Loan Rates
Rates Effective April 1, 2025
New & Used - Automobiles
| Loan Type | Term | Rate (APR) | Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
|---|---|---|---|
| Year Models - 2018 & Newer | Up to 36 Months | as low as 4.75% | |
| Year Models - 2019 & Newer | 37 - 48 Months | as low as 4.83% | |
| Year Models - 2020 & Newer | 49 - 60 Months | as low as 4.93% | $10,000 Minimum |
| Year Models - 2021 & Newer | 61 - 72 Months | as low as 5.03% | $20,000 Minimum |
| Year Models - 2024 & Newer | 73 - 84 Months | as low as 5.13% | $35,000 Minimum |
Financing Up to 100% Purchase Price or NADA Retail (whichever is less) Plus T,T&L
Motorcycles/ 4-Wheelers/ Jet Skis/ Boats/ Recreational Vehicles
| Loan Type | Term | Rate (APR) | Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
|---|---|---|---|
| Year Models - 2019 & Newer | Up to 48 Months | as low as 6.40% | |
| Year Models - 2021 & Newer | 49 to 60 Months | as low as 6.40% | $10,000 Minimum |
| Year Models - 2019 & Newer | 73 to 84 Months1 | as low as 6.43% | LT Boats/ RVs $20,000 Minimum |
| Year Models - 2021 & Newer | 85 to 120 Months1 | as low as 6.93% | LT Boats/ RVs $25,000 Minimum |
| Year Models - 2023 & Newer | 121 to 144 Months1 | as low as 7.43% | LT Boats/ RVs $35,000 Minimum |
Financing Up to 100% Purchase Price or NADA Retail (whichever is less) Plus T,T&L
Maximum term for 4 Wheelers and Jet Skis is 48 months
Maximum term for Motorcycles is 72 months
1Terms available for Boats and RVs only
Maximum term for 4 Wheelers and Jet Skis is 48 months
Maximum term for Motorcycles is 72 months
1Terms available for Boats and RVs only
Credit Cards
| Card Type | Rate |
|---|---|
| Platinum Visa | 12.50% - 17.50% |
Home Improvement / Home Equity (TX only)2
| Rate | Term | Financing |
|---|---|---|
| HI 9.24% HE 8.99% | Up to 60 Months | Minimum of $25,000; Maximum of $250,000. |
| HI 9.49% HE 9.24% | 61 to 120 Months | Loan amount is based on value of home amount of equity etc. |
| HI 9.74% HE 9.49% | 121 to 180 Months | Contact the Loan Department for details at 713.627.4000, option 2. |
| HI 9.99% HE 9.74% | 181 to 240 Months |
Loan amounts available from
$25,000.00 to $250,000.00 and
based on value of home,
amount of equity, etc.
2Annual Percentage Rate, available on Texas Homestead Properties only. TFCU is an equal housing lender.
Contact the Loan Department for details at 713.627.4000, option 2.
2Annual Percentage Rate, available on Texas Homestead Properties only. TFCU is an equal housing lender.
Contact the Loan Department for details at 713.627.4000, option 2.
For current mortgage rates go to membersource.mymortgage-online.com.
Personal Loan
| Rate | Term | Financing |
|---|---|---|
| as low as 8.73% | Up to 60 Months | Up to $35,000 ($1,000 minimum) |
Prime Plus Line-of-Credit3
| Rate | Term | Financing |
|---|---|---|
| 11.50% | N/A | Up to $35,000 |
3Ask for current rate. Rate calculated at 4.00% above Prime Rate (not less than 8.75%) as published in the Wall Street Journal effective the last day of each quarter. Rate subject to change without
notice. Any rate change will occur 45 days after the end of the previous quarter. Rate shown is based on the December 2024 Prime Rate.
Share Secured and Credit Builder Secured
Term Share Certificate Secured
| Rate | Term | Financing |
|---|---|---|
| 3.00% over certificate rate | Equal to certificate term | Based on certificate amount (plus interest) |