The Tennessee Credit Union
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Loans & Credit Card Rates

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Auto Loans
Longer terms available.
Loan TypeAnnual Percentage Rate* starting atMonths
2016 - Current < 10,000 miles
New or Used Auto
3.40% 36
2016 - Current > 10,000 miles
New or Used Auto
3.65%Δ 36
2013-2015
Autos
3.90%Δ 36
2010-2012
Autos
4.65%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 January 1, 2019. 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.

Secured Loans
Loan TypeAnnual Percentage Rate* starting atMonths
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

*Annual Percentage Rate (APR) on Loan Accounts, effective January 1, 2019. 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
Loan TypeAnnual Percentage Rate* starting atMonths
Lifestyle (Personal) 6.99% 24 Longer terms available
Special Event Loan 6.99%α 24 Longer terms available
Family Support Loan 6.99% 24 Longer terms available
No-Equity Home Improvement Loan 6.99% 24 Longer terms available
Personal Line of Credit 9.90%    

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) on Loan Accounts, effective January 15, 2019. 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  

11.40%***

N/A No Annual Fee; No Balance Transfer Fees

 

***Annual Percentage Rate (APR) is current as of December 20, 2018 and based on applicant's credit history and credit qualifications. APRs are variable and currently range from 11.40% 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 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
Annual Percentage Rate* starting atMonths
Recreational Vehicles (Marine, RVs, Campers)
3.00%# (New) 36 Longer terms available.
3.50%# (Used; Refinance) 36 Longer terms available
ATV, UTVs
4.25%# (New) 36 Longer terms available
5.50%# (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 1, 2019. 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
YearAnnual Percentage Rate* starting atMonths
2016 - Current 5.25%# 36 Longer terms available
2013 - 2015 5.75%# 36 Longer terms available
2009 - 2012 6.00%# 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 1, 2019. 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.