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Rates

Effective Date: February 2025

New and Used autos up to 9 years old
Term APR*
Up to 72 months 5.74%
73-84 months 6.74%

*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 7.69%
49-60 months 9.14%

*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 6.14%
61-72 months 7.44%
73-84 months** 8.44%

*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 7.44%
73-108 months $50,000 or more loan balance 8.19%
109-144 months $50,000 or more loan balance 8.94%
145-180 months $75,000 or more loan balance 9.94%

*APR = Annual Percentage Rate.

HVAC Loan
Term APR*
HVAC Loan up to 60 months 10.99%

*APR = Annual Percentage Rate.

Personal
Type of Loan APR*
Signature Loan up to 48 months 12.99%
Signature Loan 49-60 months 13.49%

*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