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 3/27/2024. Other rates and terms available. Rates shown are for qualified borrowers and are subject to change without notice.
| Description | Term | APR* |
| New Auto (2024 / untitled 2023) | Up to 72 months | as low as 5.99% |
| New Auto (2024 / untitled 2023) | Up to 60 months | as low as 5.99% |
| Used Auto (2023 to 2021) | Up to 72 months | as low as 5.99% |
| Used Auto (2020 to 2018) | Up to 60 months | as low as 5.99% |
| Used Auto (2017 to 2013) | Up to 48 months | as low as 7.79% |
Motorcycle Loan Rates and Terms available. Must be street licensed.
| Description | Term | APR* |
| New Side x Side (2024 – 2021) | Up to 60 months | as low as 7.24% |
| Used Side x Side (2020 & 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% |
Rates and Terms below effective after the initial 6 month period
| Description | Term – After 6 Month Introductory Period | APR* |
| 5 Year Home Equity Loan | 54 months | as low as 5.99% |
| 10 Year Home Equity Loan | 114 months | as low as 6.74% |
| 15 Year Home Equity Loan | 174 months | as low as 6.99% |
*Offers require 80% maximum loan to value ratio. Following the introductory period, the APR will change to the approved rate. Rates include a .25% discount for auto drafting your account at the Credit Union. Maximum 80% LTV. 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, including the introductory 6 month rate of 2.99% APR, for a 5 year repayment is $477.00. A sample Fixed Home Equity Loan payment based on $25,000 at 6.74% APR,* including the introductory 6 month rate of 2.99% APR, for a ten year (120month) repayment is $282.00. A sample Fixed Home Equity Loan payment based on $25,000 at 6.99% APR*, including the introductory 6 month rate of 2.99% APR, for a fifteen year (180 month) repayment is $221.00.
| 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 2024