{"id":7374,"date":"2018-03-22T06:00:44","date_gmt":"2018-03-22T06:00:44","guid":{"rendered":"http:\/\/34.233.52.212\/?page_id=1568"},"modified":"2023-11-14T16:22:06","modified_gmt":"2023-11-14T22:22:06","slug":"rates-2","status":"publish","type":"page","link":"http:\/\/34.239.58.241\/tcafcu\/rates-2\/","title":{"rendered":"Rates"},"content":{"rendered":"\n

Rates Effective as of 10\/18\/2023<\/em>
Rates are subject to change<\/em><\/p>\n\n\n\n

Auto Loans<\/h2>\n\n\n\n

New Auto & Motorcycles (2024-2022)<\/h3>\n\n\n\n
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New Auto & Motorcycle Loans (2024 – 2022)<\/caption>\n
Term<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
0 to 36 Months<\/td>\n5.49%<\/td>\n<\/tr>\n
37 to 60 Months<\/td>\n5.74%<\/td>\n<\/tr>\n
61 to 72 Months (Minimum Loan Amount \u2013 $15,000)<\/td>\n6.49%<\/td>\n<\/tr>\n
73 to 84 Months (Minimum Loan Amount \u2013 $25,000)<\/td>\n7.49%<\/td>\n<\/tr>\n
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 36 months at a rate of 5.49% APR is a monthly payment of $301.91 Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Used Auto & Motorcycles (2022-2016)<\/h3>\n\n\n\n
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Used Auto & Motorcycles (2022-2016)<\/caption>\n
Term<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
0 to 36 Months<\/td>\n5.49%<\/td>\n<\/tr>\n
37 to 60 Months<\/td>\n5.74%<\/td>\n<\/tr>\n
61 to 72 Months (Minimum Loan Amount \u2013 $15,000)<\/td>\n6.49%<\/td>\n<\/tr>\n
73 to 84 Months (Minimum Loan Amount \u2013 $25,000)<\/td>\n7.49%<\/td>\n<\/tr>\n
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value and mileage less than 100,000. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value, mileage and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 36 months at a rate of 5.24% APR is a monthly payment of $301.91. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Older Used Auto & Motorcycles ( 2015 or Older)<\/h3>\n\n\n\n
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Older Used Auto & Motorcycles ( 2015 or Older)<\/caption>\n
Term<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
0 to 48 Months<\/td>\n7.74%<\/td>\n<\/tr>\n
49 to 60 Months<\/td>\n7.99%<\/td>\n<\/tr>\n
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value and mileage less than 100,000. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value, mileage and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 48 months at a rate of 7.74% APR is a monthly payment of $242.91. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Green Loans<\/h3>\n\n\n\n
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Finance a Hybrid Vehicle & Save 1% APR!<\/p>\n

Offer cannot be combined with any other discounts. Purchases Only.<\/p>\n

Call for Details \u2013 610.326.3705<\/p>\n<\/div>\n\n\n\n

New & Used Motor Homes, RVs & Trailers<\/h3>\n\n\n\n
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New & Used Motor Homes, RVs & Trailers<\/caption>\n
Term<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
*0 to 72 Months<\/td>\n6.99%<\/td>\n<\/tr>\n
*73 to 144 Months<\/td>\n7.74%<\/td>\n<\/tr>\n
* 61 to 72 Months (Minimum Loan Amount – $15,000)
*73 to 144 Months (Minimum Loan Amount – $25,000)<\/td>\n		 <\/td>\n<\/tr>\n
APR = Annual Percentage Rate. Rate is subject to change. The rate stated is the lowest rate offered. Rates above assume mileage less than 100,000 and include a .25% discount for automatic payment from a TCAFCU account.  Maximum LTV is 90%.  Actual Annual Percentage Rate (APR) may vary based on creditworthiness, age of vehicle, loan-to-value, mileage and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $15,000 for 72 months at a rate of 6.99% APR is a monthly payment of $255.66.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n
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Home Equity Loans<\/h2>\n\n\n\n

1st Lien Home Equity Loan \u2013 Call us for rates @ 610.326.3705<\/strong><\/p>\n\n\n\n

Home Equity Loans 80% LTV<\/h3>\n\n\n\n
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Home Equity Loans 80% LTV<\/caption>\n
Term<\/th>\n*APR as low as (Primary Residence)<\/th>\n*APR as low as (Investment)<\/th>\n<\/tr>\n<\/thead>\n
0 to 36 Months<\/td>\n6.00%<\/td>\n9.75%<\/td>\n<\/tr>\n
37 to 72 Months<\/td>\n6.25%<\/td>\n10.00%<\/td>\n<\/tr>\n
73 to 120 Months<\/td>\n6.75%<\/td>\n10.75%<\/td>\n<\/tr>\n
121 to 180 Months<\/td>\n7.25%<\/td>\n11.00%<\/td>\n<\/tr>\n
181 to 240 Months<\/td>\n7.75%<\/td>\nN\/A<\/td>\n<\/tr>\n
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 240 months at a rate of 7.75% APR is a monthly payment of $82.09.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Home Equity Loans 90% LTV<\/h3>\n\n\n\n
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Home Equity Loans 90% LTV<\/caption>\n
Term<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
0 to 36 Months<\/td>\n7.00%<\/td>\n<\/tr>\n
37 to 72 Months<\/td>\n7.25%<\/td>\n<\/tr>\n
73 to 120 Months<\/td>\n7.75%<\/td>\n<\/tr>\n
121 to 180 Months<\/td>\n8.25%<\/td>\n<\/tr>\n
181 to 240 Months<\/td>\n8.75%<\/td>\n<\/tr>\n
APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 240 months at a rate of 8.75% APR is a monthly payment of $88.37.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Home Equity Line of Credit<\/h3>\n\n\n\n
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Home Equity Line of Credit<\/caption>\n
Product<\/th>\n*APR as low as (Primary Residence)<\/th>\n*APR as low as(Investment)<\/th>\n<\/tr>\n<\/thead>\n
Home Equity Line of Credit \u2013 80% LTV<\/td>\n7.75%<\/td>\n8.75%<\/td>\n<\/tr>\n
Home Equity Line of Credit \u2013 90% LTV<\/td>\n8.75%<\/td>\nNA<\/td>\n<\/tr>\n
The Home Equity Line of Credit has a variable rate feature and the Annual Percentage Rate (APR) and the monthly minimum payment can change as a result. This variable rate is based on prime and can change quarterly. Your rate will not be less than 4% APR (floor rate) or greater than 18% APR (maximum allowed by law). The minimum monthly payment is $100.00.  Actual Annual Percentage Rate (APR) is based on an index and may vary according to creditworthiness, loan-to-value and terms of the loan.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n
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Personal Loans<\/h2>\n\n\n\n

Credit Cards<\/h3>\n\n\n\n
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Credit Cards<\/caption>\n
Product<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
Visa Platinum \u2013 Low Rate<\/td>\n12.90%<\/td>\n<\/tr>\n
Visa Platinum \u2013 Rewards<\/td>\n14.90%<\/td>\n<\/tr>\n
Visa Platinum – Cash Back<\/td>\n15.90%<\/td>\n<\/tr>\n
Visa Platinum Balance Transfer Rate<\/td>\n1.00% for 12 months<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Personal Line of Credit<\/h3>\n\n\n\n
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Personal Line of Credit<\/caption>\n
Product<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
Personal Line of Credit<\/td>\n10.50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Unsecured Loans<\/h3>\n\n\n\n
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Unsecured Loans<\/caption>\n
Term<\/th>\n*APR as low as<\/th>\n<\/tr>\n<\/thead>\n
0-60 months<\/td>\n8.75%<\/td>\n<\/tr>\n
*APR = Annual Percentage Rate. Rate is subject to change without notice. The rate stated above is the lowest rate offered and includes .25% discount for automatic payment from a TCAFCU account. Actual Annual Percentage Rate(APR) may vary and not all members will qualify for the lowest rate. Unsecured Loan Payment Example: $10,000 for 60 months at a rate of 8.75% APR is a monthly payment of $206.37<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Share Secured Loans<\/h3>\n\n\n\n
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Share Secured Loans<\/caption>\n
Secured Percentage<\/th>\nTerm<\/th>\nRate<\/th>\n<\/tr>\n<\/thead>\n
100% Share Secured<\/td>\n0 to 60 months<\/td>\nShare Rate or Certificate Rate plus 4.50%<\/td>\n<\/tr>\n
75% Share Secured<\/td>\n0 to 60 months<\/td>\nShare Rate or Certificate Rate plus 5.50%<\/td>\n<\/tr>\n
50% Share Secured<\/td>\n0 to 60 months<\/td>\nShare Rate or Certificate Rate plus 6.50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n
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Checking and Certificates<\/h2>\n\n\n\n

Personal Savings & Checking<\/h3>\n\n\n\n
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Personal Savings & Checking<\/caption>\n
Personal Savings & Checking<\/th>\nMinimum Balance to Earn APY*<\/th>\nDividend Rate<\/th>\nRate<\/th>\n<\/tr>\n<\/thead>\n
Share Account<\/td>\n$0.00<\/td>\n0.05<\/td>\n0.05<\/td>\n<\/tr>\n
Club & Alternate Savings Accounts<\/td>\n$0.00<\/td>\n0.05<\/td>\n0.05<\/td>\n<\/tr>\n
Interest Checking Account<\/td>\n$700.00<\/td>\n0.05<\/td>\n0.05<\/td>\n<\/tr>\n
Money Market Plus<\/td>\n$0.00 \u2013 $2,499.99<\/td>\n0.00<\/td>\n0.00<\/td>\n<\/tr>\n
Money Market Plus<\/td>\n$2,500.00 – $49,999.99<\/td>\n1.20<\/td>\n1.20<\/td>\n<\/tr>\n
Money Market Plus<\/td>\n$50,000.00 – $99,999.99<\/td>\n1.40<\/td>\n1.40<\/td>\n<\/tr>\n
Money Market Plus<\/td>\n$100,000.00 +<\/td>\n1.60<\/td>\n1.60<\/td>\n<\/tr>\n
Accumulative IRA Accounts<\/td>\n$0.00<\/td>\n0.10<\/td>\n0.10<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Business Savings & Checking<\/h3>\n\n\n\n
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Business Savings & Checking<\/caption>\n
Business Savings & Checking<\/th>\nMinimum Balance to Earn APY*<\/th>\nDividend Rate<\/th>\nAPY*<\/th>\n<\/tr>\n<\/thead>\n
Basic Business Savings<\/td>\n0<\/td>\n0.05<\/td>\n0.05<\/td>\n<\/tr>\n
Business Money Market<\/td>\n$0.00 \u2013 $2,499.99<\/td>\n0.00<\/td>\n0.00<\/td>\n<\/tr>\n
Business Money Market<\/td>\n$2,500.00 – $49,999.99<\/td>\n1.20<\/td>\n1.20<\/td>\n<\/tr>\n
Business Money Market<\/td>\n$50,000.00 – $99,999.99<\/td>\n1.40<\/td>\n1.40<\/td>\n<\/tr>\n
Business Money Market<\/td>\n$100,000.00 +<\/td>\n1.60<\/td>\n1.60<\/td>\n<\/tr>\n
Basic Business Checking<\/td>\n0<\/td>\n0.05<\/td>\n0.05<\/td>\n<\/tr>\n
Business Premium Checking<\/td>\n0<\/td>\n0.05<\/td>\n0.05<\/td>\n<\/tr>\n
Business Money Market Checking<\/td>\n$0.00 \u2013 $2,499.99<\/td>\n0.00<\/td>\n0.00<\/td>\n<\/tr>\n
Business Money Market Checking<\/td>\n\u00a0Over $2,500<\/td>\n0.05<\/td>\n0.05<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Certificates<\/h3>\n\n\n\n
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Certificates<\/caption>\n
Certificate<\/th>\nMinimum Balance<\/th>\nDividend Rate<\/th>\nAPY*<\/th>\n<\/tr>\n<\/thead>\n
12 Month \u2013 $500 Minimum \/ Tier 1<\/td>\n$500.00<\/td>\n4.60<\/td>\n4.71<\/td>\n<\/tr>\n
12 Month \u2013 $50,000 Minimum \/ Tier 2<\/td>\n$50,000.00<\/td>\n4.65<\/td>\n4.76<\/td>\n<\/tr>\n
12 Month \u2013 $75,000 Minimum \/ Tier 3<\/td>\n$75,000.00<\/td>\n4.70<\/td>\n4.81<\/td>\n<\/tr>\n
18 Month \u2013 $500 Minimum \/ Tier 1<\/td>\n$500.00<\/td>\n4.50<\/td>\n4.60<\/td>\n<\/tr>\n
18 Month \u2013 $50,000 Minimum \/ Tier 2<\/td>\n$50,000.00<\/td>\n4.55<\/td>\n4.65<\/td>\n<\/tr>\n
18 Month \u2013 $75,000 Minimum \/ Tier 3<\/td>\n$75,000.00<\/td>\n4.60<\/td>\n4.71<\/td>\n<\/tr>\n
24 Month \u2013 $500 Minimum \/ Tier 1<\/td>\n$500.00<\/td>\n4.40<\/td>\n4.50<\/td>\n<\/tr>\n
24 Month \u2013 $50,000 Minimum \/ Tier 2<\/td>\n$50,000.00<\/td>\n4.45<\/td>\n4.55<\/td>\n<\/tr>\n
24 Month \u2013 $75,000 Minimum \/ Tier 3<\/td>\n$75,000.00<\/td>\n4.50<\/td>\n4.60<\/td>\n<\/tr>\n
30 Month \u2013 $500 Minimum \/ Tier 1<\/td>\n$500.00<\/td>\n3.90<\/td>\n3.98<\/td>\n<\/tr>\n
30 Month \u2013 $50,000 Minimum \/ Tier 2<\/td>\n$50,000.00<\/td>\n3.95<\/td>\n4.03<\/td>\n<\/tr>\n
30 Month \u2013 $75,000 Minimum \/ Tier 3<\/td>\n$75,000.00<\/td>\n4.00<\/td>\n4.08<\/td>\n<\/tr>\n
36 Month \u2013 $500 Minimum \/ Tier 1<\/td>\n$500.00<\/td>\n3.90<\/td>\n3.98<\/td>\n<\/tr>\n
36 Month \u2013 $50,000 Minimum \/ Tier 2<\/td>\n$50,000.00<\/td>\n3.95<\/td>\n4.03<\/td>\n<\/tr>\n
36 Month \u2013 $75,000 Minimum \/ Tier 3<\/td>\n$75,000.00<\/td>\n4.00<\/td>\n4.08<\/td>\n<\/tr>\n
48 Month \u2013 $500 Minimum \/ Tier 1<\/td>\n$500.00<\/td>\n3.90<\/td>\n3.98<\/td>\n<\/tr>\n
48 Month \u2013 $50,000 Minimum \/ Tier 2<\/td>\n$50,000.00<\/td>\n3.95<\/td>\n4.03<\/td>\n<\/tr>\n
48 Month \u2013 $75,000 Minimum \/ Tier 3<\/td>\n$75,000.00<\/td>\n4.00<\/td>\n4.08<\/td>\n<\/tr>\n
60 Month \u2013 $500 Minimum \/ Tier 1<\/td>\n$500.00<\/td>\n3.90<\/td>\n3.98<\/td>\n<\/tr>\n
60 Month \u2013 $50,000 Minimum \/ Tier 2<\/td>\n$50,000.00<\/td>\n3.95<\/td>\n4.03<\/td>\n<\/tr>\n
60 Month \u2013 $75,000 Minimum \/ Tier 3<\/td>\n$75,000.00<\/td>\n4.00<\/td>\n4.08<\/td>\n<\/tr>\n
Junior<\/td>\n$100.00<\/td>\n4.60<\/td>\n4.71<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Calculators<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Rates Effective as of 10\/18\/2023 Rates are subject to change Auto Loans New Auto & Motorcycles (2024-2022) New Auto & Motorcycle Loans (2024 – 2022) Term *APR as low as 0 to 36 Months 5.49% 37 to 60 Months 5.74% 61 to 72 Months (Minimum Loan Amount \u2013 $15,000) 6.49% 73 to 84 Months (Minimum […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mc_calendar":[],"_links_to":"","_links_to_target":""},"_links":{"self":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages\/7374"}],"collection":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/comments?post=7374"}],"version-history":[{"count":4,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages\/7374\/revisions"}],"predecessor-version":[{"id":8236,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages\/7374\/revisions\/8236"}],"wp:attachment":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/media?parent=7374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}