Loan Rates
(Revised 4/01/2024)
| TYPE | TERMS AND CONDITIONS | ANNUAL PERCENTAGE RATE* | Approximate Monthly Payment (per $1,000) BASED ON LOWEST RATE |
|---|---|---|---|
| New and Used Vehicles | Up to 48 Months | 5.75% to 14.25% | $24.00 |
| 49 to 66 Months | 6.00% to 14.50% | $18.00 | |
| 67 to 72 Months | 6.50% to 17.00% | $17.00 | |
| 73 to 84 Months | 7.00% to 18.00% | $16.00 | |
| Recreational Vehicles, Boats, Travel Trailers, Motorcycles | To 84 Months | 6.75% to 18.00% | $15.00 |
| 85 to 120 Months | 7.75% to 18.00% | $12.00 | |
| Home Equity Loans | To 30 years based on certain terms and conditions | Call for a quote. Rates subject to change daily. | |
| Unimproved Property | 60% Appraised Value To 120 Months |
9.25% to 18.00% | $12.86 |
| Share Secured | To 36 Months | Share Rate + 0.50% | Varies according to term and rate |
| CD Secured | To Term of CD | CD Rate + 0.50% | Varies according to term and rate |
| Personal and Line of Credit Loans | To 60 Months Up to $20,000 |
9.90% - 18.00% | Varies according to term and rate |
| Overdraft Protection Loans | Up to $500 | 18.00% | $25 payment |
| MasterCard | $500 to $5,000 | 13.90% | Based on 3% of the card balance |
| MasterCard Gold | $5,000 to $20,000 | 9.90% | Based on 3% of the card balance |
* Your rate may vary from the above rates and will be determined by your credit history and credit union services utilized. Payments calculated on $1,000 with 45 days before 1st payment without credit life or credit disability insurance.
NCUA and ESI
THCU accounts are insured up to $250,000 by the National Credit Union Administration. The NCUA is an independent agency of the United States Government. Each qualifying account is also provided with an additional $250,000 of protection through ESI (Excess Share Insurance). This additional layer of coverage forms the highest level of federal and private account protection available.
