Summer Fun with TFCU

Make Room in Your Wallet!

Transfer Your Credit Card Balance to TFCU

With $5,000 on a credit card charging 17% APR, which is about average for most cards across the country, you would have paid almost $500 in interest in one year.

But what if you moved that $5,000 to a TFCU Visa Card? With our 2.99% APR promotion, your interest for the year would approximately be $81. And after that? You’ll continue your savings by utilizing our low Visa rates. It’s a win-win!

New TFCU Credit Card Accounts

  • 2.99% APR on Purchases**
  • 2.99% APR on Balance Transfers***
  • Rate continues for 12 billing cycles from the initial transaction

Apply Here

Existing TFCU Credit Card Accounts

  • 2.99% on Balance Transfers for 12 billing cycles from initial transaction
  • No Balance Transfer Fee
  • Minimum $1,000

Call: 855-906-5729

*All rates and terms are subject to change without notice. Rates & terms accurate as of 5/16/2019. APR: Annual Percentage Rate. When the promotional period ends, any new or outstanding balance transfers and purchases will revert to the then Standard APR for the card type, which is currently: Platinum 9.96%, Classic 12.84%, No Frills 9.84%. All other terms and conditions are the same. We will accept balance transfers that are an aggregate of $1,000 as long as they are submitted in one transaction. (This does not apply to statement or letter checks). Excludes Student, Secured & Business Credit Cards. Membership conditions may apply.
**Excludes cash advances ***No Fee with a minimum of $1,000

Make Room in Your Wallet!

Transfer Your Credit Card Balance to TFCU

With $5,000 on a credit card charging 17% APR, which is about average for most cards across the country, you would have paid almost $500 in interest in one year.

But what if you moved that $5,000 to a TFCU Visa Card? With our 2.99% APR promotion, your interest for the year would approximately be $81. And after that? You’ll continue your savings by utilizing our low Visa rates. It’s a win-win!

New TFCU Credit Card Accounts

  • 2.99% APR on Purchases**
  • 2.99% APR on Balance Transfers***
  • Rate continues for 12 billing cycles from the initial transaction

Apply Here

Existing TFCU Credit Card Accounts

  • 2.99% on Balance Transfers for 12 billing cycles from initial transaction
  • No Balance Transfer Fee
  • Minimum $1,000

Call: 855-906-5729

*All rates and terms are subject to change without notice. Rates & terms accurate as of 5/16/2019. APR: Annual Percentage Rate. When the promotional period ends, any new or outstanding balance transfers and purchases will revert to the then Standard APR for the card type, which is currently: Platinum 9.96%, Classic 12.84%, No Frills 9.84%. All other terms and conditions are the same. We will accept balance transfers that are an aggregate of $1,000 as long as they are submitted in one transaction. (This does not apply to statement or letter checks). Excludes Student, Secured & Business Credit Cards. Membership conditions may apply.
**Excludes cash advances ***No Fee with a minimum of $1,000

*APR: Annual Percentage Rate. All rates and terms are subject to change without notice. Minimum loan: $250, Maximum loan: $3,000, for up to 24 months.

Let TFCU Help Plan Your Vacation

Our Vacation Loan Promotion Makes Life a Breeze

Sometimes a 'quick getaway' quickly racks up the bills. Our Vacation Loan Promotion is here to help make your summer plans go as smoothly as possible. You can borrow up to $3,000 from TFCU at 5% APR*!

But, what does that really mean?

Borrowing $3,000 at 5% APR* for two years will accrue approximately $160 in interest. The same amount over the same time with a credit card that’s charging the national average of 17% APR will add up over $550 in interest.

That’s almost $400 in savings!

TFCU Vacation Loan:

Apply Here

*APR: Annual Percentage Rate. All rates and terms are subject to change without notice. Minimum loan: $250, Maximum loan: $3,000, for up to 24 months.

Start Your Summer Fun at Home!

Using Your Home's Equity

No matter where you are in life, you can use your home’s equity in a way that works for you, such as:

  • Home Remodeling
  • Vacation and other fun activities
  • College Tuition
  • Buying a second home
  • Use it as a safety net, or a cash flow
  • Debt consolidation – our low Home Equity rates can help with the bills!

A Home Equity Line of Credit allows you to borrow what you need, when you need it. If you have a primary residence in New York, and now Florida, Pennsylvania, North Carolina, South Carolina or New Jersey, TFCU can help you utilize the equity in your home!

Rates Here

*APR: Annual Percentage Rate. Rates and terms accurate as of 5/16/19. All rates and terms are subject to change without notice. Term: 180 Months. Daily Periodic Rate is 0.0075%. Rate applicable for terms up to 120 months. Higher terms are available. Ask for details. HELOC max $500,000 (up to 80% of home value, rate shown for 80% max. LTV). Lines up to $100,000 require $10,000 min. advance & must maintain a balance of $5,000 for 36 months to avoid repayment of closing costs. Lines $100,001 - $250,000: $60,000 advance & maintain a balance of $50,000 for 36 mos. to avoid repayment of closing costs. Lines $250,001 - $500,000: $150,000 advance & maintain a balance of $100,000 for 36 mos. to avoid repayment of closing costs. Variable rate equal to the Wall Street Journal Prime Rate (5.50% as of 5/14/2019) as published 30 days prior to interest rate adjustment date, applied at loan origination. After 12 month period, a 1% maximum rate adjustment is allowed per quarter. Rate will not exceed 18% over the life of the loan. Appraisal will be required. Primary residence – New York only. Ask for details. Membership conditions may apply.

Start Your Summer Fun at Home!

Using Your Home's Equity

No matter where you are in life, you can use your home’s equity in a way that works for you, such as:

  • Home Remodeling
  • Vacation and other fun activities
  • College Tuition
  • Buying a second home
  • Use it as a safety net, or a cash flow
  • Debt consolidation – our low Home Equity rates can help with the bills!

A Home Equity Line of Credit allows you to borrow what you need, when you need it. If you have a primary residence in New York, and now Florida, Pennsylvania, North Carolina, South Carolina or New Jersey, TFCU can help you utilize the equity in your home!

*APR: Annual Percentage Rate. Rates and terms accurate as of 5/16/19. All rates and terms are subject to change without notice. Term: 180 Months. Daily Periodic Rate is 0.0075%. Rate applicable for terms up to 120 months. Higher terms are available. Ask for details. HELOC max $500,000 (up to 80% of home value, rate shown for 80% max. LTV). Lines up to $100,000 require $10,000 min. advance & must maintain a balance of $5,000 for 36 months to avoid repayment of closing costs. Lines $100,001 - $250,000: $60,000 advance & maintain a balance of $50,000 for 36 mos. to avoid repayment of closing costs. Lines $250,001 - $500,000: $150,000 advance & maintain a balance of $100,000 for 36 mos. to avoid repayment of closing costs. Variable rate equal to the Wall Street Journal Prime Rate (5.50% as of 5/14/2019) as published 30 days prior to interest rate adjustment date, applied at loan origination. After 12 month period, a 1% maximum rate adjustment is allowed per quarter. Rate will not exceed 18% over the life of the loan. Appraisal will be required. Primary residence – New York only. Ask for details. Membership conditions may apply.

Benefits Plus® is Beach Ready

Our Member Exclusive Savings Program is Just What Your Summer Needs

For less than $5 a month, TFCU members can enjoy a variety of products that make life easy and fun – all at a tremendous savings.

Heading out of town? You can get some of the best deals on flights, hotels, car rentals, cruises, tours and more! Plus, they offer up to 50% discounts on some of the best tourist attractions like Busch Gardens, SeaWorld and more across the U.S.!

Staying local? Benefits Plus® can make a day trip a walk in the park with savings on activities like visiting the Empire State Building, exploring the Bronx Zoo, or finding thrills at Six Flags or Splish Splash.

Benefits Plus® can be added to any TFCU Checking account for a low monthly fee of $4.95.

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