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Loan Rates    

 

Type of Loan

Annual Percentage Rate*
starting at
                                        

 

Months

   

Auto Purchases
(2016-Current, ≤10,000 mi.)

2.50%

36

   

Longer terms available.

Auto Purchases
(2016-
Current, >10,000 mi.)
 2.65%Δ   36      Longer terms available. 

Auto Purchases (2013-2015)
 
 
2.95%
Δ
   
36
   
Longer terms available. 
Auto Purchases (2009-2012)   3.75%Δ    36     Longer terms available. 




 

 

 

 

 
One Day Only
Auto Loan Special  (Valid May 25, 2018  ONLY)
2.00%    36      Maximum rate discount is .50% off the lowest rate for which you qualify, based on creditworthiness. Valid for one-day only. Longer terms available. 
             


Auto Refinance Special


1.99%
‡ 

 


36
 

 

 

Automatic payments required; longer terms available.



 

 

 

 

 

 
             

Share Secured Loan

3.00% above rate on deposit account

 

N/A

   

 

Certificate Secured Loan

3.00% above rate on deposit account

 

N/A

   

 

Other Secured Loan

8.99%

 

24

   

Longer terms available. 

Line of Credit

9.90%

 

   

 



 

 

 

 

 

 

Lifestyle (Signature/Personal)

7.49%

 

12

   

Longer terms available. 

Special Event Loan 

 7.49%α    24      Longer terms available.



 


 

 


Mortgage Rates 


For current rates and information, click here.
 
       
Fixed and Adjustable Rate options available.

 



 

 


 
Refinance 1st Mortgage 3.75%   60     70% Maximum loan-to-value (LTV) ratio.
             
Refinance 2nd Mortgage 5.25%   60      80% Maximum loan-to-value (LTV) ratio.
             


 

 


 

 

 

Unimproved Property

7.00%

 

60

   

80% Maximum loan-to-value (LTV) ratio. 

Home Equity Line of Credit (HELOC)

4.75%**

 

   

80% Maximum loan-to-value (LTV) ratio.

 
           

 

 


 

 


 
Visa Platinum Credit Card

10.40%***

 

N/A

   

No Annual Fee;
No Balance Transfer Fees.

             

 

 


 


 

Recreational Vehicles
(Marine, RVs, Campers)

2.75% APR# (New)
3.25% APR# (Used; Refinance)
 

 

36
36

   

Longer terms available.

ATV, UTVs   3.25% APR# (New)
4.00% APR
# (Used; Refinance)
  36
36
   

Longer terms available.

             
Motorcycles
2016-Current
2013-2015
2009-2012

3.25% APR
#
3.75% APR#
4.00% APR#
 
36
36
36
   


Longer terms available.
Longer terms available.
Longer terms available.

 

 

   

 

             

*Annual Percentage Rate (APR) on Loan Accounts, effective January 2, 2018. All rates and terms are subject to change.  Rates and terms are subject to individual credit approval. Please call 800-622-2535 or visit your local branch for additional information.

The Base Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Financing up to the retail value of the vehicle is available.  Visit a TTCU branch or call 800-622-2535 to speak with a loan officer to determine the rate for which you qualify.

Δ The Base Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle, mileage and terms of the loan. Financing up to the retail value of the auto is available.  Speak with a loan officer to determine the rate for which you qualify.

Annual Percentage Rate (APR) current as of April 1, 2018 and subject to change at any time without notice. Special 1.99% APR offer is for 36 months with automatic loan payments made from a TTCU account or other financial institution account. Rate and term based on applicant’s creditworthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Other rates and terms are available. This offer does not apply to loans currently financed with TTCU. Membership with TTCU is required to obtain a loan. Other restrictions may apply. A 90-day deferral of the first payment is an option available on all auto loans. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 90-day deferral program may be withdrawn or changed at any time without notice. Payment Example: $15,000 auto loan financed at 1.99% APR for 36 months with automatic payments will have a monthly payment of $429.57.

αRate and term are based on evaluation of applicant’s creditworthiness. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Offer is subject to change without notice. Maximum loan amount for this offer is $10,000. Membership with TTCU is required to obtain a loan. A 90-day deferral of the first payment is an option available on this loan. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 90-day deferral program is subject to change at any time.

**
Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. APR is based on evaluation of applicant’s credit qualifications and associated LTV ratio. Available on new HELOCs only. Your actual APR may vary. Upon expiration of the intro rate, all balances will accrue interest at the variable APR in effect for your account. The variable APR, as low as 4.75% APR after the introductory period, is based on the Prime Rate as disclosed in the Wall Street Journal plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter as stipulated by your original terms and conditions. Maximum APR is 18%. All rates and offers are current as of April 1, 2018 and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. You may not pay off or make payment to other TTCU loans, credit cards or accounts with these proceeds. Membership with The Tennessee Credit Union is required to obtain a loan. Low closing costs. Contact us for more information.

***Annual Percentage Rate (APR) is current as of January 2, 2018 and based on applicant's credit history and credit qualifications. APRs are variable and currently range from 10.40% to 18.00% based on the applicant's creditworthiness. This APR will vary with the market based on the Prime Rate as disclosed in the Wall Street Journal plus or minus a margin based on your credit history. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change. Membership with The Tennessee Credit Union is required to obtain a credit card. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.

#Annual Percentage Rate (APR) is based on applicant's credit history and credit qualifications, age of vehicle, and terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn at any time. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your TTCU loan officer for specific information. Membership with TTCU is required to obtain a loan. Offer does not apply to loans currently financed with TTCU. 

On May 25, 2018 - for one day only - TTCU members can get 0.50% APR off our normal loan rates on New or Used Auto Purchases. This Special One-Day offer is valid on May 25, 2018 only and expires at 12:00 AM midnight. This offer cannot be combined with other offers. Maximum rate discount is .50% off the lowest rate that you qualify for. Minimum rate, including any and all rate discounts, for any vehicle loan is 2.00% APR for 36 months. APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan, so your rate may differ. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Existing TTCU loans cannot be refinanced under this offer and are not eligible to participate. Membership with The Tennessee Credit Union is required to obtain a loan. TTCU is an equal opportunity lender.  A 90-day deferral of the first payment is an option available on all auto loans. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 90-day deferral program is subject to change at any time.