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!

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Consumer 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*
2016 - 2018	36 months	2.99%
2016 - 2018	48 months	3.19%
2016 - 2018	60 months	3.29%
2016 - 2018	72 months	3.79%
2016 - 2018	84 months	4.94%
2014 - 2015	36 months	3.09%
2014 - 2015	48 months	3.34%
2014 - 2015	60 months	3.44%
2014 - 2015	72 months	3.94%
2012 - 2013	48 months	3.69%
2012 - 2013	60 months	3.94%
2010 - 2011	48 months	4.19%
2010 - 2011	60 months	4.44%
2009	36 months	4.49%
2009	48 months	4.74%
2009	60 months	4.99%
2008 and Older	24 months	5.39%
2008 and Older	36 months	5.64%
2008 and Older	48 months	5.89%
2008 and Older	60 months	6.14%


Motorcycle and ATV/UTV Loans
Year	Term	Annual Percentage Rate*
2016 - 2018	36 months	3.69%
2016 - 2018	48 months	3.99%
2016 - 2018	60 months	4.34%
2016 - 2018	72 months	4.74%
2014 - 2015	36 months	3.94%
2014 - 2015	48 months	4.14%
2014 - 2015	60 months	4.49%
2014 - 2015	72 months	4.99%
2012 - 2013	48 months	4.59%
2012 - 2013	60 months	4.84%
2010 - 2011	48 months	5.09%
2010 - 2011	60 months	5.34%
2009	36 months	5.59%
2009	48 months	5.84%
2008 and Older	24 months	6.49%
2008 and Older	36 months	6.74%
2008 and Older	48 months	6.99%



Boat, RV, and Travel Trailers
Year	Term	Annual Percentage Rate*
2014 - 2018	60 months	4.49%
2014 - 2018	72 months	4.99%
2014 - 2018	73 - 120 months	5.99%
2011 - 2013	60 months	4.74%
2011 - 2013	72 months	5.24%
2011 - 2013	73 - 120 months	6.24%
2010 and Older	60 months	5.24%
2010 and Older	72 months	5.74%
2010 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	4.24%
New	72 months	4.74%
New	73 - 120 months	5.99%
Used	60 months	4.74%
Used	72 months	5.24%
Used	73 - 120 months	6.49%
*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 Secured	Matched to CD Maturity	2.00% 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 for profit institutions because we are a not-for-profit financial cooperative.

Minimum account opening deposit is $25.00 (This establishes membership)
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 October 1, 2018.

	Minimum Balance to Obtain Annual Percentage Yield (APY)
	$1,000 – 49,999.99		$50,000.00 and over
Share Certificate Term	Rate %	APY%	Rate %	APY%
12 months	2.23	2.25	2.33	2.36
24 months	1.39	1.40	1.49	1.50
36 Months	2.72	2.75	2.81	2.85
48 months	1.88	1.90	1.98	2.00
60 months	2.18	2.20	2.28	2.30

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.