Current
Rates

 
Current Loan Rates
Rates effective March, 14 2020
LOAN TYPETERMSAPR*
New & Used Auto Loans24-84 months2.50-13.25%
New & Used Boat Loans24-144 months4.50% - 7.50%
RV Loans: Campers, Trailers, Motor Homes24-144 months6.00% -7.50%
Toy Loans: ATVs, Jet Skis, Motorcycles, Snowmobiles24-60 months4.25% - 6.00%
Personal Loans & Credit Cards
CD Secured Loan (Savings)Less than 1 yearRate + 3.0%
CD Secured Loan (Certificate)VariesRate + 2.0%
Signature Loan12-36 months10.99%
Personal Line of Credit36 monthsvariable
VISA Credit CardN/A9.95% - 12.95%
Mortgages
Home Loans & Mortgages180 - 360 monthsCall for quote
Lot Loans60 - 144 months7.50% - 10.75%
Home Equity Loan60 - 144 months5.44% - 7.01%
Home Equity Line of CreditNo Annual FeeCall for quote

*APR is annual percentage rate. All loans subject to a $5 membership deposit, one deposit per member.

Current Loan Rates
Rates effective March, 14 2020
LOAN TYPETERMSAPR*
New & Used Auto Loans24-84 months2.50-13.25%
New & Used Boat Loans24-144 months4.50% - 7.50%
RV Loans: Campers, Trailers, Motor Homes24-144 months6.00% -7.50%
Toy Loans: ATVs, Jet Skis, Motorcycles, Snowmobiles24-60 months4.25% - 6.00%
Personal Loans & Credit Cards
CD Secured Loan (Savings)Less than 1 yearRate + 3.0%
CD Secured Loan (Certificate)VariesRate + 2.0%
Signature Loan12-36 months10.99%
Personal Line of Credit36 monthsvariable
VISA Credit CardN/A9.95% - 12.95%
Mortgages
Home Loans & Mortgages180 - 360 monthsCall for quote
Lot Loans60 - 144 months7.50% - 10.75%
Home Equity Loan60 - 144 months5.44% - 7.01%
Home Equity Line of CreditNo Annual FeeCall for quote

*APR is annual percentage rate. All loans subject to a $5 membership deposit, one deposit per member.

Current Deposit Rates and Yields
The following rates are set by the Board for June 2020
SavingsNominal RateAPY*
Regular Shares.10%.10%
Minimum deposit $25, for Youth $5. Up to 6 withdrawals per month, no fee.
CheckingNominal RateAPY*
Tongass Gold Checking.05%.05%
A minimum daily balance of $1,500.00 must be maintained to earn the dividend.
Money Market AccountsNominal RateAPY*
$500-$2,499
.10%
.10%
$2,500-$9,999
.12%
.12%
$10,000-$24,999
.14%
.14%
$25,000-plus
.18%
.18%
Minimum opening deposit: $500; minimum balance to avoid fee: $2500.
Up to 3 withdrawals per month, no fee.
Certificates**Nominal RateAPY*
Savings Builder Certificate ( 1 month, renewable, maximum $25,000)
.75%
.76%
90-179 Days
.30%
.30%
180-364 Days
.40%
.40%
12 to 17 months
.70%
.70%
18 to 23 months
.75%
.75%
24 to 35 months
.85%
.85%
36 to 47 months
1.00%
1.00%
48 to 59 months
1.10%
1.10%
60 months
1.15%
1.15%
$500 minimum to open with no maximum, $50 for Savings Builder with $25,000 maximum. Penalty for early withdrawals.
Health Savings AccountsNominal RateAPY*
.10%
.10%
IRA/SEP IRA** (Traditional, Roth, Education SEP accounts)
Nominal Rate
APY*
Shares
.20%
.20%
12 to 17 months
.85%
.85%
18 to 23 months
.90%
.90%
24 to 35 months
1.10%
1.10%
36 to 47 months
1.25%
1.26%
48 to 59 months
1.30%
1.31%
60 months
1.35%
1.36%
Minimum $50 to open IRA share, Minimum $500 to open IRA Certificates.

*Annual Percentage Yield. Dividend rates shown here are stated in Annual Percentage Yield - Rates may change monthly
**There is a penalty for early withdrawal from a certificate or tax deferred IRA certificate. In the event an early withdrawal lowers the certificate balance below the required minumum, the certificate must be canceled or closed, and the penalty amount will be calculated using the full balance of the certificate.

Why finance through TFCU?

Low rates, zero down payment for qualified borrowers.
Financing available for less than perfect credit borrowers.
Local people, local answers. Quick decisions & quick closings.
We know our communities; we understand periodic income from some Alaskan lifestyles.
We consider Members' entire stories when making lending decisions.

1 Subject to the terms and conditions detailed in the Guide to Benefits. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.

2 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

3 Based on approved credit.

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