Learn how THCU protects your funds

Loan Rates

(Revised 9/1/2018) 

TYPE TERMS AND CONDITIONS ANNUAL PERCENTAGE RATE* Approximate Monthly Payment
(per $1,000)
BASED ON DISCOUNTED RATE
New and Used Vehicles 60 Months 2.95% to 13.70% $17.97
72 Months 2.95% to 14.70% $15.20
Recreational Vehicles, Boats, Travel Trailers, Motorcycles To 84 Months 6.25% to 17.00% $14.77 (84 Months)
Home Equity Loans To 30 years based on certain terms and conditions Please call for a rate quote. Rates change daily.
Unimproved Property 60% Appraised Value
To 120 Months
7.25% to 17.75% $11.78 (120 Months)
Share Secured To 36 Months Share Rate + 0.50% Varies according to term and rate
CD Secured To 36 Months CD Rate + 0.50% Varies according to term and rate
Personal and Line of Credit Loans To 60 Months
Up to $20,000
10.25% to 18.00% Varies according to term and rate
Overdraft Protection Loans Up to $500 18.00% Fixed payment of $25
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.

NCUA: Federally Insured by the National Credit Union Admin.
ESI: Excess Share Insurance