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Services and Rates


Our comprehensive range of products and services help your family while getting the most from your hard-earned money.  No one else offers such flexibility and savings – and it’s available exclusively to TCCU members!


Loan Products

Savings and Checking Products

Share Certificate (CD) Rates

Additional Services

Scholarship Program


To learn more about our privacy policies, click here: 

Loan Products


APR=Annual Percentage Rate.  All loans are subject to credit approval.  The APR is determined by credit worthiness, collateral, term of loan, and other conditions.  Your individual rate and term may vary.  Other restrictions may apply. 


New and Used Vehicle Loans

Year


Term


Annual Percentage Rate*

2015 - 2017


36 months


2.19%

2015 - 2017


48 months


2.49%

2015 - 2017


60 months


2.59%

2015 - 2017


72 months


3.24%

2015 - 2017


84 months


4.99%

2013 - 2014


36 months


2.44%

2013 - 2014


48 months


2.64%

2013 - 2014


60 months


2.74%

2013 - 2014


72 months


3.24%

2011 - 2012 


48 months


3.09%

2011 - 2012 


60 months


3.34%

2009 - 2010 


48 months


3.59%

2009 - 2010


60 months


3.84%

2008


36 months
4.09%

2008


48 months


4.34%

2008


60 months


4.59%

2007 and Older


24 months


4.99%

2007 and Older


36 months
5.24%

2007 and Older


48 months


5.49%

2007 and Older


60 months


5.74%











Motorcycle and ATV/UTV Loans





Year


Term


Annual Percentage Rate*

2015 - 2017


36 months


3.69%

2015 - 2017


48 months


3.99%

2015 - 2017


60 months


4.09%

2015 - 2017


72 months


4.74%

2013 - 2014


36 months


3.94%

2013 - 2014


48 months


4.14%

2013 - 2014


60 months


4.24%

2013 - 2014


72 months


4.74%

2011 - 2012


48 months


4.59%

2011 - 2012


60 months


4.84%

2009 - 2010


48 months


5.09%

2009 - 2010


60 months


5.34%

2008


36 months


5.59%

2008


48 months


5.84%

2007 and Older


24 months


6.49%

2007 and Older


36 months


6.74%

2007 and Older


48 months


6.99%
















Boat, RV, and Travel Trailers





Year


Term


Annual Percentage Rate*

2013 - 2016


60 months


3.99%

2013 - 2016


72 months


4.99%

2013 - 2016


73 - 120 months


5.99%

2010 - 2012


60 months


4.24%

2010 - 2012


72 months


5.24%

2010 - 2012


73 - 120 months


6.24%

2009 and Older


60 months


4.74%

2009 and Older


72 months


5.74%

2009 and Older


84 months


6.74%

*Minimum loan amounts apply to terms exceeding 72 months.




















Equipment Loans





Year


Term


Annual Percentage Rate*

New


60 months


3.99%

New


72 months


4.99%

New


73 - 120 months


5.99%

Used


60 months


4.24%

Used


72 months


5.24%

Used


73 - 120 months


6.24%

*Minimum loan amounts apply to terms exceeding 72 months.
















Other Loan Options   

Loan Type

Term

Annual Percentage Rate*

Signature or Personal Loan

Up to 60 months

7.99%

Share Secured

Up to 60 months

2.50%

TCCU CD SecuredMatched to CD Maturity2.00% Over TCCU CD APY





Home Mortgages

TCCU offers competitive mortgage rates to our members.  To receive our latest rates, please contact us.



Visa Card 

Enjoy a low 9.99% APR* on all purchases.


*APR=Annual Percentage Rate.  All loans are subject to credit approval.  The APR is determined by credit worthiness, collateral, term of loan, and other conditions.  Your individual rate and term may vary.  Other restrictions may apply. 



Savings & Checking Products


TCCU Savings accounts and Draft/Checking accounts are versatile, easy to use, and offer a wide range of benefits.

Savings accounts historically earn higher dividends at a credit union than those paid by not-for-profit institutions because we are a not-for-profit financial cooperative.

  • No minimum balance required
  • No monthly fee
  • No per-check charge
  • Make deposits via direct deposit or payroll deduction


Regular Savings Account

  • The following rates are effective as of June 1, 2016

    Type of Deposit

    Dividend Rate

    Annual Percentage Yield

    Regular Shares

    0.15%

    0.15%

    Share Draft Checking

    0.15%

    0.15%




  • If you are interested in a Christmas Club account or a special account designated for a specific purpose such as a vacation, real estate taxes, or other projects, contact one of our Member Services Representatives for more information.
  • All accounts are insured by the National Credit Union Administration, a Federal agency, for up to $250,000.


Share Certificate Rates (CD Rates)


Share certificates are a great tool to help your hard earned dollars grow.  Talk to a Member Service Representative for more information.  Early withdrawal on share certificates may affect dividends earned. 

  • The following rates are effective as of May 1, 2017.


Minimum Balance to Obtain Annual Percentage Yield (APY)


$1,000 – 49,999.99$50,000.00 and over
Share Certificate TermRate %APY%Rate %APY%
12 months0.500.500.600.60
24 months0.750.750.850.85
36 Months1.251.261.351.36
48 months1.351.361.451.46
60 months1.551.561.651.66


Additional Services

  • Debit Cards: for easy, safe access to your Savings or Checking accounts wherever, and whenever, you need it.
  • SHAZAM BOLT$: Our service which automatically sends email alerts 24/7 when suspicious activity occurs.  It also comes with the ability to access balance information from your smart phone, tablet, or home computer.
  • Direct Deposit of your paycheck, pension or Social Security check to your TCCU account(s) is fast, convenient and automatic.
  • Payroll Deduction is an easy way to make loan payments automatically, or to be credited to your Savings or Checking Accounts(s).
  • Loan insurance products, such as GAP and Credit Life/Disability help to protect you and your family.
  • Mobile App: We offer free mobile banking from TCCU, which allows you to access your account anytime, anywhere, instantly.  Apps are available through Google Play & Apple iTunes.


TCCU Scholarship Program








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