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Consumer Loan Rates

Mortgage Rates | Home Equity Rates | Deposit Product Rates
Information = Information Application = Application Calculator = Calculator Educated Choice = Educated Choice
Rates Effective: 04/01/2012
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Term

(months)

APR *

(As low as)

Payment Per $1000

(based on Discount Rate
for longest term)
Unsecured Personal Loan **
Fixed RateInformationApplication Calculator		 up - 60 10.65% $21.58
Teachers' Advantage **
Line-of-Credit InformationApplicationEducated Choice
• Variable Rate - Interest Rate
      adjusts quarterly		 Open end 6.75% Variable $20.00
New Motorcycles Application Calculator

Motorcycles - 90% Financing
 Term (months) Fixed Rate
APR *
(As low as)		 Payment
Per $1000
up to 60 2.74% $17.86
Used Motorcycles **Application

• Maximum five (5) model years old
(including current year)
 up to 60 4.54% $18.67
New Cars, Boats, Trucks, RVs Information Calculator

New Auto Application
New Boat Application
New RV Application

Cars - 100% Financing
Boats - 90% Financing
 Term (months) Fixed Rate
APR *
(As low as)		 Payment
Per $1000
up - 60 1.74% $17.42
61 - 72 (a) 2.24% $14.86
73 - 84 (b) 2.99% $13.21
85 - 96 (j) 3.49% $11.96
97 - 144 (c)(e)(g)(i) 3.74% $8.64
145 - 180 (d)(h)(i) 3.99% $7.40
181 - 240 (d)(f)(i) 4.49% $6.33
Save $500 off your next new or pre-owned vehicle purchase NYS DMV - Point Insurance Reduction Program
*APR = annual percentage rate.
(a) Minimum Loan $10,000 on 61 - 72 month terms
(b) Minimum Loan $20,000 on 73 - 84 month terms
(c) New RV's and Boats Only
(d) Boats Only
(e) RV = 80% Financing
(f) Minimum Loan $50,000 on 181 - 240 month terms
(g) Minimum Loan $35,000 on 97 - 144 month terms
(h) Minimum Loan $40,000 on 145 - 180 month terms
(i) Boats = 90% financing
(j) Minimum Loan $30,000 on 85 - 96 month terms
Variable Rates Available
Used Cars, Boats, Trucks, RV's **Information Calculator

Used Auto Application
Used Boat Application
Used RV Application

Cars - 100% Financing
Boats - 90% Financing
 Term (months) Fixed Rate Variable Rate
APR *
(As low as)		 Payment
Per $1000		 APR *
(As low as)		 Payment
Per $1000
up - 60 (a) 2.99% $17.97    
up - 60 (c) 3.54% $18.08 2.75% $17.87
61 - 72 (a)(b) 4.29% $15.77 2.75% $15.09
73 - 84 (d)(i)(j) 5.39% $14.33 2.75% $13.11
85 - 96 (e)(i) 5.89% $13.09 2.75% $11.63
97 - 144 (f)(i) 6.14% $9.84 2.75% $8.17
145 - 180 (g)(i) 6.29% $8.60 2.75% $6.80
181 - 240 (h)(i) 6.89% $7.69 2.75% $5.43

*APR = annual percentage rate.
(a) Maximum Three (3) model years old (including current year)
(b) Minimum Loan $10,000 on 61 - 72 month terms
(c) Maximum Four (4) and Five (5) model years old (including current year)
(d) Minimum Loan $20,000 on 73 - 84 month terms
(e) Minimum Loan $30,000 on 85 - 96 month terms
(f) Minimum Loan $35,000 on 97 - 144 month terms
(g) Minimum Loan $40,000 on 145 - 180 month terms
(h) Minimum Loan $50,000 on 181 - 240 month terms
(i) Boat Only
(j) RV Only (80% financing), maximum three (3) model years old (including current year)

Lease-like Auto Loans
New & Used InformationApplication Calculator		 Term (months) New APR Used APR **
24 2.24% 3.79% (a)
25 - 36 2.24% 3.79% (a)
37 - 48 2.24% 3.79% (a)
49 - 60 2.24% 3.79% (a)
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 Information Educated Choice Calculator APR Terms
PlatinumApplication Special Low Rate!
Educated Choice
Rates shown assume maximum Educated Choice discount. Scroll to page bottom for details.
  • No annual fee
  • Low Rates
  • 25 day grace period on purchases
  • Easy monthly payments
"Cash Back" ClassicApplication 12.36%
"No Frills" ClassicApplication Special Low Rate!
Student "No Frills" ClassicApplication 9.36%
Secured Classic Application 6.72%
For loans first disbursed between July 1, 2009 - June 30, 2010
Education Loans InformationApplication APR Terms (months)
Alternative Student Loan** 9.00% fixed (As low as)
2.50% variable (As low as)
up to 180
Career Education Loan (a) (b) Application 9.00% fixed (As low as) up to 120
(a) Minimum Loan Amount: $1,000
(b) Maximum Loan Amount: $9,000
All rates and terms are subject to change without notice.
APR: Annual Percentage Rate

* For 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.

Educated Choice 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.