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	Loan Services Each application for a loan with TCFCU shall be considered on its own merit and on the applicants' capacity to fulfill his/her obligation. Listed below is the credit union's policy for the amount of money we will lend on any type loan together with the maximum length of payments you may have to pay back the loan. All rates and terms listed below are subject to change without notice. If you would like to know the current interest rate and terms on the loans listed below, you can call 735-8331 and have any employee give you the current loan rate. We are happy to provide an online Loan Application and a Loan Calculator to make it easier for you to obtain the financing you need. As always, you may also call or visit our offices to obtain a printed loan application. Loan Type Description APR* Repayment Conditions Signature Loan Up to $5,000 5.90% - 18.00% 6-36 months Great for taxes, emergencies & vacations. Personal Line of Credit Up to $2,500 8.90% - 18.00% Credit line Great for overdraft protection or emergencies. New/Used Auto/Truck 2009 and newer 1.99% - 18.00% 24-84 months Up to 100% Book Value or purchase price Older Auto/Truck 2008 and older 2.74% - 18.00% 24-84 months Up to 100% Book Value or purchase price Classic Auto 20+ years old 7.99% - 18.00% 48 months Up to 80% of Book Value Newer RVs/Boats/Trailers 2007 and newer 2.99% - 18.00% to 120 months Up to 90% of retail value Older RVs/Boats/Trailers 2006 and older 4.99% - 18.00% to 120 months Up to 90% retail value New/Used Dirtbikes/ATVs Dirtbikes, ATVs, Snowmobiles, Jet Skis 7.99% - 18.00% 48 months Up to 90% purchase price or 100% N.A.D.A. High Book First Mortgage 10-Year No Origination Fee! Save $3,000+ 2.99% - 11.14% 10-year 80% LTV HELOC- Home Equity Line of Credit   4.00% - 15.00% 20-years 80% LTV, 5 yr draw, 15-year repayment Home Equity Loan   4.75% - 15.00% Up to 180 months Up to 80% LTV Bare Land Loan Unimproved Land 5.49% - 14.05% 60-120 months 20yr w/5yr balloon 50% Tax Asmt to $50k 70% Appraisal to $100k Credit Builder Funds in Savings Acct 3.00% + Div Rate 12-84 months Great To Build Credit, guaranteed approval Vacation Secured Funds in Vacation Savings Acct 3.00% + Div Rate 12-84 months Credit builder, guaranteed approval (IBEW #112 only) Interest Rates (VISA) * All rates are Annual Percentage Rates (APR), lowest quoted rate may require automatic payment from a TCFCU checking account. Platinum Card (for best credit members only) Maximum Account $10,000 Interest Rate 10.90% Interest Rate (with active checking account) 8.90% Annual Fee $0 Cash Advance Fee 0% Grace Period 25 days Classic Card Maximum Account $5000 Interest Rate 14.90% Interest Rate (with active checking account) 12.90% Annual Fee $0 Cash Advance Fee 0% Grace Period 25 days TCFCU Credit Card Agreement TCFCU Credit Card Application   Loan Calculator
	Join Today! / Online Teller / Savings Accounts / Checking Accounts / Loan Services About TCFCU / Contact Us / Home Financial Services / Privacy Policy / TCFCU Home Page Privacy Policy Main Office 2626 W. Kennewick Ave. Kennewick, WA 99336 (509) 735 - 8331 (800) 873 - 3354 Touch-tone Teller: (509) 783 - 1900 Email