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Rates

Signature/Personal Loan

As Low As 11.00% APR

Effective 12/1/20

Share Certificate

Term APY*
6 Months .25%
12 Months .45%
18 Months .65%
24 Months .65%
30 Months .85%
36 Months 1.01%
48 Months .65%
60 Months 1.06%
Minimum balance of $500 required to earn dividends.
*APY: Annual Percentage Yield. Rates are subject to change without notice. Minimum term 6 mos. Penalty for early withdrawal.
Please call 563-388-8328 for current rates or additional details. Updated 12/01/20

Real Estate Loans –

All Rates are disclosed as Annual Percentage Rate (APR) and “As Low As” – for best credit worthiness

Updated 1/12/2021

Mortgage Loans

Adam Lounsberry, Mortgage Specialist NMLS #463993, (563) 388-8328 ext. 9415

Bill Rossow, Mortgage Specialist NMLS # 502393, (563) 210-2787

1st Mortgage – Please call 563-388-8328 for today’s rates

  • 30 Year Fixed^^ (Secondary Market will be re-sold, servicing is retained at TFCU) Rate: Rates change daily
  • 20 Year Fixed^^ (Secondary Market will be re-sold, servicing is retained at TFCU) Rate: Rates change daily
  • 15 Year Fixed^^ (Secondary Market will be re-sold, servicing is retained at TFCU) Rate: Rates change daily
  • 10 Year Fixed (In-House) Rate: 2.15% (2.377% APR)*
  • 15 Year Fixed (In-House) Rate: 2.25% (2.405% APR)*
  • 5/1 ARM^(In-House Adjustable-Rate Mortgage) Rate: 3.00% (3.168% APR)
  • 10/1 ARM^(In-House Adjustable-Rate Mortgage) Rate: 3.25% (3.337% APR)
  • 10/1 ARM^(In-House Adjustable-Rate Mortgage) 97% Financing Rate (exclusively for First Time Home Buyers) Call Mortgage Department
  • 15 Year Fixed Investment Property Rate: 3.50% (3.660% APR)*

Payment Example (Per Thousand Borrowed):

  • 15/30 Year Fixed^^ (Secondary Market): Changes daily
  • 10 Year Fixed* (In-House): $9.27
  • 15 Year Fixed* (In-House): $6.55
  • 5/1 ARM^: $4.21
  • 10/1 ARM^: $4.35
  • In-house 97% Financing* (exclusively for First Time Home Buyers) Changes Daily
  • 15 Year Fixed Investment Property*: $7.03

Variable Rate Home Equity Loans

15 Year HELOC (In-House)**

  • Rate: 3.25% APR

Fixed Rate Home Equity Loans

For less than 60 months~

  • Rate: 3.49% APR

 61 – 120 Months~

  • Rate: 4.49% APR

For longer than 120 Months~

  • Rate: 5.25% APR

Home Improvement Loans (quoted as low as)

  • Annual Percentage Rate (APR) under $20,000:
    • 8.25% APR up to 36 months – Payments per $1,000 are $7.01
    • 8.75 APR up to 48 months – Payments per $1,000 are $7.43
    • 9.25 APR up to 60 months – Payments per $1,000 are $7.86
  • Annual Percentage Rate (APR) over $20,000:
    • 7.25% APR up to 60 months – Payments per $1,000 are $6.16
    • 7.75% APR up to 84 months – Payments per $1,000 are $6.58
    • 8.25% APR up to 120 months – Payments per $1,000 are $7.01
  • Variable Annual Percentage Rate (80.1 to 100% LTV): 8.5% APR   Floor 5.50% APR
^^Secondary Market Mortgage rates quoted are subject to change without notice and are known to change several times per day. Please contact the credit union for today’s rates.

*Fixed Rate Mortgages are provided as a sampling of what rates are, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,000, with good credit (lower down payment options available). Closing costs, real estate taxes and property or flood insurance, if required, are not included. Rates may vary, based on loan amounts, subject property, loan qualification and credit scores. First Mortgage Rates are reviewed quarterly. These in-house products qualify for our TFCU First Time Home Buyers Program which entitles members to $250.00 off closing costs, counseling which covers 1 required trade line.

^Variable Rate Mortgage, stated as Annual Percentage Rate (APR), may change during the term of the loan. Rates are provided as a sampling, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,000, with good credit (lower down payment options available). All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications and collateral conditions.

~Fixed Rate Home Equity, stated as Annual Percentage Rate (APR). Taxes and insurance premiums are not included in the payment and the actual payment if applicable will be greater.

  • 60 months at 3.49% APR equal payments of $18.19 per $1,000 borrowed
  • 120 months at 4.49% APR equals payments of $9.88 per $1,000 borrowed
  • 121 months at 5.25% APR equals payments of $9.99 per $1,000 borrowed

**Variable Rate Home Equity – Annual Percentage Rate (APR) may increase after consummation of the loan. All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Example of repayment of a Variable Home Equity at the stated rate and term:

  • 3.25% APR payments of $7.03 per $1,000 borrowed
  • 60 month draw period
  • Floor 3.25% APR with a maximum of 9.25% APR

Savings Rates

Share Minimum Balance Requirement* APY*
Regular Shares $100 – $2,000 .15%
Regular Shares $2,000 .20%
CU Succeed Teen Club $100 .15%
Kirby Kangaroo Club $100 .15%
Tiered Accounts
Balances to earn dividends up to $1,500 – $24,999 .30%
Balances to earn dividends up to $25,000 – $49,999 .40%
Balances to earn dividends up to $50,000 – $99,999 .50%
Balances to earn dividends over $100,000 .55%
Christmas Club $100 .15%
Health Savings .20%
Thrift Shares $100 .15%
*Minimum balance required to earn dividends
APY: Annual Percentage Yield. Accurate as of 10/1/2020. Minimum daily balance to earn must be maintained each day to get this APY. Dividends are calculated daily and credited and compounded monthly. Rates, terms, and conditions are subject to change without notice. Available to small business and member accounts only.
TIA quoted is: Interest “As High As”

Checking Accounts

Share *Minimum Requirement to earn dividends APY*
Share Draft Accounts $2,500 0.05%
*Minimum balance required to earn dividends. APY: Annual Percentage Yield. Rates accurate as of 10/1/2020


Fees

Vehicle Loans

Loan APR% As Low As**
New & Used Vehicles,
Trucks, Motorcycles*
2018 – 2021
2.24% up to 48 months

2.99% up to 60 months.

3.49% 72 months

4.24% 84 months available on lower mileage vehicles
Used Vehicles & Motorcycles* 2014 – 2017 3.49% up to 48 months

3.74% up to 60 months (72 months available 2015/16 only)

Used Vehicles & Motorcycles*
2013 and older
6.24% up to 36 months

Other terms/rates available

New & Used Boats, RVs,
Campers*
2018 – 2021
4.24%
Used Boats, RVs,
Campers*
2014 and 2017
4.99%
Used Boats, RVs,
Campers*
2013 and older
 6.74%
**Rates Effective 12/01/20. Rates are stated as annual percentage rates (APR).
*Fixed APR for up to 60 months includes a 10% down payment. For a $15,000 auto loan with a term of 60 months and 2.99% APR, the monthly payment will be $270.
LIFE member loans could include an additional .20% discount off.
All loans are subject to approval and may vary based on creditworthiness, qualifications and collateral conditions.
Rates are based on loans of $2,500 or more. Loans for less than $2,500 will be granted at Signature Rates. Rates are subject to change without notice. Please call for current rates.