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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: 1/1/2009

Term

(months)

APR *

(As low as)

Payment Per $1000

(based on Discount Rate
for longest term)
Homeowner Loan **InformationApplicationEducated Choice
(a) Maximum Loan $50,000
(b) Variable Rate - Adjusts annually
      on anniversary date of loan 		up to 84 6.75% fixed $14.98
85 to 144 7.75% fixed $10.70
145 to 180 8.25% fixed $9.71
up to 180 3.50% variable $7.79
Unsecured Personal Loan **
Fixed RateInformationApplicationEducated Choice Calculator		 up to 24 10.65% $46.46
25 to 36 11.15% $33.82
37 to 48 11.65% $26.17
49 to 60 12.15% $22.33
Teachers' Advantage **
Line-of-CreditInformationApplicationEducated Choice
(a) Variable Rate - Interest Rate
      adjusts quarterly		 Open end 7.50% Variable $20.00
Motorcycles **ApplicationEducated Choice Calculator


Term (months) 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 **InformationEducated Choice Calculator

New Auto Application
New Boat Application
New 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 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 96 (j) 5.99% $13.15 2.75% $11.63
97 to 144(c)(e)(g)(i) 6.24% $9.89 2.75% $8.17
145 to 180 (c)(e)(h)(i) 6.49% $8.72 2.75% $6.80
181 to 240 (d)(f)(i) 6.99% $7.76 2.75% $5.43
See the MPG on hundreds of cars

Shopping for a new car?

Be sure to visit www.fueleconomy.gov for an easy to use guide to Miles Per Gallon and Fuel Cost Estimates for both city and highway driving on hundreds of 2009 and older automobiles.

The annual fuel cost estimates in the 2009 Electronic Fuel Economy Guide are updated weekly to match the Energy Information Administration's (EIA) current national average prices for gasoline and diesel fuel.

*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

Used Cars, Boats,
Trucks, RV's **InformationEducated Choice 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 to 60 (c) 5.99% $19.33 2.75% $17.87
61 to 72 (b)(c) 6.49% $16.81 2.75% $15.09
73 to 84 (a)(d) 6.49% $16.81 2.75% $13.11
85 to 96 (e)(i) 5.99% $13.15 2.75% $11.63
97 to 144 (f)(i) 6.24% $9.89 2.75% $8.17
145 to 180 (g)(i) 6.49% $8.72 2.75% $6.80
181 to 240 (h)(i) 6.99% $7.76 2.75% $5.43

*APR = annual percentage rate.
(a) Maximum Five (5) model years old (including current year)
(b) Minimum Loan $10,000 on 61 - 72 month terms
(c) Maximum Eight (8) 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

Lease-like Auto Loans **
New & Used InformationApplicationEducated Choice Calculator		 Term (months) New APR Used APR
24 5.24% 6.24% (a)
25 to 36 5.24% 6.24% (a)
37 to 48 5.24% 6.24% (b)
49 to 60 5.24% 6.24% (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 CardsInformation Educated Choice Calculator APR Terms
PlatinumApplication Special Low Rate!
  • No annual fee
  • Low Fixed Rates
  • 25 day grace period on purchases
  • Easy monthly payments
"Cash Back" ClassicApplication 12.36%
"No Frills" ClassicApplication Special Low Rate!
Student "No Frills" Classic Application 9.36%
Secured ClassicApplication 6.72%
For loans first disbursed between July 1, 2008 - June 30, 2009
Education Loans InformationApplication APR Terms (months)
Subsidized Stafford Loan (undergraduate) 6.00% fixed up to 120
Subsidized Stafford Loan (graduate) 6.80% fixed up to 120
Unsubsidized Stafford Loan 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 LoanEducated Choice** 8.50% fixed (As low as)
7.00% 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: $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.

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.