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TLC Community Home > Latest
Rates > Loan Rates
Savings Rates | Certificate Rates | Loan Rates
All Rates listed on this page are current as of 12/18/08 and are subject to change.
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Loan Rates
Automobile Loans
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Click here to apply for a automobile loan
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Credit Scoring
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NEW AUTO
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TERM
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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New 07-2008
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48 - 60 Months
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6.25% APR*
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6.75% APR*
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7.25% APR*
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9.25% APR*
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11.25% APR*
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13.25% APR*
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New 07-2008
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66 Months**
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6.50% APR*
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7.00% APR*
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7.50% APR*
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9.50% APR*
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11.50% APR*
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13.50% APR*
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New 07-2008
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72 Months**
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6.75% APR*
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7.25% APR*
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Used Auto
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TERM
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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2006 - 2008
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up to 60months
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6.25% APR*
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6.75% APR*
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7.25% APR*
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9.25% APR*
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11.25% APR*
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13.25% APR*
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2006 - 2008
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up to 66 months
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6.50% APR*
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7.00% APR*
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7.50% APR*
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9.50% APR*
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11.50% APR*
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13.50% APR*
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2004 - 2005
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up to 60 months
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6.50% APR*
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7.00% APR*
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7.50% APR*
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9.50% APR*
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11.50% APR*
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13.50% APR*
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2003
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up to 54 months
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7.00% APR*
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7.50% APR*
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8.00% APR*
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10.00% APR*
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12.00% APR*
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14.00% APR*
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2002
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up to 48 months
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8.00% APR*
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8.50% APR*
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9.00% APR*
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11.00% APR*
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13.00% APR*
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15.00% APR*
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2001
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up to 36 months
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8.50% APR*
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9.00% APR*
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9.50% APR*
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11.50% APR*
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13.50% APR*
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15.50% APR*
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2000
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up to 30 months
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9.50% APR*
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10.00% APR*
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10.50% APR*
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12.50% APR*
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14.50% APR*
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16.50% APR*
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*APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program. Check with the Loan Department for current loan rates.
**Offered on balances of $20,000.00 or more.
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| Motor Homes |
TERM
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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New less than $10,000
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84 Months
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9.50% APR*
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10.00% APR*
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10.50% APR*
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12.50% APR*
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14.50% APR*
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16.50% APR*
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| Used less than $10,000 |
84 Months
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9.50% APR*
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10.50% APR*
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12.50% APR*
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| New greater than $10,000 |
120 Months
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9.50% APR*
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10.50% APR*
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12.50% APR*
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| Used greater than $10,000 |
120 Months
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9.50% APR*
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10.50% APR*
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12.50% APR*
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| MOTORCYCLES/ROADBIKES |
0.75% APR
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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New
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60 Months
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7.50% APR*
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8.00% APR*
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8.50% APR*
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10.50% APR*
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12.50% APR*
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14.50% APR*
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Used 05-07
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up to 60 Months
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8.50% APR*
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9.00% APR*
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9.50% APR*
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11.50% APR*
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13.50% APR*
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15.50% APR*
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Used 04 & Older
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up to 48 Months
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9.50% APR*
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10.00% APR*
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10.50% APR*
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12.50% APR*
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14.50% APR*
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16.50% APR*
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| 4 Wheelers, Snowmobiles,Waverunners, Dirt Bikes |
700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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NEW
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up to 48 Months
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9.25% APR*
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9.75% APR*
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10.25% APR*
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12.25% APR*
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14.25% APR*
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16.25% APR*
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USED
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up to 36 Months
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10.25% APR*
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10.75% APR*
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11.25% APR*
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13.25% APR*
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15.25% APR*
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17.25% APR*
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| Boats |
TERM
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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New less than $10,000
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60 Months
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9.50% APR*
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10.00% APR*
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10.50% APR*
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12.50% APR*
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14.50% APR*
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16.50% APR*
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| Used less than $10,000 |
60 Months
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10.00% APR*
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10.50% APR*
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12.50% APR*
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| New greater than $10,000 |
120 Months
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10.00% APR*
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10.50% APR*
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12.50% APR*
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| Used greater than $10,000 |
120 Months
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10.00% APR*
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10.50% APR*
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12.50% APR*
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| Lawn/Garden Equipment |
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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NEW
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60 Months
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7.50% APR*
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8.00% APR*
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8.50% APR*
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10.50% APR*
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12.50% APR*
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14.50% APR*
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USED
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48 Months
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8.50% APR*
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9.00% APR*
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9.50% APR*
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11.50% APR*
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13.50% APR*
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15.50% APR*
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| Travel Trailers |
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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NEW
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84 Months
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9.50% APR*
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10.00% APR*
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10.50% APR*
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12.50% APR*
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14.50% APR*
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16.50% APR*
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USED
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60 Months
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14.50% APR*
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| Mobile Homes |
TERM
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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NEW
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84 Months
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11.50% APR*
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12.00% APR*
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12.50% APR*
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14.50% APR*
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16.50% APR*
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18.50% APR*
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USED
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72 Months
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12.50% APR*
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13.00% APR*
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13.50% APR*
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15.50% APR*
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17.50% APR*
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19.50% APR*
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| Certificate Pledge |
3.00% APR*
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Above the certificate rate with the term not to exceed the maturity date |
| Share Pledge |
3.00% APR*
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Over the share rate, term not to exceed five years. |
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TERM
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700+
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699 - 660
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659 - 630
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629 - 600
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599 - 575
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574 and lower
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| Personal Installment |
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| BOOM!!! Loans |
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5.50% APR*
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5.50% APR*
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5.50% APR*
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5.50% APR*
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5.50* APR
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5.50% APR *
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TLC RELATIONSHIP DISCOUNT
.25% for loans with automatic payment from TLC checking. |
*APR = Annual Percentage Rate. Rates listed above are estimates. Check with the Loan Department for current rates.
**Offered on balances of $20,000 or more. |
VISA FIXED RATE CREDIT DISCLOSURES
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Annual Percentage Rate for Purchases
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PLATINUM
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GOLD
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CLASSIC
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9.95%
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13.90%
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15.96%
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Other APRs
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GOLD
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CLASSIC
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Balance Transfers APR:
9.95%*
Cash Advances APR:
9.95%
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Balance Transfers APR:
13.90%*
Cash Advances APR:
13.90%
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Balance Transfers APR:
15.96%
Cash Advances APR:
9.95%
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MINIMUM FINANCE CHARGE
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- 0 -
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- 0 -
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- 0 -
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ANNUAL MEMBERSHIP FEE
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- 0 -
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- 0 -
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- 0 -
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GRACE PERIOD FOR REPAYMENT OF THE
BALANCE FOR PURCHASES
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25 Days
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25 Days
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25 Days
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LATE PAYMENT FEE
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$25.00
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$25.00
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$25.00
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OVER THE LIMIT FEE
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$25.00
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$25.00
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$25.00
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METHOD OF COMPUTING
THE BALANCE FOR PURCHASES
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Average Daily Balance including new purchases
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The terms of your Account, including any APR (or how an APR is calculated) are subject to change by us at any time. Any changes will be made in accordance with the Credit Card Agreement.
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VARIABLE RATE CREDIT CARD DISCLOSURE
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ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES
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PLATINUM (VARIABLE )
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GOLD (VARIABLE)
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5.25%
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7.25%
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OTHER APRs
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PLATINUM
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GOLD
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Balance Transfers from a Platinum Fixed Rate Account APR:
9.95%
Other Balance Transfers APR:
Prime Rate +2%**
Cash Advance APR:
Prime Rate +2%**
Penalty APR:
9.95%
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Balance Transfers from a Gold Fixed Rate Account APR:
13.9%
Other Balance Transfers APR:
Prime Rate +4%**
Cash Advance APR:
Prime Rate +4%**
Penalty APR:
13.9%
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MINIMUM FINANCE CHARGE
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ANNUAL MEMBERSHIP FEE
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PLATINUM
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GOLD
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PLATINUM
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GOLD
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- 0 -
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- 0 -
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- 0 -
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- 0 -
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GRACE PERIOD FOR REPAYMENT OF THE
BALANCE FOR PURCHASES
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PLATINUM
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GOLD
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PLATINUM
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GOLD
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25 Days
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25 Days
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LATE PAYMENT FEE
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OVER THE LIMIT FEE
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PLATINUM
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GOLD
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PLATINUM
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GOLD
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$25.00
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$25.00
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$25.00
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$25.00
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METHOD OF COMPUTING
THE BALANCE FOR PURCHASES
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Average Daily Balance including new purchases
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The terms of your Account, inlcuding any APR (or how an APR is calculated) are subject to change by us at any time. Any changes will be made in accordance with the Credit Card Agreement.
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*Rates subject to change. Check with the loan department for more details.
REAL ESTATE
Contact TLC for current rates.
Home Equity
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HOME IMPROVEMENT AND HOME EQUITY LOANS
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| Home Improvement |
700-higher
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660-699
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630-659
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600-629
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575-599
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574-lower
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| Secured |
60 MONTHS |
7.00% APR
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7.50% APR
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8.00% APR
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10.00% APR
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12.00% APR
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14.00% APR
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| $100,000 Maximum |
61-120 MONTHS |
7.75% APR
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8.25% APR
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8.75% APR
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10.75% APR
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12.75% APR
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14.75% APR
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| Unsecured |
60 MONTHS
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9.00% APR
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9.50% APR
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10.00% APR
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12.00% APR
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14.00% APR
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16.00% APR
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| $10,000 Maximum |
61-120 MONTHS |
10.50% APR
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11.00% APR
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11.50% APR
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13.50% APR
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15.50% APR
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17.50% APR
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Maximum LTV 80% of APPRAISED VALUE |
| HOME EQUITY LOC |
725-higher
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700-724
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660-699
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630-659
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600-629
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577-599
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574-lower
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| PRIME RATE AS OF DECEMBER 16, 2008 IS 3.25% and subject to change |
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PRIME RATE
3.25%
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| HELOC - MTHLY VAR |
2.75% APR
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3.25% APR
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4.25% APR
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5.25% APR
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6.25% APR
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8.25% APR
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10.25% APR
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| HELOC-FIXED FOR 5 YRS REVERT TO VARIABLE |
7.50% APR
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8.50% APR
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9.50% APR
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10.50% APR
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11.50% APR
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13.50% APR
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15.50% APR
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Maximum LTV 80% of APPRAISED VALUE
PAYMENT AMOUNT IS 1.50% OF THE OUTSTANDING BALANCE WITH A MINIMUM PAYMENT IS $100.00
OR SELECT THE INTEREST ONLY PROGRAM
ANNUAL FEE: FIRST YEAR, $50/YEAR AFTER FIRST
REPAYMENT PENALTY OF $250.00 MAY APPLY
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| 2ND MORTGAGE |
700-higher
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660-699
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630-659
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600-629
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575-599
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574-lower
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| UP TO 120 MONTHS |
7.75% APR
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8.25% APR
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8.75% APR
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10.75% APR
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12.75% APR
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14.75% APR
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| TERM |
10 YEAR REPAYMENT |
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80% OF APPRAISED VALUE LESS THE OUTSTANDING FIRST MORTGAGE BALANCE
MAXIMUM LOAN AMOUNT
NO CLOSING COST
REPAYMENT PENALTY OF $250.00 MAY APPLY |
Click here for information on this service
Click here to apply for a home equity product
Construction Loans
Contact the mortgage department for current rates
Click here for information on this service
First-Time Home Buyers Program
Contact the mortgage department for current rates
Click here for information on this service
Calculate Your Loan Payment Now!!!
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