account excluding Home Equity and Credit Cards. Loan rates without automatic payments will be .50% higher than those displayed.

Rates shown assume maximum discount for Educated Choice. Add .50% without maximum Educated Choice. For Visa credit cards, add .48% without maximum Educated Choice discount. Discount can be applied to existing credit cards, discount cannot be applied to existing consumer loans.