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Kennewick Community Federal Credit Union
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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

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Main Office
2626 W. Kennewick Ave.
Kennewick, WA 99336

(509) 735 - 8331
(800) 873 - 3354
Touch-tone Teller: (509) 783 - 1900
Email

Equal Housing Lender

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