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Rates

All rates effective as of July 1, 2026

Auto Loans
Loan Type Term APR* (as low as)
New, Used or Refinanced 36 Months 4.29%
  48 Months 4.89%
  60 Months 5.49%
  72 Months 6.19%
  84 Months 7.19%

Small Recreational Vehicle Loans

(Motorcycles, ATVs (4-wheelers), UTVs (side-by-sides),  Snowmobiles, Jet Skis, and more)
Loan Type Term APR* (as low as)
New, Used or Refinanced 36 Months 4.79%
  48 Months 5.39%
  60 Months 5.99%
  72 Months 6.69%
  84 Months 7.69%

Large Recreational Vehicle Loans

(Boats, RVs, Travel Trailers, Campers, Fifth Wheels, and more)
Loan Type Term APR* (as low as)
New, Used or Refinanced 48 Months 7.69%
  60 Months 8.69%
  72 Months 9.69%
  84 Months 10.69%
  96 Months 11.69%

Personal Unsecured Loans
Loan Type Terms APR* (as low as)
Personal Unsecured Loans 24 Months 7.00%
  36 Months 8.00%
  48 Months 9.50%
  60 Months 11.00%
  72 Months 12.50%
Overdraft Protection Loan N/A

13.50%

Secured Loans
Loan Type Terms APR*
Savings-Secured Credit Builder Loan 12 Months 11.00%
Savings Secured Loan Up to 72 months 3% above savings rate
Share Certificate Secured Loan Equals or is less than the share certificate term 3% above certificate rate

Mastercard®
Loan Type Terms APR*
Mastercard®

Choose a Low Rate card or a Rewards card.

Call for more information

Low Rate Card - As low as 8.99%

Rewards Card -   As low as 11.99%

* APR stands for Annual Percentage Rate 1. All rates effective as of July 1, 2026. 2. Loans are subject to credit approval 3. All loan rates are stated as Annual Percentage Rates and are subject to change. 4. 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 APR APY*
Primary Membership Savings up to $500.00* 4.89% 5.00%

*Rate applies to balances between $25.01-$500.00. Funds over $500.00 will revert to the current regular share dividend rate. See savings rates. Savings Rates Effective July 1, 2026.

Savings Rates
Account Type Min. Dividend Balances APR 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%

 *APY stands for Annual Percentage Yield.

**$1.00 minimum balance requirement to receive dividends does not apply to primary membership savings.

1. All rates are effective as of July 1, 2026. 2. 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). 3. Dividends are compounded daily and posted monthly. 4. Fees may reduce the earnings on the account. 5. Rates may change after the account is opened. 6. On Club Accounts an early withdrawal penalty may be imposed. 7. 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. 

IRAs & Share Certificate Rates
Account Type Min. Deposit Balances Dividend Rate APY* Penalty
3 Months $500.00 0.49% 0.49% 30 Days Interest
6 Months $500.00 2.49% 2.52% 90 Days Interest
9 Months $500.00 3.39% 3.44% 90 Days Interest
12 Months $500.00 3.39% 3.44% 90 Days Interest
18 Months $500.00 3.49% 3.55% 120 Days Interest
24 Months $1,000.00 3.49% 3.55% 120 Days Interest
36 Months $1,000.00 3.29% 3.34% 120 Days Interest
48 Months $1,000.00 2.49% 2.52% 120 Days Interest
60 Months $1,000.00 2.49% 2.52% 120 Days Interest

*APY stands for Annual Percentage Yield.

1.Rates effective as of July 1, 2026 and subject to change without notice. 2. Fees may reduce earnings; early withdrawal penalties may apply. 3. All certificate dividends are earned on the actual certificate balance (unless otherwise noted) and are posted and compounded monthly. Penalties exist for early withdrawal. 4. 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. 5. Members may elect to have dividends transferred to a savings account or mailed by check. 6. Minimum opening balance required to earn APY. 7.  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.

 

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

1. All rates are effective as of July 1, 2026. 2. All rates are subject to change without prior notice. 3. 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. 4. Share Certificate of Deposit Annual Percentage Yields (*APY) are subject to change without notice. A penalty will be imposed for early withdrawals. Share certificates are calculated using a daily balance method and credited monthly. Minimum Balance is $2,500.00 to avoid the service fee. Balances below $2,500 will revert to the regular savings rate.

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