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. |
| Anything Loan Special* |
Fixed |
As low as 8.49% |
Term: 24 months |
| Signature |
Fixed |
As low as 9.49% |
Terms from 24 to 72 months with Direct Deposit |
| New & Used Vehicle |
Fixed |
As low as 4.29% |
Terms from 36 to 84 months with Direct Deposit |
| New & Used Recreational |
Fixed |
As low as 7.29% |
Terms from 36 to 84 months with Direct Deposit |
| Share Secured |
Fixed |
3% above share or certificate pledged. |
IRA's not eligible Money Market's not eligible |
| Overdraft Loan Protection |
Fixed |
As low as 13.50% |
Payment is 10% of balance monthly |
** APR stands for Annual Percentage Rate
- All rates effective as of March 1st, 2025, all rates are subject to change.
- Loans are subject to credit approval
- All loan rates are stated as annual percentage rates and are subject to change.
- Membership is required.
*Anything Loan Special rate is for new money only.
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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Equity Lines of Credit & Loans
Please call the credit union for current rates.
Share Rate (Up to first $500)
| Account Type |
Max. Balance |
Dividend Rates |
APY* |
| Primary Member Share |
up to first $500 |
4.89% |
5.00% |
Share Rates
| Account Type |
Min. Dividend Balances |
Dividend Rates |
APY* |
| Regular Shares (Savings) |
$1 |
0.10% |
0.10% |
| IRA |
$1 |
0.10% |
0.10% |
| Escrow |
$1 |
0.10% |
0.10% |
| Holiday Club |
$1 |
.25% |
.25% |
- All rates effective as of May 1st, 2025
- All share account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded monthly. All share 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 earning on the account.
- Rates may change after the account is opened.
- On Club Accounts an early withdrawal penalty may be imposed.
IRA & Share Certificate Rates
| Account Type |
Min. Deposit Balances |
Dividend Rate |
APY* |
Penalty |
| 3 Months |
$500.00 |
1.99% |
2.01% |
30 Days Interest |
| 6 Months |
$500.00 |
2.99% |
3.03% |
90 Days Interest |
| 9 Months |
$500.00 |
3.39% |
3.45% |
90 Days Interest |
| 12 Months |
$500.00 |
3.69% |
3.75% |
90 Days Interest |
| 18 Months |
$500.00 |
3.29% |
3.34% |
120 Days Interest |
| 24 Months |
$1,000.00 |
2.99% |
3.03% |
120 Days Interest |
| 36 Months |
$1,000.00 |
2.99% |
3.03% |
120 Days Interest |
| 48 Months |
$1,000.00 |
2.49% |
2.52% |
120 Days Interest |
| 60 Months |
$1,000.00 |
1.99% |
2.01% |
120 Days Interest |
- All rates effective as of May 1, 2025.
- All rates are subject to change without prior notice.
- Fees may reduce earnings on the account and an early withdrawal penalty may be imposed
- 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 before maturity a notice will be sent for you to decide what action you want. Otherwise the certificate will be rolled for the same term with the new current rate.
- Member has the option to have dividends transferred to share account, or check mailed.
- *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.
- Minimum Deposit Balance will earn the APY.
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 March 1, 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 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.