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Loan Rates

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.

Vehicle Loan Rates

DescriptionTermAPR*
New Auto (2023 / untitled 2022)Up to 72 monthsas low as 5.99%
New Auto (2023 / untitled 2022)Up to 60 monthsas low as 5.49%
Used Auto (2022 to 2020)Up to 60 monthsas low as 5.99%
Used Auto (2019 to 2017)Up to 60 monthsas low as 5.99%
Used Auto (2016 to 2012)Up to 48 monthsas low as 6.79%

Motorcycle Loan Rates and Terms available.

Recreational Vehicle Loan Rates

DescriptionTermAPR*
New Side x Side (2022 – 2019)Up to 60 monthsas low as 6.74%
Used Side x Side (2018 & older)Up to 48 monthsas low as 6.99%
New Camper / Boat / OtherUp to 60 monthsas low as 11.49%
Used Camper / Boat / OtherUp to 48 monthsas low as 11.99%

Home Equity Loan Rates

DescriptionTermAPR*
5 Year Home Equity Loan60 monthsas low as 4.99%
10 Year Home Equity Loan120 monthsas low as 5.24%
15 Year Home Equity Loan180 monthsas 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.

Other Loan Rates

DescriptionTermAPR*
Share Secured5.00% (Auto deduction rate discount does not apply)
PersonalUp to 60 monthsas low as 10.99%

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Credit Cards

Automatic deduction rate discount does not apply to Credit Cards

DescriptionMinimum Payment APR*
Gold Mastercard$ 25.0011.99 %
Classic Mastercard$ 35.0015.99 %

*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