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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 



 

 
   

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

7.99%

24

   

Longer terms available 

Line of Credit

9.90%

   

 



 

 
   
 

February Lifestyle Loan Special

 6.49% 24     

Maximum loan amount $5,000;
valid 1/1/2018 to 2/28/2018 only. 

Lifestyle (Signature/Personal)

7.49%

12

   

Longer terms available 




   


Mortgage Rates 


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

 


 
   
 
Refinance 1st Mortgage 3.75% 60     80% 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)

Introductory Rate
2.99%** for 12 months

   

80% Maximum loan-to-value (LTV) ratio

 
         

 

 

 
   
 
Visa Platinum Credit Card

10.40%***

N/A

   

No Annual Fee;
No Balance Transfer Fees

Visa Balance Transfer Offer

5.99% APR‡‡

on Balance Transfers for the Life of the Balance Transfer 

 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 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.  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.

**This 2.99% introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOCs) with an 80% loan-to-value (LTV) or less. The Introductory Interest Rate will be fixed at 2.99% during the 12-month Introductory Period. A higher introductory rate will apply for an LTV above 80%. After the 12-month introductory period: the APR is variable and is based upon an index plus a margin. This introductory 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 4.50% 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 January 2, 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.

This promotional Annual Percentage Rate (APR) of 5.99% is current as of 01/15/2018 and applies to balance transfers made between 1/15/2018 and 3/31/2018 for qualified applicants, based on creditworthiness. The 5.99% APR will remain in effect for the life of the balances transferred from non-TTCU credit cards.  This offer applies to new and existing credit card accounts at TTCU. Balance transfers made after 3/31/2018 do not qualify for the 5.99% APR; your normal variable rate applies, which will range from 10.40% to 18.00% APR, based on the Prime rate as disclosed in The Wall Street Journal plus or minus a margin based on your credit history. The total transferred may not exceed your available credit line. No minimum balance transfer amount is required. This promotional rate does not apply to purchases or cash advances and may not be used to pay off or pay down balances on any TTCU credit card, loan or account. this limited-time offer is subject to change or may be withdrawn at any time without notice. Other restrictions may apply. Membership with The Tennessee Credit Union is required to obtain a credit card.

Offer current as of January 1, 2018 and is subject to change. Maximum loan amount is $5,000; maximum term is 24 months for this loan.  Rates and terms are based on evaluation of applicant’s credit history and credit qualifications. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Membership with TTCU is required to obtain a loan. You may not pay off or make payment to other TTCU loans, credit cards or accounts with these proceeds. Offer valid until February 28, 2018. Payment example: 24-month fixed rate loan amount of $5,000, with 30 days to first payment, financed at 6.49% APR as of 1/01/2018 will have a monthly payment of $222.71.

#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.