All posted loan rates (excluding credit cards and 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 4/24/2023. Other rates and terms available. Rates shown are for qualified borrowers and are subject to change without notice.
| Description | Term | APR* |
| New Auto (2023 / untitled 2022) | Up to 72 months | as low as 5.99% |
| New Auto (2023 / untitled 2022) | Up to 60 months | as low as 5.49% |
| Used Auto (2022 to 2020) | Up to 60 months | as low as 5.99% |
| Used Auto (2019 to 2017) | Up to 60 months | as low as 5.99% |
| Used Auto (2016 to 2012) | Up to 48 months | as low as 6.79% |
Motorcycle Loan Rates and Terms available.
| Description | Term | APR* |
| New Side x Side (2022 – 2019) | Up to 60 months | as low as 6.74% |
| Used Side x Side (2018 & older) | Up to 48 months | as low as 6.99% |
| New Camper / Boat / Other | Up to 60 months | as low as 11.49% |
| Used Camper / Boat / Other | Up to 48 months | as low as 11.99% |
| Description | Term | APR* |
| 5 Year Home Equity Loan | 60 months | as low as 4.99% |
| 10 Year Home Equity Loan | 120 months | as low as 5.24% |
| 15 Year Home Equity Loan | 180 months | as low as 5.99% |
Offers require 80% maximum loan to value ratio. A sample Fixed Home Equity Loan payment based on $25,000 at 4.99% APR* for a five year (60month) repayment is $472.00. A sample Fixed Home Equity Loan payment based on $25,000 at 5.24% APR* for a ten year (120month) repayment is $269.00. A sample Fixed Home Equity Loan payment based on $25,000 at 4.99% APR* for a fifteen year (180 month) repayment is $211.00. Top Tier Federal Credit Union is an Equal Housing Lender.
| Description | Term | APR* |
| Share Secured | – | 5.00% (Auto deduction rate discount does not apply) |
| Personal | Up to 60 months | as low as 10.99% |
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Automatic deduction rate discount does not apply to Credit Cards
| Description | Minimum Payment | APR* |
| Gold Mastercard | $ 25.00 | 11.99 % |
| Classic Mastercard | $ 35.00 | 15.99 % |
*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.
Minimum Payment: Your minimum payment will never be less than $25.00 (monthly).
Top Tier Federal Credit Union 2023