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Rates

Effective Date: May 2020

New and Used autos up to 9 years old
Term APR*
Up to 72 months 2.75%
73-84 months 3.75%

*APR = Annual Percentage Rate. These rates are for new money only. Refinance existing TSCU loans only if a minimum change to the principal is $1,500.00 new money borrowed. Members will receive the current rate qualified by their credit score and the collateral.

Used Vehicles over 9 years old
Term APR*
Up to 48 months 5.00%
49-60 months 6.15%

*APR = Annual Percentage Rate. These rates are for new money only.

Motorcycles, Horse trailers, Utility trailers, ATVs, Dirt Bikes
Term APR*
Up to 60 months 3.15%
61-72 months 4.45%
73-84 months** 5.45%

*APR = Annual Percentage Rate. 
**Must be over $50,000 loan balance. Add 2% for Vehicles w/ over 100,000 miles. Add 3% for Dirt Bikes and ATVs.

RVs, Travel Trailers, 5th Wheels, Motor Homes, Boats
Term APR*
Up to 72 months 4.45%
73-108 months $50,000 or more loan balance 5.20%
109-144 months $50,000 or more loan balance 5.95%
145-180 months $75,000 or more loan balance 6.95%

*APR = Annual Percentage Rate.

HVAC Loan
Term APR*
HVAC Loan up to 60 months 8.00%

*APR = Annual Percentage Rate.

Personal
Type of Loan APR*
Signature Loan up to 48 months 8.50%
Signature Loan 49-60 months 9.50%

*APR = Annual Percentage Rate 

Share Secured Loan
Type of Loan APR*
Share Secured 2.00%
Time Share Secured 1.50%

*APR = Annual Percentage Rate.Above interest rate earned on Time Share Deposit, if Time Share is pledged as security for loan.

Credit Cards
Card Type APR*
Platinum Mastercard 10.90%

*APR = Annual Percentage Rate. This rate is subject to change without notice. Depending on your credit worthiness. Not all members will qualify for the above rates.
**Interest rate cap per NCUA