Loan Rates
| Loan Type |
Rate Type |
APR** |
Terms |
| Credit Card Mastercard® |
N/A |
N/A |
Choose a Low Rate card or a Rewards card. Call for more information. |
| Consolidation Loan |
Fixed |
As low as 6.99% |
Term: 24 months |
| Personal Loan |
Fixed |
As low as 8.49% |
Terms from 24 to 72 months with Direct Deposit |
| New & Used Vehicle Loans |
Fixed |
As low as 3.89% |
Terms from 36 to 84 months with Direct Deposit |
| New & Used Recreational Loans |
Fixed |
As low as 6.89% |
Terms from 36 to 84 months with Direct Deposit |
| Savings Secured Loan |
Fixed |
3% above share or certificate pledged. |
IRAs not eligible Money Markets not eligible |
| Overdraft Protection Loan |
Fixed |
As low as 13.50% |
Payment is 10% of balance monthly |
** APR stands for Annual Percentage Rate
- All rates effective as of December 26, 2025.
- Loans are subject to credit approval
- All loan rates are stated as Annual Percentage Rates and are subject to change.
- Membership is required.
Loan Payment Example:
A $20,000 loan with a rate of 4.99% APR for 60 months will generate a monthly payment of approximately $377.37. No insurance included.
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Home Equity Loans and Lines of Credit.
Please call the credit union for current rates.
Savings Rate - Primary Membership
| Account Type |
Max. Balance |
Dividend Rates |
APY* |
| Primary Membership Savings |
up to $500.00* |
4.89% |
5.00% |
Savings Rates
| Account Type |
Min. Dividend Balances |
Dividend Rates |
APY* |
| Savings** |
$1.00 |
0.10% |
0.10% |
| IRA |
$1.00 |
0.10% |
0.10% |
| Escrow |
$1.00 |
0.01% |
0.01% |
| Holiday Club |
$1.00 |
0.25% |
0.25% |
- All rates are effective as of December 26, 2025
- All Savings account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded monthly. All Savings account rates are Variable Rates (unless otherwise noted).
- *APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change. Not responsible for typographical errors or omissions.
- Fees may reduce the earnings on the account.
- Rates may change after the account is opened.
- On Club Accounts an early withdrawal penalty may be imposed.
- **$1.00 minimum balance requirement to receive dividends does not apply to primary membership savings.
IRAs & Share Certificate Rates
| Account Type |
Min. Deposit Balances |
Dividend Rate |
APY* |
Penalty |
| 3 Months |
$500.00 |
1.49% |
1.50% |
30 Days Interest |
| 6 Months |
$500.00 |
2.49% |
2.52% |
90 Days Interest |
| 9 Months |
$500.00 |
3.29% |
3.34% |
90 Days Interest |
| 10 Months - Special Offer** |
$500.00 |
3.69% |
3.75% |
90 Days Interest |
| 12 Months |
$500.00 |
3.19% |
3.24% |
90 Days Interest |
| 18 Months |
$500.00 |
3.09% |
3.13% |
120 Days Interest |
| 24 Months |
$1,000.00 |
2.79% |
3.03% |
120 Days Interest |
| 36 Months |
$1,000.00 |
2.49% |
2.52% |
120 Days Interest |
| 48 Months |
$1,000.00 |
2.49% |
2.52% |
120 Days Interest |
| 60 Months |
$1,000.00 |
1.49% |
1.50% |
120 Days Interest |
- Rates effective as of December 26, 2025 and subject to change without notice.
- Fees may reduce earnings; early withdrawal penalties may apply.
- All certificate dividends are earned on the actual certificate balance (unless otherwise noted) and are posted and compounded monthly. Penalties exist for early withdrawal.
- Ten days prior to maturity, members will receive notice to select maturity options; if no action is taken, the certificate will automatically renew for the same term at the current rate.
- Members may elect to have dividends transferred to a savings account or mailed by check.
- Minimum opening balance required to earn APY.
- *APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change. Not responsible for typographical errors or omissions.
- **10-Month Certificate Special. 3.75% APY effective December 26, 2025 through January 31, 2026. Minimum opening balance of $500 required to earn APY. Early withdrawal penalties may apply. Rates subject to change. Membership eligibility required. Federally insured by NCUA.
Money Market Account Rates
| Min. Deposit & Balances |
Dividend Rates |
APY* |
| $2,500 - $49,999 |
0.49% |
0.49% |
| $50,000 - $99,999 |
1.09% |
1.10% |
| $100,000 - $249,999 |
1.49% |
1.50% |
| $250,000 + |
2.09% |
2.11% |
*APY stands for Annual Percentage Yield
- All rates are effective as of December 26, 2025.
- All rates are subject to change without prior notice.
- Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Money Market dividends are calculated on the full balance using the highest applicable dividend rate. Accrued dividends are forfeited if the account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to TFCU’s Truth-in-Savings Disclosure and Account Agreement, and Schedule of Fees and Service Charges.