Rates and terms applicable to your TCCU accounts. This schedule is part of your account agreement.
Rates are accurate as of April 1, 2026.
New & Used Auto Loans
| Model Years | Term | APR* as low as |
|---|
| 2016 or Newer |
Up to 96 months |
4.49% |
Personal Loans
| Loan Type | APR as low as* | Term |
|---|
| Personal Loan |
8.25% |
Up to 60 months |
| Share-Secured Loan |
3.0% above share savings rate |
Up to 84 months |
| Certified-Secured Loan |
3.0% above certificate rate |
Up to 84 months |
| Freedom Line of Credit |
11.50% |
|
Mastercard
| Credit Card | APR as low as* | Maximum Amount |
|---|
| Mastercard ScoreCard Platinum |
11.90% |
$14,999 |
| Mastercard ScoreCard Platinum Preferred |
8.90% |
$25,000 |
RV & Motorhome
| Loan Type | Term | APR as low as* |
|---|
| New Boat |
Up to 144 Months |
7.49% |
| Used Boat |
Up to 84 Months |
9.60% |
| New RV |
Up to 144 Months |
7.49% |
| Used RV |
Up to 84 Months |
9.60% |
Home Equity Line of Credit
| Loan Type | Term | APR* as low as |
|---|
| Interest Only HELOC |
10-year draw, 15-year repayment |
4.00% intro rate for 12 months** |
| Prime HELOC |
10-year draw, 15-year repayment |
4.00% intro rate for 12 months*** |
*APR = Annual Percentage Rate. Includes a .25% discount for Direct Deposit from a payroll entity, combined with auto pay from a TCCU account. All loans are subject to approval. Rates, terms, and conditions are subject to change. Auto loan rates vary depending on your overall qualifications, credit, collateral, and requested terms. Additional discounts are available. **After that, the rate will be WSJ Prime +/- a margin Currently as low as 6.75%-.25%=6.50%. ***After that, the rate will be WSJ Prime +/- a margin Currently as low as 6.75%-.50%=6.25%.
