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Loan Products

Loan Products


Auto Loans

Loans are available for cars, trucks, motorcycles, ATVs, snow machines, RVs and travel trailers.

  • New, Used, Pre-Approvals, Refinances
  • Maximum terms vary based on vehicle type
  • Same rate for new and used
  • 100% financing on cars and trucks for qualified borrowers
  • .25% off rate with auto-pay)
  • GAP Insurance available
  • Life and Disability insurance available

Apply For A Loan

Looking for a car? Try Auto Solution, they are dedicated to serving credit union members of the Northwest with their auto buying needs. Click the logo for more information.

Mortgage Loans

We offer all types of mortgage loans including purchase, refinance and cash out.

  • Financing available for many property types:
    • Single family
    • Multifamily
    • Condominium
    • Trailer on a lot or in a commercial park
    • Remote property
  • Conventional Freddie Mac, Fannie Mae and Alaska Housing Finance Corporation loans available.
  • Fixed rates, adjustable rates, jumbo loans, unique loans
  • Ask about our special Short-Term Fixed-Rate mortgage! Payoff your house at the same rate as our five-and seven-year vehicle loan rates! Nearing retirement? This product may be right for you!

Apply For A Loan

Home Equity Loans

Use the hard-earned equity in your home for educational, home improvement, debt consolidation or whatever need you have. At Tongass Federal Credit Union we offer two types of Home Equity Loans:

  • Home Equity Loan
    • New loan or refinance
    • Fixed terms available at fixed rates
    • Interest may be tax deductible
  • Home Equity Line of Credit
    • The perfect financial tool for emergencies, repairs, vacations, unexpected expenses of all types.
    • No annual fees
    • May be used as overdraft protection for your checking account
    • Make a draw when you need extra cash

Apply For A Loan

View Home Equity LOC Disclosure

Boat Loans

We have financing available for new or used boats, engine repairs, purchases and upgrades.

  • A variety of terms available
  • Fixed rates
  • .25% off rate with auto-pay
  • Financing available for  many types of vessels from skiffs to yachts
  • Watch for our spring specials each year. You may get a free derby ticket when you finance your boat with us!

Apply For A Loan

Signature Loans

  • Personal Line of Credit
    • Limits up to 2 times gross monthly income
    • May be used as overdraft protection for your checking account
    • Easy access to funds without re-applying for a loan
    • Advances available online and by phone.
  • Signature Loans
    • Loans made without collateral to be used for any purpose
    • Terms up to 3 years
  • Holiday Bucks & Summer Sale
    • Signature loans available in twice each year (Christmas and Summer)
    • One year term
    • Special low rate determined annually

Apply For A Loan

Other Loans

At Tongass Federal Credit Union we have all types of loans for various purposes. Additional loans offered include the following:

  • Remote property loans with cabins or raw land
    • Fixed rates available
    • Varying terms up to 12 years
  • Lot loans
    • Fixed rates available
    • Varying terms up to 12 years
  • Aircraft loans
    • Fixed rates available
    • Varying terms up to 10 years
  • Certificate secured loans
    • Certificate funds at Tongass Federal Credit Union are collateral for loan
    • Rate is 2% above what you are earning on your certificate deposit
    • Terms up to 5 years

Apply For A Loan

VISA Credit Card

Click here for a copy of VISA card disclosure

  • Classic VISA
    • Low fixed rate of 12.95% APR
    • Balance transfer rate of 7.99% APR!
    • Worldwide acceptance of VISA logo
    • No annual fee
    • No cash advance fee (interest will apply)
    • Same low rate for purchases and cash advances
    • Limits up to $7,500
    • View your account online at www.eZCardInfo.com

  • Secured Classic VISA Loans
    This card option was created for members who may be unable to qualify for a standard Classic VISA but wish to build (or re-build) their credit.
    • Same features as Classic VISA above plus:
      • Savings deposit required to secure VISA limit.
  • Platinum VISA
    • Low fixed rate of 9.95% APR
    • Balance transfer rate of 7.99% APR!
    • Worldwide acceptance of VISA logo
    • No annual fee
    • No cash advance fee (interest will apply)
    • Same low rate for purchases and cash advances

 
         
Phone Number: (907) 225-9063   •   CU*Talk (Audio Teller): (844) 498-8542  •   Lost/Stolen Credit Card: (800) 325-3678  •   Lost/Stolen Debit Card: (800) 682-6075
 
 
This credit union is federally insured by the National Credit Union Administration.
     
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