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Terms & Conditions:

Home Equilty Line of Credit Special: *APR is Annual Percentage Rate. Introductory APR of 5.99% will be in effect for the first 12 months of your loan. **Variable rate is set monthly & subject to change beginning with the 13th billing cycle based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. The Prime Rate as of 11/8/2024 is 7.75%. Maximum APR is 18%. Product features a 10 year draw period & a 10 year repayment period. During the draw period, you are only required to make monthly interest payments. During the repayment period, any outstanding balance must be paid in equal monthly payments over a period of 120 months. The amount of payment may change in the event that the Prime Rate varies. Only available to qualified buyers with credit scores of 730 & above. All loans subject to credit approval. Products are available to homeowners that own 1-4 family, owner-occupied homes or condominiums with a maximum loan to value up to 80%. Minimum loan amount of $15,000 not previously financed at TFCU & disbursed at closing. Excludes manufactured homes. A reimbursement of settlement fees may apply to all prepaid Home Equity Loans within 3 years of origination. Interest may be tax deductible. Consult your tax professional regarding deductibility. Limited time only. 

Holiday Loan Special: ^##APR is Annual Percentage Rate. Rate effective as of 10/1/24. APR advertised is the lowest rate available. Actual APR will be based on your credit score. Product is an Unsecured Personal Loan with a monthly payment of $84.24 per $1,000 financed. Maximum loan amount of $1,000 not previously financed at TFCU. Only available to qualified members with credit scores of 680 & above. Regular rates and underwriting criteria apply to credit requests over $1,000. Other terms & rates available. All loans subject to credit approval. Limited Time Only.

TFCU reserves the right to discontinue the program at any time without notice as well as to disqualify members from these promotions at its sole discretion. TFCU employees, volunteers, or Board members and their immediate families are not eligible for this promotion. TFCU Membership is established by opening a $5 share/savings account and is available to anyone who lives, works, worships or attends school in Bristol County, Plymouth County & Barnstable County in Massachusetts; Bristol, Kent, Newport and Providence counties in Rhode Island; and the Rhode Island towns of Charlestown, Exeter, Hopkinton, Narragansett, New Shoreham, North Kingstown, Richmond and South Kingstown. TFCU is federally insured by NCUA. EOE. TFCU NMLS #441401