Loan Rates
New Automobile or Truck
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2024 - 2025 Models | As low as 4.75% | 36 months |
| 2024 - 2025 Models | As low as 5.00% | 48 months |
| 2024 - 2025 Models | As low as 5.25% | 60 months |
| 2024 - 2025 Models | As low as 5.50% | 72 months |
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Used Automobile or Truck
| Model Year | Current APR - Fixed | Term |
|---|---|---|
| 2019 - 2025 Models | As low as 5.00% | 36 months |
| 2020 - 2025 Models | As low as 5.25% | 48 months |
| 2021 - 2025 Models | As low as 5.50% | 60 months |
| 2022 - 2025 Models | As low as 5.75% | 72 months |
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New Motorcycle
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2024 Models | As low as 6.50% | 36 months |
| 2024 Models | As low as 6.75% | 48 months |
| 2024 Models | As low as 7.00% | 60 months |
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Used Motorcycle
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2023 - 2024 Models | As low as 6.75% | 36 months |
| 2023 - 2024 Models | As low as 7.00% | 48 months |
| 2023 - 2024 Models | As low as 7.25% | 60 months |
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New RV
(5th Wheels - Travel Trailers)
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2024 Models up to $25,000.00 | As low as 6.25% | 60 months |
| 2024 Models $25,000.00 - $50,000.00 | As low as 6.50% | 84 months |
| 2024 Models $50,001.00 + | As low as 6.75% | 120 months |
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Used RV
(5th Wheels - Travel Trailers)
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2018 - 2024 Models | As low as 6.75% | 36 months |
| 2018 - 2023 Models | As low as 7.00% | 48 months |
| 2019 - 2023 Models | As low as 7.25% | 60 months |
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New Boat, Motor, Trailer
(Not Jet Ski)
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2024 Models | As low as 6.50% | 36 months |
| 2024 Models | As low as 6.75% | 48 months |
| 2024 Models | As low as 7.00% | 60 months |
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Used Boat, Motor, Trailer
(Not Jet Ski)
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2023 - 2024 Models | As low as 6.75% | 36 months |
| 2023 - 2024 Models | As low as 7.00% | 48 months |
| 2023 - 2024 Models | As low as 7.25% | 60 months |
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New Other Vehicles
(ATV - Tractors - Jet Ski)
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2024 Models | As low as 6.50% | 36 months |
| 2024 Models | As low as 6.75% | 48 months |
| 2024 Models | As low as 7.00% | 60 months |
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Used Other Vehicles
(ATV - Tractors - Jet Ski)
| Model Year | Current APR* - Fixed | Term |
|---|---|---|
| 2023 - 2024 Models | As low as 6.75% | 36 months |
| 2023 - 2024 Models | As low as 7.50% | 48 months |
| 2023 - 2024 Models | As low as 7.75% | 60 months |
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Signature/LOC/Overdraft Protection
Credit Cards
| Type | Current APR* |
|---|---|
| Platinum MasterCard® | As low as 9.90% |
| MasterCard® / VISA® Gold | As low as 12.90% |
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Home Equity / Improvement (TX only)***
| Current APR*** (Fixed) | Approx. Maximum Term (months) |
|---|---|
| As low as 6.25% | 60 |
| As low as 6.50% | 120 |
| As low as 6.75% | 180 |
*** Annual Percentage Rate, available on Texas Homestead Properties only. TFCU is an equal housing lender.
Share Secured
| Type | Current APR* | Approx. Maximum Term (months) |
|---|---|---|
| Installment | Dividend Rate +3.00% | -- |
| Single Payment | Dividend Rate +3.00% | 180 Days |
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Certificate Secured
| Type | Current APR* (Fixed) | Approx. Maximum Term (months) |
|---|---|---|
| Installment | CD Rate +3.00% | Term of CD |
| Single Payment | CD Rate +3.00% | 120 |
FOR RATES SHOWN AS A RANGE: Your ANNUAL PERCENTAGE RATE may vary based on your credit worthiness. Lowest rate requires a 20% down payment and auto pay. Please ask a loan officer for details regarding how your rate is determined. LINE OF CREDIT MINIMUM PAYMENTS: The minimum payment for Line of Credit advances is $30.00 per $1,000.00 or outstanding balance or any part of a thousand. LATE CHARGE: If you are 15 days late in making a payment you will be charged 5% of the payment amount with a minimum of $0.50. Rates as of April 1, 2023, & are subject to change.