Loan Products

Transtar FCU Auto Loans can be used to purchase a new or used vehicle.

• When purchasing a new vehicle, TFCU will finance 100% of the purchase price, plus tax, title and license. A copy of the dealer's purchase order or invoice is required

• On a used vehicle purchase, the credit union will loan up to 100% of the retail value quoted in the NADA used car guide, plus tax, title and license

• If a member owns a vehicle free and clear of any liens, they can use the title as collateral to secure a new loan. This is a great way to get a loan for those personal needs at a lower rate than an unsecured loan

• There is no prepayment penalty if a member wants to pay off the loan early

Get out on the water or hit the road with an affordable loan:

• Includes boats, motors, trailers, motor homes, farm equipment and motorcycles

• The credit union will finance up to 100% of the purchase price on new vehicles and 100% of the loan value in the NADA book on used vehicles, plus TT&L

If you are in the market for a new home or would like to save money by refinancing, Transtar FCU can help with all of your mortgage needs. Your loan officer will work with you to find the perfect program to fit your budget.

• Low or no down payments

• Flexible terms, 10-30 years

• Competitive rates

• No prepayment penalty

• Same day pre-qualification

• Low closing costs

• Mortgage Calculator - run the numbers

For rate or application information, click here and apply for your mortgage online, OR give us a call at (281) 671 6149.

Enjoy financial control and flexibility with a Transtar FCU VISA® or MasterCard®. Recognized by retailers worldwide, each provides you with financial security when traveling on business or vacation in the United States or abroad. All TFCU cards feature no annual fee and a 25-day grace period on purchases.

Transtar FCU Platinum MasterCard® offers:

• Rates starting as low as 7.9% APR

• Worldwide acceptance

• Cash advances available through thousands of ATMs

Transtar FCU Gold MasterCard®/VISA® offers:

• A low 9.9% APR

• Worldwide acceptance

• Cash advances available through thousands of ATMs

Transtar FCU Classic MasterCard®/VISA® offers:

• No annual fee

• A low 11.9% APR

• Worldwide acceptance

• A 25-day interest-free grace period to pay off your balance by your payment due date

• Cash advances available through thousands of ATMs

Secured MasterCard®/VISA®

• If you are rebuilding your credit or would like to limit the credit availability to the amount in a savings account, you can choose a Secured MasterCard® or VISA®.

To receive your Transtar FCU MasterCard®/VISA®, complete a credit card application below or visit one of our branch locations to obtain information.

Do your finances or home need an update? After working for years to pay for your home, now let your home return the favor! Talk to us about letting your home work for you as collateral in a Home Equity Loan. A Home Equity Loan can help you finance a college education, improve the value of your home, pay major medical expenses, help you with debt consolidation, finance a wedding, pay for a vacation or enhance your retirement years.

Interest on Home Equity Loans may be tax deductible and you can still declare your home as a homestead for tax exemption purposes. (Please consult your tax advisor for details on deductibility. Interest rates on Transtar FCU Home Equity Loans are competitively priced, with no closing costs on loans under $50,000.00.

Contact us today or visit one of our branch locations for more information.

Establish a line of credit loan with Transtar FCU and have it available to meet your cash flow needs. A Line of Credit can be used to consolidate debt, take a vacation, buy new furniture, educational needs, or just for extra spending money. To access an established line of credit, simply request a draw from a Transtar FCU teller, or from TAPS (Transtar Automated Phone System) and have your money immediately. You can even transfer money from the Line of Credit into any of your checking, savings or loan accounts via our e-branch. It is that simple.

If you do not have sufficient funds to cover an outstanding check, VISA® Check Card transaction or ATM withdrawal, a Line of Credit can automatically provide the needed funds to cover the draft. The amount needed to cover the transaction will be deducted from your choice of either your savings account or a Line of Credit loan. You may designate both if you wish, giving priority to one account.

Need to make a purchase but do not want to deplete your savings? This loan allows a member to borrow up to 100% of the savings account balance at TFCU at a very low rate. As the loan is paid down, an equal amount will become available.

A member can elect to have a single payment secured loan. This loan can be made for any amount up to 90% of the available balance in the account with a maximum term of 12 months. At the end of 12 months, you can pay the loan off, or pay the accrued interest and renew the loan for an additional 12 months.

A Certificate Secured Loan is 100% secured by the borrower's certificate with Transtar FCU. The rate is the certificate's rate plus 3% with a maximum term of 60 months or term of certificate, whichever is less.

You can also choose to have this loan set up as a single payment loan which qualifies you to borrow up to 90% of the value of the certificate. The maximum term is 12 months or the term of certificate, whichever is shorter.

Transtar FCU Signature Loans are available for a wide range of purposes. These loans all carry a fixed rate and provide low-cost funds for all of the following reasons:

• To consolidate debts

• To take a vacation

• To buy a computer

• To buy new furniture

• To pay school expenses

The money can be borrowed up to a five year period (depending on the amount) to make the payments affordable to you. There is no prepayment penalty to pay off the loan early.