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Loan Rates

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 8/19/2024. Other rates and terms available. Rates shown are for qualified borrowers and are subject to change without notice.

Vehicle Loan Rates

DescriptionTermAPR*
New Auto (2025 / untitled 2024)Up to 72 monthsas low as 5.99%
New Auto (2025 / untitled 2024)Up to 60 monthsas low as 5.99%
Used Auto (2024 to 2022)Up to 72 monthsas low as 5.99%
Used Auto (2021 to 2019)Up to 60 monthsas low as 5.99%
Used Auto (2018 to 2014)Up to 48 monthsas low as 7.79%

Motorcycle Loan Rates and Terms available. Must be street licensed.

Recreational Vehicle Loan Rates

DescriptionTermAPR*
New Side x Side (2025 – 2022)Up to 60 monthsas low as 7.24%
Used Side x Side (2021 & older)Up to 48 monthsas low as 7.49%
New Camper / Boat / OtherUp to 60 monthsas low as 11.74%
Used Camper / Boat / OtherUp to 48 monthsas low as 12.24%

Home Equity Loan Rates

DescriptionTerm APR*
5 Year Home Equity Loan60 monthsas low as 5.99%
10 Year Home Equity Loan120 monthsas low as 6.74%
15 Year Home Equity Loan180 monthsas low as 6.99%

*Offers require 80% maximum loan to value ratio. Rates include a .25% discount for auto drafting your account at the Credit Union. Rates are based on an evaluation of credit history. Other rates and terms available. A sample payment based on $25,000 at 5.99% APR for a 5 year (60 month) repayment is $484.00. A sample Fixed Home Equity Loan payment based on $25,000 at 6.74% APR for a ten year (120 month) repayment is $287.00. A sample Fixed Home Equity Loan payment based on $25,000 at 6.99% APR for a fifteen year (180 month) repayment is $225.00.

Other Loan Rates

DescriptionTermAPR*
Share Secured7.00% (Auto deduction rate discount does not apply)
PersonalUp to 60 monthsas 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 2024