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
Effective as of: 02/11/2022
Loan Rates | |||||
New Automobile Loans (models 2019-2022) | |||||
A Plus (730 Plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
Up to 36 Months | |||||
2.75% | 3.75% | 4.75% | 6.25% | 8.75% | 12.75% |
37-60 Months | |||||
3.25% | 4.25% | 5.25% | 6.75% | 9.25% | 13.25% |
72 Months | |||||
4.00% | 5.00% | 6.00% | 7.50% | 10.00% | 14.00% |
84 Months | |||||
5.50% | 6.50% | 7.50% | 9.00% | 11.50% | 15.50% |
Used Automobile Loans (models 2014-2018) | |||||
A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
Up to 36 Months | |||||
3.00% | 4.00% | 5.00% | 6.50% | 9.00% | 13.00% |
37-60 Months | |||||
3.50% | 4.50% | 5.50% | 7.00% | 9.50% | 13.50% |
72 Months | |||||
4.25% | 5.25% | 6.25% | 7.75% | 10.25% | 14.25% |
84 Months | |||||
6.00% | 7.00% | 8.00% | 9.50% | ||
Used Automobile Loans (models 2012-2013) | |||||
A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
Up to 36 Months | |||||
5.75% | 6.75% | 7.75% | 9.25% | 11.75% | 15.75% |
37-60 Months | |||||
6.25% | 7.25% | 8.25% | 9.75% | 12.25% | 16.25% |
72 Months | |||||
7.00% | 8.00% | 9.00% | 10.50% | 13.00% | 17.00% |
84 Months | |||||
7.75% | 8.75% | 9.75% | 11.25% | ||
Used Automobile Loans 2011 - 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) |
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% |
Equity Adjustments (LTV 76.00 - 100%) | |||||
Rate Shown | |||||
N/A | N/A | N/A | N/A | N/A | N/A |
Recreational Loans* | |||||
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 | |||||
4.24% | 4.49% | 5.40% | 7.49% | 9.99% | 15.24% |
60 Months | |||||
4.39% | 4.74% | 5.50% | 7.74% | 10.24% | 15.49% |
72 Months | |||||
4.49% | 4.99% | 6.14% | 8.24% | 10.49% | 15.74% |
84 Months | |||||
4.74% | 5.24% | 6.39% | 8.74% | 11.74% | 16.49% |
120 Months | |||||
4.99% | 5.49% | 6.74% | 9.24% | 12.24% | 17.24% |
180 Months | |||||
5.24% | 5.74% | 8.14% | 10.74% | 15.49% | 17.99% |
* ( ATV’s/ Snowmobile’s/Dirt Bikes/ Motorcycle’s/ Lawn Tractors/Boat’s/ Camper’s/ Motorhomes. Etc.) | |||||
Recreational UCC Lien | |||||
A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639 | D (550-599) | E (Below 549) |
12 to 48 Months | |||||
4.74% | 4.99% | 5.90% | 7.99% | 10.49% | 15.74% |
60 Months | |||||
4.89% | 5.24% | 6.00% | 8.24% | 10.74% | 15.99% |
72 Months | |||||
4.99% | 5.49% | 6.64% | 8.74% | 10.99% | 16.24% |
84 Months | |||||
5.24% | 5.74% | 6.89% | 9.24% | 12.24% | 16.99% |
* ( ATV’s/ Snowmobile’s/Dirt Bikes/ Motorcycle’s/ Lawn Tractors/Boat’s/ Camper’s/ Motorhomes. Etc.) | |||||
Signature | |||||
A Plus (730 plus) | A (680-729) | B (640-679) | C (600-639) | D (550-599) | E (Below 549) |
12 Months | |||||
6.99% | 7.99% | 9.74% | 13.49% | 16.49% | 17.24% |
24 Months | |||||
7.24% | 8.74% | 9.99% | 13.74% | 16.74% | 17.49% |
36 Months | |||||
7.99% | 8.99% | 10.24% | 13.99% | 16.99% | 17.74% |
48 Months | |||||
8.24% | 9.24% | 10.49% | 14.49% | 17.24% | 17.99% |
60 Months | |||||
8.49% | 9.49% | 10.74% | 14.74% | 17.49% | N/A |
72 Months | |||||
8.74% | 9.74% | 10.99% | 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, Pay Day, Credit Builder | |||||
Emergency Loans (Max 24 months) | Up to $2,500.00 | 1.00% | |||
Pay Day Loans (Max 6 months) | Up to $1,000.00 | 24.00% | |||
Credit Builder Unsecured (Max 36 months) | Up to $5,000.00 | 3.00% | |||
Share Secured Loans | |||||
Max term 72 months | 4.99% | ||||
Flex Loans* | |||||
*Loans that exceed the NADA value of the secured asset are classified as FLEX Loans. FLEX Loans have an additional margin added to the loan as follows: | |||||
Loan exceeds NADA Value by $0-999: 0.50% | |||||
Loan exceeds NADA Value by $1000-2999: 1.25% | |||||
Loan exceeds NADA Value by $3000-10000: 2.00% | |||||