Chat Now

Member Services

Enroll Here


Rates

Signature/Personal Loan

As Low As 11.00% APR

Effective 7/01/18

Certificate of Deposit

SPECIALS:

  • 17 Month, 2.25% APY – new money to the credit union only (cannot roll over current TFCU funds)
  • New money to TFCU –  $25,000 – $50,000 KICK UP the rate .05% – any term
  • New money to TFCU –  > $50,000 KICK UP the rate .10% – any term
Term APY*
6 Months .40%
12 Months .75%
18 Months .75%
24 Months 1.25%
30 Months 1.82%
36 Months 1.50%
48 Months 2.83%
60 Months 2.00%
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. Updated 11/1/18

Real Estate Loans –

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

Updated 7/01/2018

Mortgage Loan Types/Details

1st Mortgage

Please call Adam Lounsberry, Mortgage Specialist, for today’s rates at (563) 388-8328 ext. 9415

  • 30 Year Fixed (Secondary Market and will be re-sold) Rate: Rates change daily
  • 20 Year Fixed (Secondary Market and will be re-sold) Rate: Rates change daily
  • 15 Year Fixed (Secondary Market and will be re-sold) Rate: Rates change daily
  • 10 Year Fixed (In-House) Rate: 3.79% (4.023% APR)**
  • 15 Year Fixed (In-House) Rate: 4.00% (4.162% APR)**
  • 5/1 ARM^(In-House Adjustable-Rate Mortgage) Rate: 4.50% (4.593% APR)**
  • 10/1 ARM^(In-House Adjustable-Rate Mortgage) Rate: 4.75% (4.845% APR)**
  • 10/1 ARM^(In-House Adjustable-Rate Mortgage) In-house 97% Financing Rate: 5.25% (5.345%APR)**

Payments Per Thousand Borrowed:

  • 15/30 Year Fixed (Secondary Market): Changes daily
  • 10 Year Fixed (In-House): $10.03
  • 15 Year Fixed (In-House): $7.40
  • 5/1 ARM^: $5.07
  • 10/1 ARM^: $5.22
  • In-house 97% Financing: $5.07

Variable Rate Home Equity Loans^

  • 15 Year HELOC (In-House) Rate: 4.75%

Fixed Rate Home Equity Loans for less than 60 months

  • Rate: 3.99%

Fixed Rate Home Equity Loans  61 – 120 Months

  • Rate: 4.49%

Fixed Rate Home Equity Loans for longer than 120 Months

  • Rate: 4.99%

Home Improvement Loans (quoted as low as)

  • Rate under $7,500:
    • 7.75% up to 36 months
    • 8.25 up to 48 months
    • 8.75 up to 60 months
  • Rate $7,500 – $20,000:
    • 6.75% up to 60 months
    • 7.25 up to 84 months
    • 7.75 up to 120 months
  • Variable Rate (80.1 – 95% LTV): 8.25%  Floor 4.75%
Mortgage rates quoted are subject to change without notice and are known to change several times per day. Mortgage rates are provided as a sampling of what rates are, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,00, 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, credit scores and other variables.
^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.1st Mortgage Rates updated quarterly. **These in-house products qualify for our First Time Homebuyers Program which entitles members to $250.00 off closing costs, counseling which covers 1 required trade line.

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 1/1/2014. 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”
1/1/2014

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 1/1/2014

Vehicle Loans

Loan APR% As Low As**
New & Used Vehicles,
Trucks, Motorcycles*
2016 – 2019
2.74% up to 48 months

3.24% up to 60 months. (3.49% 72 months available on lower mileage vehicles)

4.24% (84 months)
New & Used Vehicles & Motorcycles* 2012 – 2015 3.24% up to 48 months

3.49% up to 60 months (Year 13/14, 3.99%, 72 months available)

Used Vehicles & Motorcycles*
2011 and older
5.99% up to 36 months

Other terms/rates available

New & Used Boats, RVs,
Campers*
2016 – 2019
3.99%
Used Boats, RVs,
Campers*
2012 and 2015
4.74%
Used Boats, RVs,
Campers*
2011 and older
 6.74%
**Rates Effective 09/01/18. 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 3.24% APR, the monthly payment will be $272.
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.