Current Rates
Loan Rates
Loan rates effective January 1, 2020
| Loan Type | Annual Percentage Rate | Term / Notes |
| Auto Loans (New) Includes Trucks and Vans Conventional Loan | Rates as low as 2.24% CLICK HERE for DISCOUNT LIST Fixed Rate |
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| Auto Loans (Used) Recreational Vehicles (New) Recreational Vehicles (Used) Includes Boats, RVs, Motorcycles, Jet Skis and Snowmobiles (if titled) | Rates as low as 3.24% CLICK HERE for DISCOUNT LIST Fixed Rate |
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| Bill Consolidation and Signature Loans | Rates as low as 9.99%* | Up to 60 months |
| MOD (Money-On-Demand Line of Credit) | 15.00% | N/A |
| VISA | 15.24% | With 25 day grace period |
| Home Equity | As low as Prime minus 0.25% | 80% LTV, Prime minus 0.25%, available in OH, IN, KY, PA, TN, MI, GA, IL, MO, NJ, NC, SC |
| Second Mortgage | 4.99% (5 yr), 5.24% (10 yr), 5.49% (15 yr) | Fixed rate, available in Ohio only |
| First Mortgage | Call for current rates | Fixed / Variable, 15-30 year terms, available only in Ohio |
| Stock Secured Loans | 8.50% | N/A |
| Share Secured Loans | 3.00% above primary share, term share certificates and money market rate: not lower than designated floor rate | N/A |
- 20% down payment, payroll deduction and Green Saver package (in combination) = 1.00% discount
- Direct Deposit of Net Pay (new) = 0.50% discount OR (only 1 discount applies) Automatic Payroll Payment of a Loan = 0.25% discount
- Green Saver (new) (Bill Pay, E-Statements, & Debit Card) = 0.25% discount
- Fuel Efficient or Hybrid vehicle purchase = 0.10% discount Fuel Efficient Autos, which are five years old or less, and get 30 mpg Hwy or more, and have less than 75,000 mile
The maximum rate discount a member may earn on any one loan is 1.00%. However, at no time will the member’s rate with discounts go lower than the credit union’s designated floor rate (2.24% APR as of April 26, 2017) or current promotional rate. Discounts do not apply to all lending products (does not include: MOD, VISA, Home Equity and Mortgages). For more information on TCU Loan Rate Discounts, please contact a Loan Representative at 800.828.6446.
Term Share Certificates
Effective Date: January 1, 2020 $500 minimum deposit required | Rate Adjusted Weekly | Calculated daily | *Dividends paid at maturity | **Dividends paid quarterly | Penalty may be imposed for early withdrawal
| Term (Months) | Yield (APY*) | Dividend Rate |
| 3 to 5 | 0.40%** | 0.399%** |
| 6 to 11 | 0.75%** | 0.748%** |
| 12 to 17 | 1.35%** | 1.343%** |
| 18 to 23 | 1.45%** | 1.442%** |
| 24 to 29 | 1.55%** | 1.541%** |
| 30 to 35 | 1.60%** | 1.590%** |
| 36 to 47 | 1.65%** | 1.640%** |
| 48 to 59 | 1.75%** | 1.739%** |
| 60 | 1.90%** | 1.887%** |
*APY = Annual Percentage Yield
IRA (Individual Retirement Account) Certificates
Effective Date: January 1, 2020 $500 minimum deposit required | Rate Adjusted Weekly | Calculated daily | *Dividends paid at maturity | **Dividends paid quarterly Includes Traditional IRA, Roth IRA and Coverdell Educational Savings Account
| Term (Months) | Yield (APY*) | Dividend Rate |
| 3 to 5 | 0.15%** | 0.150%** |
| 6 to 11 | 0.30%** | 0.300%** |
| 12 to 17 | 0.50%** | 0.499%** |
| 18 to 23 | 0.55%** | 0.549%** |
| 24 to 29 | 0.75%** | 0.748%** |
| 30 to 35 | 1.00%** | 0.996%** |
| 36 to 47 | 1.20%** | 1.195%** |
| 48 to 59 | 1.25%** | 1.244%** |
| 60 | 1.50%** | 1.492%** |
*APY = Annual Percentage Yield
IRA (Individual Retirement Account) Savings
Effective Date: January 1, 2020 $100 Minimum Deposit | Rate adjusted monthly | Calculated daily | Paid quarterly
| Yield (APY*) | Dividend Rate |
| 0.20% | 0.200% |
*APY = Annual Percentage Yield
Money Market Share Account (MMSA)
Effective Date: January 1, 2020 $100 Minimum Deposit | Rate adjusted weekly | Calculated daily | Dividends calculated daily | Paid monthly
| Deposit Category | Yield (APY*) | Dividend Rate |
| $100 – $4,999 | 0.10% | 0.100% |
| $5,000 – $24,999 | 0.15% | 0.150% |
| $25,000 – $49,999 | 0.30% | 0.300% |
| $50,000 and over | 0.40% | 0.399% |
*APY = Annual Percentage Yield
Primary Share / Business Savings / Holiday & Club Accounts (Statement Savings)
Effective Date: January 1, 2020 $100 Minimum Deposit required to earn dividends | Rate adjusted monthly |Dividends calculated daily on the balance in each category |Paid quarterly
| APY* (Lowest) | APY* (Highest) |
| 0.050% | 0.050% |
*APY = Annual Percentage Yield
Premier Business Checking Account
Effective Date: January 1, 2020
| Balance | Yield (APY*) | Dividend Rate |
| All | 0.025% | 0.025% |
*APY = Annual Percentage Yield
Classic Checking Account
Effective Date: January 1, 2020 There is no Minimum Deposit. Daily balance is required to earn tier dividends. Dividends calculated daily | Paid quarterly | Rate adjusted monthly
| Balance | Yield (APY*) | Dividend Rate |
| $0.00 – $999.99 | 0.025% | 0.025% |
| $1,000 and over | 0.025% | 0.025% |
*APY = Annual Percentage Yield
