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Lending Rates

Rates shown are base rates and available to qualified buyers with credit scores of 730 and above and may change at any time. Payments do not include taxes and insurance. If applicable, actual payment obligation will be greater. Other terms and rates available. All loans subject to credit approval. 

Rates are effective 1/2/2024 and subject to change without notice. 

Models Term Annual Percentage Rate Payment Per Thousand
2020-2024 Up to 63 Months 6.99% $19.02
64-75 Months 7.24% $16.63
76-84 Months 8.24% $15.72
2016-2019 Up to 63 Months 8.24% $19.62
64-75 Months 8.99% $17.49

 

 

 

 

 

 

Apply for a Loan

Monthly payment amount is based on loan amounts of $1,000. Payment may change based on term. 

Models Term Annual Percentage Rate Payment Per Thousand
2020-2024 Up to 63 Months 7.39% $19.21
64-75 Months 7.64% $16.82
76-84 Months 8.64% $15.92
2016-2019 Up to 63 Months 8.64% $19.81
64-75 Months 9.39% $17.69

 

Apply for a Loan

Monthly payment amount is based on loan amounts of $1,000. Payment may change based on term. 

 

Models Term Annual Percentage Rate Payment Per Thousand
2020-2024 72 Months 7.99% $17.54
120 Months 10.99% $13.78
2016-2019 72 Months 9.74% $18.41

 

 

 

 

Apply for a Loan

Monthly payment amount is based on loan amounts of $1,000. Payment may change based on term. 

Product Term Annual Percentage Rate Payment Per Thousand
Personal 1-12 Months 7.990% $86.98
13-24 Months 8.490% $45.45
25-48 Months 9.490% $25.12
49-60 Months 10.490% $21.49
Share Secured up to 60 months Share Rate + 3.000% $18.00

 

 

 

 

 

 

Apply for a Loan

Monthly payment amount is based on loan amounts of $1,000. Payment may change based on term. 

Product
($15,000 Minimum)
Description Nominal Rate Annual Percentage Rate Payment Per Thousand
Variable Line Of Credit 10 year draw
10 year repayment
Prime for Life of Loan 8.50% $6.98
Fixed Rate Equity
Line Of Credit
7.49% 7.490% $6.15
Fixed Rate Equity Loans 5 years as low as 6.49% 6.490% $19.57
10 years 6.99% 6.991% $11.61
15 years 7.49% 7.496% $9.27

 

 

 

 

 

 

 

 

Monthly payment amount is based on loan amounts of $100,000. Payment may change based on term. 

Product Description Nominal Rate Annual Percentage Rate Payment Per Thousand
(1 / 1) > $15,000 up to 15 years Initial Rate 6.490% 1 Year US Treasury + 2.750% 9.066% $8.71
(5 / 1) > $15,000 up to 15 years Initial Rate 6.990% 9.155% $8.98

 

 

 

 

 

Monthly payment amount is based on loan amounts of $100,000. Payment may change based on term. Adjustable Rate Home Equity Loan Products are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period.  Variable rate is set monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. 

Product

Amount Financed

Annual Percentage Rate

Payment Per Thousand

Terms

10% Down
90% LTV

$50,000 and above

7.950%

$7.70

15 Year Refi
25 Year for purchase

$40,000 to $49,999

8.200%

$7.87

$20,000 to $39,999

8.450%

$8.04

15% Down
85% LTV

$50,000 and above

7.825%

$7.60

15 Year Refi
25 Year for purchase

$40,000 to $49,999

8.075%

$7.77

$20,000 to $39,999

8.325%

$7.94

20% Down
80% LTV

$50,000 and above

7.735%

$7.55

15 Year Refi
25 Year for purchase

$40,000 to $49,999

7.985%

$7.71

$20,000 to $39,999

8.235%

$7.88

30% Down
70% LTV

$50,000 and above

6.950%

$7.04

15 Year Refi
25 Year for purchase

$40,000 to $49,999

7.200%

$7.20

$20,000 to $39,999

7.450%

$7.30

50% Down
50% LTV

$50,000 and above

6.700%

$6.88

15 Year Refi
25 Year for purchase

$40,000 to $49,999

6.950%

$7.04

$20,000 to $39,999

7.200%

$7.20

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Manufactured Home Products are available through Priority Funding. Click here to apply Now

Monthly payment amount is based on loan amounts of $1,000. Payment may change based on term. 

For more information about our Home Loan products including rates, please visit the TFCU Mortgage Center
 or call (508) 824-6466  to speak with a Mortgage Originator.

Need more information on our products or services?

Give us a call (508) 824-6466