Consumer Loan Rates
Vehicle Loans
| Product | APR as low as i
APR (Annual Percentage Rate) All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. |
|---|---|
| New Vehicle(A) | 5.69%(1) |
| Used Vehicle(B) | 5.69%(1) |
| Classic Vehicle(E) | 6.08%(1) |
| Motorcycle(D) | 5.64%(1) |
| RVs(C) | 5.64%(1) |
| Boats(C) | 5.64%(1) |
| Powersport(D) | 7.31%(1) |
Share Secured Loans
| Product | APR* as low as i
APR (Annual Percentage Rate) All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. |
|---|---|
| Share Secured | 3.00% above TFCU dividend rate; adjusted with dividend rate (2) |
| Certificate Secured | 3.00% above TFCU dividend rate; adjusted with dividend rate (2) |
| Credit Builder | 3.00% |
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Disclosures
*APR = Annual Percentage Rate. All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower.
1 Rates may vary based on term, down payment, credit worthiness and age of unit.
2 Rates are 3% above share/certificate dividend rate; adjusted with the dividend rate. For share secured loan funds must be held in the Prime Share. Retirement certificates are not eligible to be pledged.
3 Variable rate adjusted quarterly based on Prime.
4 Variable rate adjusted monthly based on Prime.
5 Rates based on the Prime Rate of 10/01/2025 (Visa®)
6 Rates based on the Prime Rate of 10/29/2025 (Line of Credit)
ANew Vehicles are considered the five most recent model years. Including Auto, Truck & Van. Rates may vary based on term, down payment, and credit worthiness.
BUsed Vehicles are considered model years between 6 and 11 years. Including Auto, Truck & Van. Rates may vary based on term, down payment, credit worthiness and age of vehicle.
CRVs and Boats must be within the last 10 model years. Boats require financing of Boat (Hull), Motor(s), and optionally a trailer as part of the package.
DMotorcycle and Powersport must be within the last 6 model years. Including bikes, trikes, ATV, UTV and Personal Watercraft. Personal watercrafts require a trailer to be financed in package.
EClassic Auto minimum age requirement of 25 years. Unit must be within the J.D Power definition of a classic automobile. Must remain consistent with the way the car was originally built. Borrowers will be required to submit images of the vehicle to verify It is not currently in the restoration phase.
Rates listed are specifically intended for new money and new loans with Tidemark Federal Credit Union. If you are considering an internal refinance of your existing Tidemark loans, please be aware that these existing loans may not be eligible for the rates advertised. Rate eligibility is contingent upon various factors, including loan type, creditworthiness, and the terms of your current loan agreement.
RATES EFFECTIVE STARTING: 12/1/2025
Rates are subject to change. The rates provided are accurate as of the date listed above. Additional terms and rates are available. Members may reach out to any Credit Union staff member for more information on applicable fees and terms.Plus, You Get Access to Our Member Premium Benefits
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Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.
