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Tri-Cities Community Federal Credit Union
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Want to skip your December Loan Payment? Submit *this* form at least one week before your December payment is due. Please note: Mortgage and Credit Card loans are not eligible. Some restrictions apply, members are responsible to follow up to ensure they have been approved. Read all disclosures before signing the form.

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 Current model + 3 years 1.99% - 18.00% 24-84 months Up to 100% Book Value or purchase price
Older Auto/Truck 4 Years 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 Current model + 4 Years 3.74% - 18.00% to 120 months Up to 90% of retail value
Older RVs/Boats/Trailers 5 Years and older 5.24% - 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 & 15 Year Origination Fees Apply 4.13% - 11.14% 15-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
origination fees apply
5.56% - 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).

Platinum Card (for best credit members only)
Maximum Account $10,000
Interest Rate 10.90%
Interest Rate
(with active checking account)
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)
Annual Fee $0
Cash Advance Fee
Grace Period 25 days

TCFCU Credit Card Agreement
TCFCU Credit Card Application


Loan Calculator

Auto Warranty Services Question:

When does the manufacturer's warranty on your vehicle expire? Answer: Right before you need it!

The automobile industry spends millions studying the longevity of their manufactured vehicles. If you were to dive into their data, you would discover that the majority of mechanical and system failures occur within the first few months of a vehicle's life and/or after roughly 40,000 miles.

Certainly they want to provide a warranty on the car when it is new so that you will be happy with them and come back for more. They want their customers to drive away with peace of mind. However, that warranty goes away just as the data shows that more problems will pop up. According to the manufacturer's data, when the warranty goes, the water pump goes. When the warranty goes, the transmission goes. When the warranty goes, the peace of mind goes.

Tri-Cities Community FCU has a program to help our members with this problem. We are now able to provide protection for your vehicle as well as peace of mind for you. Our coverage programs provide roadside assistance, trip interruption protection, rental car coverage, and other benefits in addition to covering the cost of parts and labor for your breakdown. Our program protects you and your vehicle nationwide and for an unlimited number of claims.

Regain your Peace of Mind. Talk to us about our Motorist Assistance Plan Service Contracts today. Financing options available, contact Trevor at 735-8331.

Payment Terms and Conditions:

I hereby authorize Tri-Cities to initiate a charge entry on my NON Tri-Cities Credit Union credit or debit card, in the amount equal to the amount I enter into the online payment option. I acknowledge I am reponsible for inputting the correct amount and also my Credit Union Member Account Number and a description of the loan. By submitting an online payment, I agree that there are funds sufficient to pay all requested payments, and agree that Tri-Cities Credit Union is not liable for any overdraft or sufficient fund situation or charge (including, but not limited to, finance changes, late fees or similar charges) caused by my failure to maintain funds sufficient to pay the payment amount I indicated. I recognize that there may be 'cash advance' fees charged by my credit or debit card issuer (not Tri-Cities Credit Union), and I accept responsibility for them. By submitting this information I promise that I am the authorized holder and user of the card as entered. I understand that an online payment will be processed and credited to my Tri-Cities Credit Union loan account within two business days.


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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

Equal Housing Lender