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 New/Used Auto/Truck 2006 and newer 2.99% - 15.00% 36-84 months Up to 100% Book Value or purchase price Older Auto/Truck 2005 and older 3.24% - 15.00% 36-84 months Up to 100% Book Value or purchase price Classic Auto 20+ years old 7.99% - 15.00% 48 months Up to 80% of Book Value Newer RVs/Boats/ Trailers 2005 and newer 6.25% - 15.00% to 120 months Up to 90% purchase price or retail value Older RVs/Boats/Trailers 2004 and older 7.50% - 15.00% to 120 months Up to 90% retail value New/Used Motorcycles/ATVs Motorcycles, ATVs, Snowmobiles, Jet Skis 7.99% - 15.00% 48 months Up to 90% purchase price or 100% N.A.D.A. High Book First Mortgage 10-Year   3.99% - 11.09% 10-year 80% LTV First Mortgage 15-Year   4.74% - 11.64% 15-year 80% LTV, 7-year Call , in-house, no orig (no 7-yr call for balances under $90k or 12 yr terms) First Mortgage 20-Year   5.25% - 11.90% 20-year 80% LTV, 7-year Call , in-house, no orig First Mortgage 30-Year   5.40% - 12.05% 30-year 80% LTV, 7-year Call , in-house, no orig 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 Interest Rates (VISA) * All rates are Annual Percentage Rates (APR) 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 *Platinum VISA Credit Card Agreement & Disclosure *Classic VISA Credit Card Agreement & Disclosure
	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