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. |
| Vacation Loan Special |
Fixed |
As low as 6.99% |
Term: 24 months |
| Personal |
Fixed |
As low as 8.49% |
Terms from 24 to 72 months with Direct Deposit |
| New & Used Vehicle |
Fixed |
As low as 3.99% |
Terms from 36 to 84 months with Direct Deposit |
| New & Used Recreational |
Fixed |
As low as 6.99% |
Terms from 36 to 84 months with Direct Deposit |
| Savings Secured |
Fixed |
3% above share or certificate pledged. |
IRAs not eligible Money Markets 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 July 1, 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 (Up to the first $500)
| Account Type |
Max. Balance |
Dividend Rates |
APY* |
| Primary Membership Savings |
up to first $500 |
4.89% |
5.00% |
Savings Rates
| Account Type |
Min. Dividend Balances |
Dividend Rates |
APY* |
| 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 are effective as of June 2nd, 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.
IRAs & 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 |
3.59% |
3.65% |
90 Days Interest |
| 18 Months |
$500.00 |
3.49% |
3.55% |
120 Days Interest |
| 24 Months |
$1,000.00 |
2.49% |
2.52% |
120 Days Interest |
| 36 Months |
$1,000.00 |
2.49% |
2.52% |
120 Days Interest |
| 48 Months |
$1,000.00 |
1.99% |
2.01% |
120 Days Interest |
| 60 Months |
$1,000.00 |
1.99% |
2.01% |
120 Days Interest |
- All rates are effective as of June 2, 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.
- Members have the option to have dividends transferred to a Savings account or have a 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 June 2, 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.