Explore Our Loan Rates

Whether you're looking to consolidate debt, make a big purchase, or fund a special project, our personalized service and flexible terms can help make it happen.
Apply for a Loan
Explore Loans

RATES EFFECTIVE STARTING: 02/03/2025

All Stated Annual Percentage Rates (APR) are the lowest rates available for qualified borrowers.
Actual rate may be higher based on creditworthiness.

Vehicle Loans

Product APR* Model Year Term
New Vehicle** 5.99% <5 Years Up to 60 months
6.24% <5 Years Up to 72 months
6.49% <4 Years Up to 84 months ($25,000 minimum)
Used Vehicle** 5.99% <5 Years Up to 60 months
6.24% <5 Years Up to 72 months
6.49% <4 Years Up to 84 months
Older Model Vehicle 6.24%

6 Years

Up to 72 months
6.49% 7 Years Up to 72 months
7.99% 8-9 Years Up to 60 months
10.51% 10-11 Years Up to 48 months
Classic Auto 6.49% >25 Years Up to 72 months

AUTO LOANS

*LOAN AMOUNTS UP TO $100,000

**TERMS IN EXCESS OF 60 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $15,000.

**TERMS IN EXCESS OF 72 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $25,000.

***2025 OR NEWER MODELS, UP TO 130% OF M.S.R.P. BASED ON CREDIT WORTHINESS.

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.


CLASSIC AUTO LOANS

*LOAN AMOUNTS UP TO $50,000

**TERMS IN EXCESS OF 60 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $10,000.

Used vehicles are based on industry valuation sources suggested retail price. Vehicle must be ready for titling & registration for financing with Tidemark FCU.

Recreational Loans

Product APR* Model Year Term
New/Used RV 6.39% <10 Years Up to 60 months
6.64% 61 to 72 months
7.14% 73 to 120 months (Minimum of $20,000)
New/Used Boat 6.39% Up to 60 months
6.64% 61 to 72 months
7.14% 73 to 120 months (Minimum of $20,000)
New/Used Motorcycle 6.39% < 6 Years 60 Months
New/Used ATV, UTV, or Personal Watercraft 8.56% < 3 Years 72 Months
8.06% 3 – 6 Years 36 Months

RV & BOAT

LOAN AMOUNTS UP TO $100,000

$5,000+ UP TO 84 MONTHS

$20,000+ UP TO 120 MONTHS

UP TO $50,000 MAX LTV 90%

$50,000 - $100,000 MAX LTV 80%

Minimum loan amount $5,000. Value based on book value, survey or dealer cost.


MOTORCYCLE

LOAN AMOUNTS UP TO $40,000

2025 OR NEWER MODELS, UP TO 125% OF M.S.R.P. BASED ON CREDIT WORTHINESS.

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.


ATV/ UTV/ PWC

LOAN AMOUNTS UP TO $25,000

TERMS IN EXCESS OF 36 MONTHS REQUIRE A MINIMUM LOAN AMOUNT OF $10,000.

2025 OR NEWER MODELS, UP TO 100% OF M.S.R.P. BASED ON CREDIT WORTHINESS.

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.

Minimum loan amount $2,000.

Unsecured Loans

Product APR* Term Amount/Limit
Signature Line of Credit** As low as 12.75% Prime + 5.25% adjusted quarterly Minimum monthly payment due is 2.25% of outstanding balance or $50, whichever is greater $500 - $25,000
Signature Installment  As low as 10.51% Up to 72 months $500 - $25,000

**Stated Annual Percentage Rate (APR) is the lowest rate available for qualified borrowers. Based on Prime Rate as of 12/18/2024

Share Secured Loans

Product APR* Term Amount/Limit
Credit Builder 3.00% Up to 60 months $1,000 - $5,000
Shared Secured 3.00% ABOVE TFCU DIVIDEND RATE; ADJUSTED WITH DIVIDEND RATE For loan amounts up to $100,000 terms available up to 10 years; For loan amounts $100,000 or more terms up to 15 years (Minimum monthly payment of $25.00 ) Up to the balance in the prime share at the time of the loan
Certified Secured 3.00% ABOVE TFCU DIVIDEND RATE; ADJUSTED WITH DIVIDEND RATE For loan amounts up to $100,000 terms available up to 10 years; For loan amounts $100,000 or more terms up to 15 years (Minimum monthly payment of $25.00 ) Up to the balance in the certificate share at the time of the loan

SHARE SECURED

UP TO THE BALANCE IN THE PRIME SHARE AT THE TIME OF THE LOAN.



CERTIFICATE SECURED

UP TO THE BALANCE IN THE CERTIFICATE SHARE AT THE TIME OF THE LOAN

First Time Borrower Vehicle

Product APR* Model Year Term
New & Used Auto** 11.64% <9 Years Up to 60 months
10.14%

<7 Years

Up to 72 months
9.89% <4 Years Up to 72 months

*LOAN AMOUNTS UP TO $25,000.

**UP TO 100% LOAN TO VALUE.

***BASED ON AMOUNT BORROWED, MODEL YEAR, AND CREDIT WORTHINESS.

Used vehicles and prior year models sold as new are based on industry valuation sources suggested retail price. New Vehicles based on M.S.R.P.

Ready to Take The Next Step
And Apply for A Loan?

LOAN RATES

Frequently Asked Questions

LOAN RATES

Frequently Asked Questions

Plus, You Get Access to Our Member Premium Benefits

Image

You Become a Member-Owner

We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.

Image

Your Money is Insured & Protected

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.

Image

Your Funds Are Easy to Access

With online and mobile banking, you have access to your account anytime and anywhere from your computer, smartphone, or tablet. Check your account balance, transfer funds, pay bills, and manage your finances easily without going to the bank.