Loans Tucoemas Credit Union California

Rates

The latest rates on our consumer loans and mortgages. 

Consumer Loan Rates

Effective as of May 1st, 2017


New Vehicles ( 2014 & newer)1

APR

Model Year (2014 & Newer)

Minimum Term 12 Months

Up to 100% Financing

Up to 24 months
36 months
48 months
60-66 months
*72-78 months
**84 months

2.74% - 14.49%
2.74% - 14.49%
2.74% - 14.49%
2.94% - 14.99%
3.24% - 15.49%
3.74% - 15.99%

1New Vehicles: *72 month term (estimated) available when financing over $15,000 and **84 month term (estimated) when financing over $20,000 and subject to credit qualification.

Used Vehicles (2013 - 2008)2

 APR

(Model Year 2013 - 2008)

Minimum Term of 12 Months

 

Up to 100% Financing

Up to 24 months
36 months
48 months
60-66 months
*72-78 months
**84 months

2.89% - 14.99%
2.89% - 14.99%
2.89% - 14.99%
3.09% - 15.49%
3.59% - 15.99%
4.09% - 6.29%

 

2Used Vehicles: *72-78 month term (estimated) available when financing over $15,000 and 84 month term (estimated) when financing over $20,000 for model year 2013-2008. ** 84 months subject to credit qualification.
Older Used Vehicles (Model year 2007 - 2002)3  APR

(Model Year 2007 - 2002) Minimum Term of 12 Months

Up to 100% Financing

Up to 24 months
36 months
48 months
60-66 months
*72-78 months

4.84% - 15.49%
4.84% - 15.49%
4.99% - 15.99%
5.09% - 16.49%
5.59% - 6.99%

3Older Used Vehicles: 72-78 month term (estimated) when financing over $15,000. 72 month term subject to credit qualification.

Click Here to go to our Vehicles Page and see where you can find additional ways to save!

New Recreational Vehicles (Motor Homes, Travel Trailers & Horse Trailers)
New Motorcycles  New Boats & Personal Watercraft

(Model Year 2016 & newer)

 APR

N/A

 

$15,000

$20,000
$30,000

$40,000


Up to 100% 

MSRP

Up to 36 months
48 months
60 months
72 months
84 months
*120 months (RV's only)
*180 months (RV's only) 

4.25% - 14.25%
4.25% - 14.50%
4.75% - 15.99%
5.00% - 16.49%
5.75% - 6.25%
6.25% - 7.25%

7.25% - 8.25%

*72 month term (estimated) available when financing over $15,000 and 84 month term (estimated) when financing over $20,000. Rv’s only: 120 month term (estimated) available when financing is over $30,000 and 180 month term (estimated) available when financing is over $40,000 Current model year of 2015/2016 is considered new if collateral not previously sold/registered.

Used Recreational Vehicles (Motor Homes, Travel Trailers & Horse Trailers) 
Used  Motorcycles, Used Boats & Personal Watercraft

(Model Year 2002-2016)

 APR

N/A

 

$15,000

$20,000
$30,000

$40,000

Up to 100% 

Retail NADA or Kelley Blue Book

 

Up to 36 months
48 months
60 months
72 months
84 months
*120 months (RV's only)
*180 months (RV's only)

4.75% - 15.25%
4.75% - 15.50%
5.00% - 16.99%
5.25% - 16.99%
6.00% - 6.75%
7.00% - 7.75%

8.00% - 8.75%  

*72 month term (estimated) available when financing over $15,000 and 84 month term (estimated) when financing over $20,000. RV’s only: 120 month term (estimated) available when financing is over $30,000 and 180 month term (estimated) available when financing is over $40,000. 

Click Here to go to our eLender site and apply for financing when making a purchase from a non-dealer!

 

Bonus Rate Reduction!

 

A 0.25% rate reduction is available when you sign up for automatic payment. A 0.25% rate reduction is available if loan to value is 85% or less (Car Loan Only). Maximum discount is .50% off APR. Discount not available on Signature and Signature Home Improvement Loans, Share or Certificate Secured Loans). See Loan and Security Agreement and Disclosure Statement for final disclosures of the annual percentage rate.


Signature-Personal Loan  APR
Up to $20,000 Up to 100% Financing

12 months
24 months
36 months
48 months
60 months

 

8.49% -13.99% 
9.49% - 14.99%
10.99% - 15.99%
11.99% - 16.99% 
13.99% - 15.99%

 

Share Secured  APR
Up to 90%

12 - 60 months

 

7.00%

 


Apply Now


For more information regarding Visa Credit Card rates, visit our Visa Credit Card Page.


APR=Annual Percentage Rate. Rates are subject to credit approval, and are subject to change without notice. All rates and information listed here are accurate as of the Effective Date above. Ask a loan representative for more information. 


Truth in Lending (Regulation Z)

Mortgage Lending Rate Sheet

Effective May 1st, 2017

Tucoemas offers its members many types of real estate loans including: 

  • First and second mortgages 
  • Home equity lines of credit 
  • For purchase or refinancing 
  • Fixed or variable rates

Fixed Rate Loans - Term up to 30 years

 

1st Trust Deeds -
Owner Occupied Only
Up to 80% Loan to value (LTV) - Purchase/Refinance
Up to 30 year Term.  
2nd Trust Deeds -
Owner Occupied Only
Up to 80% Loan to value (LTV). Up to 15 year Term.

HELOC

  • Variable Rate Equity Line of Credit Loans
  • No Annual Renewal Fees!
  • No Appraisal Fee!**
  • 2.99% APR for 12 months**

Variable Rate Minimum Rate Index Margin APR* Term Points Cap
80%LTV 5.000% 4.000% 0.000% 5.000% 20 years NONE 14.000%

The APR, payment, or term may change due to variable-rate feature. Owner Occupied only.

Maximum Line of Credit $250,000.00
Minimum Initial Advance $5,000.00
Minimum Subsequent Advances $500.00


Index from Wall Street Journal Prime Rate + Margin = APR* Changes in January, April, July and October *APR = Annual Percentage Rate. Please inquire about closing costs.


**2.99% Annual Percentage Rate is for 12 months after loan is funded. Your regular rate will go into effect at the beginning of the thirteenth month. Low fees and no “out of pocket” closing costs unless appraisal is required. No appraisal option, on most properties, with credit limits up to $100,000. TUCOEMAS reserves the right to require a full appraisal, to be paid at the member’s expense prior to appraisal order. Loans subject to credit approval. Credit limit will be based on your individual credit worthiness and loan to value of the property. Available on owner occupied California real property only. Other restrictions may apply. 2.99% offer valid from November 1, 2016 to May 31, 2017.


The rates quoted here are indications only and are based on certain underwriting criteria, and all rates are subject to change without notice. Current rates for all loan types may be obtained by phoning a real estate loan officer at (559) 737-5780.


Related Content

Visit a Tucoemas Federal Credit Union location, get directions or find our hours of operation.

Tucoemas Federal Credit Union | Email:eservice@tucoemas.org
Visalia (559) 732-8892 | Tulare (559) 685-8892 | Porterville (559) 784-8892
ncua - equal housing lender
Tucoemas Federal Credit Union is a BBB Accredited Credit Union in Visalia, CA
© 2016 Tucoemas Federal Credit Union. All Rights Reserved.
Website design by ZAG Interactive
facebook icon twitter icon