Rates
TEFCU offers a competitive selection of savings and loan rates. Find the low rate you're looking for below.
Loan Rates Savings/Checking Rates Certificate Rates
Effective as of: 01/15/2025
| Loan Rates | |||||
| New Automobile Loans (models 2021-2025) | |||||
| A Plus (730 Plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
| Up to 36 Months | |||||
| 6.00% | 6.50% | 7.50% | 9.50% | 12.50% | 15.50% |
| 37-48 Months | |||||
| 6.25% | 6.75% | 7.75% | 9.75% | 12.75% | 15.75% |
| 60 Months | |||||
| 6.75% | 7.25% | 8.25% | 10.25% | 13.25% | 16.25% |
| 72 Months | |||||
| 7.75% | 8.25% | 9.25% | 11.25% | 14.25% | 17.25% |
| 84 Months | |||||
| 8.50% | 9.00% | 10.00% | 12.00% | 15.00% | 17.99% |
| Used Automobile Loans (models 2016-2020) | |||||
| A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
| Up to 36 Months | |||||
| 7.0% | 7.00% | 8.00% | 10.00% | 13.00% | 16.00% |
| 37-48 Months | |||||
| 7.00% | 7.50% | 8.50% | 10.50% | 13.50% | 16.50% |
| 60 Months | |||||
| 7.50% | 8.00% | 9.00% | 11.00% | 14.00% | 17.00% |
| 72 Months | |||||
| 8.50% | 9.00% | 10.00% | 12.00% | 15.00% | 17.99% |
| 84 Months | |||||
| 8.75% | 9.25% | 10.25% | 12.25% | 15.25% | 17.99% |
| Used Automobile Loans 2016 - Older (insurance add on) | |||||
| Above terms rate inc. | |||||
| A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
| PLUS | |||||
| 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% |
| A (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
| Equity Adjustments (LTV less than or equal to 75.99%) | |||||
| SUBTRACT | |||||
| 0.25% | 0.50% | 0.75% | 1.00% | 1.25% | 2.00% |
| Recreational Loans* | |||||
| * ( ATV’s/ Snowmobile’s/Dirt Bikes/ Motorcycle’s/ Lawn Tractors/Boat’s/ Camper’s/ Motorhomes. Etc.) | |||||
| Recreational Titled | |||||
| A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
| 12 to 48 Months | |||||
| 7.49% | 8.49% | 10.49% | 12.49% | 14.49% | 16.49% |
| 60 Months | |||||
| 7.99% | 8.99% | 10.99% | 12.99% | 14.99% | 16.99% |
| 72 Months | |||||
| 7.99% | 8.99% | 10.99% | 12.99% | 14.99% | 16.99% |
| 84 Months | |||||
| 7.99% | 8.99% | 10.99% | 12.99% | 14.99% | 16.99% |
| 120 Months | |||||
| 7.99% | 8.99% | 10.99% | 12.99% | 14.99% | 16.99% |
| 180 Months | |||||
| 8.49% | 9.49% | 11.49% | 13.49% | 15.49% | 17.49% |
| Recreational UCC Lien | |||||
| * ( ATV’s/ Snowmobile’s/Dirt Bikes/ Motorcycle’s/ Lawn Tractors/Boat’s/ Camper’s/ Motorhomes. Etc.) | |||||
| A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639 | D (550-599) | E (Below 549) |
| 12 to 48 Months | |||||
| 7.99% | 8.99% | 10.99% | 12.99% | 14.99% | 16.99% |
| 60 Months | |||||
| 8.49% | 9.49% | 11.49% | 13.49% | 15.49% | 17.49% |
| 72 Months | |||||
| 8.49% | 9.49% | 11.49% | 13.49% | 15.49% | 17.49% |
| 84 Months | |||||
| 8.49% | 9.49% | 11.49% | 13.49% | 15.49% | 17.49% |
| 120 Months | |||||
| 8.49% | 9.49% | 11.49% | 13.49% | 15.49% | 17.49% |
| 180 Months | |||||
| 8.99% | 9.99% | 11.99% | 13.99% | 15.99% | 17.99% |
| Signature | |||||
| A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
| 12 Months | |||||
| 7.99% | 9.99% | 11.99% | 13.99% | 15.99% | 17.99% |
| 24 Months | |||||
| 8.99% | 10.99% | 12.99% | 14.99% | 16.99% | 17.99% |
| 36 Months | |||||
| 9.99% | 11.99% | 13.99% | 15.99% | 17.99% | 17.99% |
| 48 Months | |||||
| 10.99% | 12.99% | 14.99% | 16.99% | 17.99% | 17.99% |
| 60 Months | |||||
| 11.99% | 13.99% | 15.99% | 17.99% | 17.99% | N/A |
| 72 Months | |||||
| 12.99% | 14.99% | 16.99% | N/A | N/A | N/A |
| * A Max Amount $25,000; A Max Amount $20,000; B Max Amount $20,000; C Max Amount $15,000; D Max Amount $10,000; E Max Amount $5,000 | |||||
| Emergency and Pay Day Loans | |||||
| Emergency Loans (Max 36 months) | Up to $4,000.00 | Above Rate for term and tier PLUS 1.00% | |||
| Pay Day Loans (Max 6 months) | Up to $1,000.00 | 24.00% | |||
| Share Secured Loans | |||||
| 60 months | 4.99% | ||||
| 72 months = Current Share Secured Rate PLUS 1.00% | |||||
| NOTE: RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE | |||||
