Current Rates

Loan Rates

Loan rates effective December 1, 2017

Loan Type Annual Percentage Rate Term / Notes
Auto Loans (New)
Auto Loans (Used)
Includes Trucks and Vans
Conventional Loan
Rates as low as 2.24%
Rates as low as 2.74%
CLICK HERE for DISCOUNT LIST
Fixed Rate
Call for Terms
Recreational Vehicles (New and Used)
Includes Boats, RVs, Motorcycles, Jet Skis and Snowmobiles (if titled)
Rates as low as 3.24%
CLICK HERE for DISCOUNT LIST
Fixed Rate
Call for Terms
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 4.00% 80% LTV=Prime minus 0.25%, available in OH, IN, KY, PA, TN, MI, GA, IL, MO, NJ, NC, SC
Second Mortgage 3.99% ( 5 yr. )
4.24% (10 yr.)
4.49% (15 yr.)
Fixed rate, available in Ohio only
First Mortgage Call for current rates Fixed / Variable, 15-30 year terms, available in most states
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

*Interest rate based on credit history plus number of years financed.
APR = Annual Percentage Rate.

Loan Rate Discounts

  • 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: December 13, 2017

$500 minimum deposit required | Rate Adjusted Weekly | Calculated daily | *Dividends paid at maturity | **Dividends paid quarterly

Term (Months) Yield (APY) Rate (APR)
3 to 5 0.30%** 0.300%**
6 to 11 0.45%** 0.449%**
12 to 17 1.00%** 0.996%**
18 to 23 1.15%** 1.145%**
24 to 29 1.35%** 1.343%**
30 to 35 1.35%** 1.343%**
36 to 47 1.40%** 1.393%**
48 to 59 1.60%** 1.590%**
60 1.75%** 1.739%**

IRA (Individual Retirement Account) Certificates

Effective Date: December 13, 2017

$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) Rate (APR)
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 1.25%** 1.244%**
30 to 35 1.30%** 1.294%**
36 to 47 1.40%** 1.393%**
48 to 59 1.50%** 1.492%**
60 1.60%** 1.590%**

IRA (Individual Retirement Account) Savings

Effective Date: December 13, 2017

 $100 Minimum Deposit | Rate adjusted monthly | Calculated daily | Paid quarterly

Yield (APY) Rate (APR)
0.20% 0.200%

Money Market Share Account (MMSA)

Effective Date: December 13, 2017

$100 Minimum Deposit | Rate adjusted weekly | Calculated daily | Dividends calculated daily | Paid monthly

Deposit Category Yield (APY) Rate (APR)
$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%

Primary Share / Business Savings / Holiday & Club Accounts (Statement Savings)

Effective Date: December 13, 2017

$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%

Premier Business Checking Account

Effective Date: December 13, 2017

Balance Yield (APY) Rate (APR)
All 0.025% 0.025%

Classic Checking Account

Effective Date: December 13, 2017

There is no Minimum Deposit. Daily balance is required to earn tier dividends. Dividends calculated daily | Paid quarterly | Rate adjusted monthly

Balance Yield (APY) Rate (APR)
$0.00 – $999.99 0.025% 0.025%
$1,000 and over 0.025% 0.025%

APY = Annual Percentage Yield
APR = Annual Percentage Rate