Loan Rates
(Revised 1/1/2019)
| TYPE | TERMS AND CONDITIONS | ANNUAL PERCENTAGE RATE* | Approximate Monthly Payment (per $1,000) BASED ON DISCOUNTED RATE |
|---|---|---|---|
| New and Used Vehicles | 60 Months | 3.35% to 14.10% | $18.15 |
| 72 Months | 3.35% to 15.10% | $15.37 | |
| 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 |
7.90% 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.
