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Loan Rates

 

Type of Loan

Annual Percentage Rate*
starting at

Months

Auto Purchases
(2015-Current, ≤10,000 mi.)

2.49%

36

Longer terms available

Auto Purchases
(2015-
Current, >10,000 mi.)
 2.55%Δ 36  Longer terms available 

Auto Purchases (2012-2014)
 
 
2.90%
Δ
 
36

Longer terms available 
Auto Purchases (2008-2011)   3.65%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%

 



 

 

 

Holiday Loan (Lifestyle) 

 6.49% 12 

Maximum loan amount $2,500;
valid 11/1-2017 to 12/31/2017 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 5.29% 60 80% Maximum loan-to-value (LTV) ratio
       
Refinance 2nd Mortgage 3.75% 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

10.15%***

N/A

No annual fee;
No Balance Transfer Fees


 

 

 

Recreational Vehicles
(Marine, RVs, Campers)

2.50% APR# (New)
3.00% APR# (Used; Refinance)
 

36
36

Longer terms available.

ATV, UTVs   2.99% APR# (New)
3.49% APR
# (Used; Refinance)
24
24

Longer terms available.

       
Motorcycles
(2015-Current, ≤10,000 mi.)
(2015-Current, >10,000 mi.)

3.00% APR
#
3.50% APR#

36
36


Longer terms available.
Longer terms available.

 

 

       

*Annual Percentage Rate (APR) on Loan Accounts, effective Jan. 1, 2017. 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 4.25% 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 17, 2017 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 7/1/2017 and based on applicant's credit history and credit qualifications. APRs are variable and currently range from 10.15% to 17.75% 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.

Offer current as of November 1, 2017 and is subject to change. Maximum loan amount is $2,500; maximum term is 12 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 December 31, 2017. Payment example: 12-month fixed rate loan amount of $2,500, with 30 days to first payment, financed at 6.49% APR as of 11/01/2017 will have a monthly payment of $215.73. No payment will be required until January 2018; however, interest will accumulate from date of loan disbursement.

#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 The Tennessee Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with TTCU.