Rates & Fees

Loan Rates

This Rate Schedule for all accounts sets forth certain conditions, rates, fees and charges applicable to your accounts at Tarrant County Credit Union and is incorporated as part of your Account Agreement with us.

For current information call the Credit Union at (817) 884-1470.

"APR" refers to "Annual Percentage Rate"

"TBD" refers to "To Be Determined"

These rates are effective November 1, 2008

Vehicle Loans Return to Top

Loan TypeTermAPR
New Cars Special TBD As low as 4.74% to 15.10%
Used Cars Special TBD As low as 5.00% to 15.35%
 
   
New RVs Special TBD As low as 6.50% to 15.00%
Used RVs Special TBD As low as 7.00% to 15.50%
Other Collateral TBD 9.50% to 17.50%
  • Example: $20,000 new auto loan, 4 year term at 7.5% APR = $483.69 monthly payments for 48 months.
  • Use our Auto Loan Calculator to estimate monthly payments for other amounts and terms.
  • These rates are subject to change. For current information, please call us at 817 884-1470.

Personal Loans Return to Top

Loan Type
TermAPR
Personal Loans

Special

 
 TBD As low as 7.50% to 17.50%
Line of Credit
 Revolving 12.90%
MasterCard or Visa
 Revolving 12.90%
Overdraft Protection

 Revolving 17.00%
Payday Plus TBD 18.00%  
  • Payments on a personal loan of $2,500 financed at 13.50% APR for 24 months would be $119.49 per month or $47.80 per $1,000 borrowed.
  • Use our Personal Loan Calculator to estimate monthly payments for other amounts and terms.
  • These rates are subject to change. For current information, please call us at 817 884-1470.

Student Loans Return to Top

Loan Type
TermAPR
Student Loans Special
 Revolving As low as 8.75%
    Payments on a personal loan of $4,000 financed at 9.00% APR for 12 months would be $127.24 per month or $31.81 per $1,000 borrowed.

Share Secured Loans Return to Top

Loan TypeTermAPR
Share Secured To 180 Months 3.00% above rate earned on
account being pledged as
collateral
  • Payments on a share/savings secured loan of $5,000 financed at 6.00% APR for 60 months would be $96.68 per month or $19.34 per $1,000 borrowed.
  • Use our Personal Loan Calculator to estimate monthly payments for other amounts and terms.
  • These rates are subject to change. For current information, please call us at 817 884-1470.

Mortgage Loan Rates Return to Top

Home Improvement

$10,000 Minimum

 See Home Equity
For Terms
& Rates
  • Payments on a home improvement loan of $20,000 financed at 8.25% APR for 120 months would be $245.36 per month or $12.27 per $1,000 borrowed.
  • Use our Home Loan Calculator to estimate monthly payments for other amounts and terms.
  • Loan Limits: Minimum loan amount is $10,000
  • The maximum loan amount, including all outstanding liens on the property, is 80% of the value of the property.

Home Equity Specials

 Up to 60 Months As low as 6.75% to 8.50%
  5 up to 10 Years As low as 7.25% to 11.00%
  10 up to 15 Years As low as 7.50% to 11.25%
  15 up to 20 Years As low as 7.75% to 11.50%
  • Payments on a home equity loan of $15,000 financed at 7.50% APR for 180 months would be $139.09 per month or $9.27 per $1,000 borrowed.
  • Use our Home Loan Calculator to estimate monthly payments for other amounts and terms.
  • Your Annual Percentage Rate may vary depending on your creditworthiness and will be determined at the time of each advance.
  • The minimum loan amount is $10,000.00. The maximum terms are: 15 years - loans up to $50,000. 20 years - loans over $50,000.
Mortgages 15 year fixed 5.625%
  20 year fixed 5.875%
  30 year fixed 6.00%
 

30 year ARM (4.00)% above 1 yr. Treasury)

 5.375%
  • Maximum Loan to Value Ratios. Purchase Money 95%, Refinanced 80%.
  • Maximum Maturity. Variable Rate 30 years. Fixed Rate 30 years.
  • APR can be increased after consummation of loan on variable rate loans.
  • PMI (Private Mortgage Insurance) required if over 80%
  • NO Origination Fees!
Unimproved Land ($10,000 Minimum) Up to 15 Years 7.25%
  • Payments on a real estate loan of $100,000 financed at 7.15% APR for 180 months would be $907.47 per month or $9.07 per $1,000 borrowed.
  • Use our Home Loan Calculator to estimate monthly payments for other amounts and terms.

Loan TypeTermAPR
Manufactured Homes Up to 10 Years 9.00%
  Up to 15 Years 10.00%
  • Payments on a Manufactured home loan of $35,000 financed at 10.00% APR for 180 months would be $376.23 per month or $10.75 per $1,000 borrowed.
  • Use our Home Loan Calculator to estimate monthly payments for other amounts and terms.
  • Minimum of 20% equity in the home. Maximum Repayment Terms: $25,000 or less - 10 years. $25 +, 15 years

Tarrant County Credit Union is pledged to the letter and spirit of U.S. policy for the achievement of Equal Housing Opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining home financing because of race, color, religion, sex, physical impairment, familial status, age or national origin.

These rates are subject to change. For current information, please call us at 817 884-1470.

Loan Specials Return to Top

* New/Used Cars

To obtain our lowest rate, additional discounts are taken off our standard loan rates for each of the following:  

  • (.50%) Member Loyalty Discount
  • (.50%) Call Before You Buy Discount
  • (.25%) Having or obtaining a TCCU Checking Account
  • (.25%) Having or obtaining a TCCU Credit Card
  • (.50%) Refinancing from another FI within 5 business days of purchase 

MAXIMUM DISCOUNT:  1.25% 

Offer ends November 30, 2008 

**Holiday Loan Special 

To obtain our lowest rate, additional discounts are taken off our standard loan rates for the following:

  • (.25%) Opening or having an existing TCCU Checking Account  
  • (.25%) Having or obtaining an existing TCCU Auto Loan 
     

    Maximum term 36 Months.
    Offer ends January 31, 2009.

     

    ***New/Used RV Special

    To obtain our lowest RV rate, an additional discount is taken off our standard rate for the following:

    • (.50%) Member Loyalty Reward
    • (.25%) Having or Obtaining Checking & Debit Card 

      Offer ends November 30, 2008 

    ****Student Loan Special

    To obtain our lowest Student Loan rate, an additional discount is taken off our standard rate for the following:

    • Discount of (.25%) if Guarantor or Student has checking

            Offer ends November 30, 2008 

    *****Home Equity Specials 

    • Home Equity Member Loyalty, may receive (.50%) discount and $100 Visa Gift Card
    • 1st Time Home Equity may receive (.25%) discount if has or refinances an auto loan with TCCU
    • If TCCU is in first lien position and adds $25,000 new or borrows $25,000 minimum, member may get 20 Year Fixed Mortgage Rate 
    • Offer ends November 30, 2008

     

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