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Savings and Certificate Secured Loans

Savings Secured Loans

TFCU can provide you with the cash you need... FAST! With a Savings Secured Loan, borrow up to 80% of the available shares on deposit in your primary Savings Account*.

  • Variable interest rate, adjusted quarterly - Rates
  • Rate is equal to the dividend rate paid for the prior quarter for regular share savings accounts, plus 2.50%, rounded to the nearest higher quarter percentage point
  • Terms up to 120 months are available

For more information, visit any of our conveniently located branches, or call (631) 698-7000, extension 6790.

*NOTE: Funds on deposit in a Custodial, Guardianship, Estate, or Living Trust Account or IRA Share Savings Account may not be pledged as collateral for a Savings Secured Loan.

Certificate Secured Loans

With a Certificate Secured Loan, borrow up to 100% of the face amount of your Certificate*.

  • Fixed interest rate equal to 2.50% above the certificate rate, rounded to the nearest higher quarter percentage point - Certificate Rates
  • The loan term may not exceed the maturity date of the certificate
  • Only certificates with a 6 month term or more may be pledged as collateral

For more information, visit any of our conveniently located branches, or call (631) 698-7000, extension 6790.

*NOTE: IRA Certificates or Certificates of deposit in a Custodial, Guardianship, Estate, or Living Trust Account may not br pledged as collateral for a Certificate Secured Loan.

All rates and terms are subject to change without notice.

Featured Rates

Credit CardAPR*
Platinum9.48%
"Cash Back" Classic12.36%
"No Frills" Classic9.36%
Student "No Frills" Classic9.36%
Secured Classic6.72%
See All

*APR = Annual Percentage Rate. All rates are subject to change without notice.

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