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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 10/06/2023. Other rates and terms available. Rates shown are for qualified borrowers and are subject to change without notice.

Vehicle Loan Rates

DescriptionTermAPR*
New Auto (2024 / untitled 2023)Up to 72 monthsas low as 6.99%
New Auto (2024 / untitled 2023)Up to 60 monthsas low as 6.49%
Used Auto (2023 to 2021)Up to 60 monthsas low as 6.99%
Used Auto (2020 to 2018)Up to 60 monthsas low as 6.99%
Used Auto (2017 to 2013)Up to 48 monthsas low as 7.79%

Motorcycle Loan Rates and Terms available.

Recreational Vehicle Loan Rates

DescriptionTermAPR*
New Side x Side (2024 – 2021)Up to 60 monthsas low as 7.24%
Used Side x Side (2020 & 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

DescriptionTermAPR*
5 Year Home Equity Loan60 monthsas low as 5.74%
10 Year Home Equity Loan120 monthsas low as 6.24%
15 Year Home Equity Loan180 monthsas low as 6.99%

Offers require 80% maximum loan to value ratio. A sample Fixed Home Equity Loan payment based on $25,000 at 5.74% APR* for a five year (60month) repayment is $481.00. A sample Fixed Home Equity Loan payment based on $25,000 at 6.24% APR* for a ten year (120month) repayment is $281.00. 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. Top Tier Federal Credit Union is an Equal Housing Lender.

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