The Tennessee Credit Union
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Loans & Credit Card Rates

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Auto Loans
Effective Date: September 26, 2022
Longer terms available.
Loan TypeAnnual Percentage Rate* starting atMonths
2022 - Current < 5,000 miles
New Auto
3.99%Δ 36
2018 - Current 
Used Auto
4.49%Δ 36
2013-2017
Used Autos
5.99%Δ 36
2008-2016
Used Autos
6.99%Δ 36

ΔThe Base Annual Percentage Rate (APR) 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. Visit a TTCU branch or call 800-622-2535 to speak with a loan officer to determine the rate for which you qualify. Speak with a loan officer to discuss options and to determine the rate for which you qualify.

*Annual Percentage Rate (APR) on Loan Accounts, effective September 2021. 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.

Personal Loans
Effective Date: September 23, 2022
Loan TypeAnnual Percentage Rate* starting atMonths
Signature (Personal) 7.99%α 12 Longer terms available
Personal Line of Credit 11.99%    
Certificate Secured Deposit APY + 2.00% 12 $3,000 Minimum Amount

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 60-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 60-day deferral program is subject to change at any time.

*Annual Percentage Rate (APR) on Loan Accounts, effective September 2021. 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.

VISA Platinum Credit Card

Annual Percentage Rate* starting at Months  

9.40% APR***

N/A No Annual Fee; No Balance Transfer Fees

 

***Annual Percentage Rate (APR) is current as of June 2021 and based on applicant's credit history and credit qualifications. APRs are variable and currently range from 9.40% to 17.00% 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 TTCU is required to obtain a credit card. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.

 

Recreational Vehicle Loans
Effective Date: September 23, 2022
Loan TypeAnnual Percentage Rate* starting atMonths
Recreational Vehicles (Marine, RVs, Campers)
2022 - Current 5.99%# (New) 36 Longer terms available.
2018-Current 6.29%# (Used; Refinance) 36 Longer terms available
2013-2017 7.99%# (Used; Refinance) 36 Longer terms available
ATV, UTVs
2022-Current 6.99%# (New) 36 Longer terms available
2018-Current 7.49%# (Used; Refinance) 36 Longer terms available.
2013-2017 8.99%# (Used; Refinance) 36 Longer terms available.

#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.

*Annual Percentage Rate (APR) on Loan Accounts, effective January 2021. 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.

Motorcycle Loans
Effective Date: September 23, 2022
YearAnnual Percentage Rate* starting atMonths
2022 - Current > 3,000 miles
New
6.99%# 36 Longer terms available
2018 - Current
Used
7.49%# 36 Longer terms available
2013 - 2017
Used
8.99%# 36 Longer terms available

#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.

*Annual Percentage Rate (APR) on Loan Accounts, effective August, 2020. 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.

 

Boat Loans
Effective Date: September 23, 2022
Loan TypeAnnual Percentage Rate* starting atMonths
2022 - Current
New
6.99%Δ 36
2018 - Current
Used
7.49%Δ 36
2013 - 2017
Used
8.99%Δ 36

#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.

*Annual Percentage Rate (APR) on Loan Accounts, effective August, 2020. 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.