Loan Rates

What plans do you have in mind? When you need a personal loan to achieve them, turn to us. We're eager to lift up members in Delaware, Maryland and beyond by providing competitively low loan rates.

New and Used Auto and Motorcycle

Rates Effective Starting: 11/1/2018

Product APR* Term
New Auto** 3.49% 36 months
  3.74% 48 months
  3.99% 60 months
  4.74% 75 months
  5.49% 84 months ($40,000 minimum)
     
Used Auto 3.69% 36 months
  3.94% 48 months
  4.19% 60 months
  4.94% 75 months
  5.69% 84 months ($40,000 minimum)
     
New Motorcycle 3.99% 36 months
  4.24% 48 months
  4.49% 60 months
     
Used Motorcycle 4.19% 36 months
  4.44% 48 months
  4.69% 60 months

* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified members. Rates for Vehicle, Boat/RV, and Unsecured  Loans include a .25% relationship pricing discount for qualified members.  Actual rate may be higher based on creditworthiness.

** New 2018 models, up to 125% of M.S.R.P. based on creditworthiness

Existing loans on new models will be refinanced using the M.S.R.P. for up to 90 days after purchase. Thereafter, they will be financed based on industry valuation sources.

Used vehicles and prior year models sold as new are based on industry valuation sources suggested retail price.

New and Used Boat and RV/Motorhome

Rates Effective Starting: 7/1/2018

Product APR* Term
New Boat & RV 6.24% 72 months
  6.74% 120 months (Minimum of $25,000)
     
Used Boat & RV 6.24% 72 months
  6.74% 120 months (Minimum of $25,000)

* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Rates for Vehicle, Boat/RV, and Signature Loans include a .25% relationship pricing discount for qualified members. Actual rate may be higher based on creditworthiness.

Unsecured Loans

Rates Effective Starting: 10/1/2018

Product APR* Term
VISA Platinum

10.00%
Prime + 4.75% adjusted quarterly.

$25 or 2% of balance monthly, 25-day grace period on purchases
Student VISA 10.00%
Prime + 4.75% adjusted quarterly.
$25 or 2% of balance monthly, 25-day grace period on purchases
VISA Platinum Secured** 5.25%
Prime adjusted quarterly.
$25 or 2% of balance monthly, 25-day grace period on purchases
Student VISA Secured** 5.25%
Prime adjusted quarterly.
$25 or 2% of balance monthly, 25-day grace period on purchases
     
Signature Line of Credit 9.25% Revolving ($500 - $15,000)
Signature Installment 9.25% 72 months ($500 - $15,000)

* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Rates for Vehicle, Boat/RV, and Signature Loans include a .25% relationship pricing discount for qualified members. Actual rate may be higher based on creditworthiness.

** Requires pledge of prime shares equal to 120% of the credit limit.

Share Secured Loans

Rates Effective Starting: 7/1/2018

Product APR* Term
Share Secured Share Rate + 3.00% 120 months; minimum monthly payment of $25
Certificate Secured Share Rate + 3.00% 120 months; minimum monthly payment of $25

Home Equity Loans

Rates Effective Starting: 11/08/2018

Product APR* Term Amount1
Home Equity Variable Rate Line of Credit
(TFCU holds 1st Lien)
Prime Rate; 5.25%
Adjusts Quarterly
Revolving Up to 90% of net** appraised value
       
Home Equity Variable Rate Line of Credit
(1st Lien held elsewhere)
Prime Rate; 5.25%
Adjusts Quarterly
Revolving Up to 80% of net** appraised value; maximum of $100,000.
       
Home Equity Variable Rate 5.490% Up to 20 years Up to 80% of net** appraised value; minimum of $10,000
  5.740% Up to 20 years Up to 90% of net** appraised value; minimum of $10,000
       
       
       

* Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Actual rate may be higher based on creditworthiness.
NMLS #469595

** Appraised value less 1st lien balance.

1Limited to Loans in the Delmarva Peninsula. If TFCU is not first lien holder, the loan amount is limited to 80% LTV with maximum $100,000. Additional limitations may apply.