All posted loan rates (excluding shared secured) include a 1/4 (.25%) discount for automatic deduction of the payment from a Top Tier Federal Credit Union deposit account. All rates are effective as of 6/01/2026 (excluding Mortgage Rates which may change daily). Other rates and terms available. Rates shown are for qualified borrowers and are subject to change without notice.
| Description | Term | APR* |
| New & Used Auto (2026-2023) | Up to 72 months | as low as 4.99% |
| New & Used Auto (2026-2023) | Up to 84 months | as low as 5.49% |
| Used Auto (2022 to 2020) | Up to 72 months | as low as 5.24% |
| Used Auto (2019 to 2015) | Up to 48 months | as low as 6.49% |
| Used Auto (2019 to 2015) | Up to 60 months | as low as 6.99% |
0.00% APR applies for first 3 months of the loan. Following introductory period, APR will change to the approved rate. Requires 0% down payment. This does not apply to current loans financed at Top Tier FCU. **Introductory Rate does not apply to Used Autos model year 2014 and older.
Motorcycle Loan Rates and Terms available. Must be street licensed. Intro rate does not apply.
| Description | Term | APR* |
| 5 Year Home Equity Loan | 60 months | as low as 5.99% |
| 10 Year Home Equity Loan | 120 months | as low as 5.99% |
| 15 Year Home Equity Loan | 180 months | as low as 6.49% |
0.00% APR applies for first 3 months of the loan. Following introductory period, APR will change to the approved rate. Maximum 80% LTV. This does not apply to current loans financed at Top Tier FCU.
| Description | Term | APR* |
| 30 Year Fixed Rate Mortgage | 360 months | as low as 6.125% ** |
**Rate and APR displayed are subject to change without notice. Rate shown based on loan amount $125,000.00 to $149,999.00 with no points and maximum Loan to Value of 95% for the purchase or refinance of a single family, first lien, owner-occupied property. Annual percentage rate (APR) does not include private mortgage insurance. Additional qualifications may apply. Rate and/or fees may be assessed on underwriting and collateral risk. Rate effective 6/18/2026.
| Description | Term | APR* |
| New Side x Side (2026 – 2023) | Up to 60 months | as low as 7.24% |
| Used Side x Side (2022 & older) | Up to 48 months | as low as 7.49% |
| New Camper / Boat / Other | Up to 60 months | as low as 11.74% |
| Used Camper / Boat / Other | Up to 48 months | as low as 12.24% |
| Description | Term | APR* |
| Share Secured | – | 7.00% (Auto deduction rate discount does not apply) |
| Personal | Up to 60 months | as low as 11.24% |
*APR = ANNUAL PERCENTAGE RATE you receive for the above sub accounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Ask the Credit Union for your qualifying rate.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees.
Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.
Top Tier Federal Credit Union 2026