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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 07/01/10 and are subject to change.
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Loan Rates
Automobile Loans
Click here for information on this service
Click here to apply for a automobile loan
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Credit Scoring
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NEW AUTO - Loan Rate Special
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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 09-2010
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12 - 60 Months
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3.90% APR*
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4.40% APR*
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4.90% APR*
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6.90% APR*
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8.90% APR*
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10.90% APR*
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New 09-2010
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66 Months
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4.50% APR*
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5.00% APR*
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5.50% 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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New 09-2010
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72 Months
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4.75% APR*
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5.25% APR*
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Used Auto - Loan Rate Special
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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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2008 - 2010
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up to 60months
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3.90% APR*
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4.40% APR*
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4.90% APR*
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6.90% APR*
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8.90% APR*
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10.90% APR*
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2008 - 2010
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up to 66 months
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4.50% APR*
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5.00% APR*
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5.50% 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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2006 - 2007
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up to 60 months
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3.90% APR*
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4.40% APR*
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4.90% APR*
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6.90% APR*
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8.90% APR*
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10.90% APR*
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2005
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up to 54 months
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3.90% APR*
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4.40% APR*
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4.90% APR*
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6.90% APR*
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8.90% APR*
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10.90% APR*
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2004
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up to 48 months
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3.90% APR*
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4.40% APR*
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4.90% APR*
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6.90% APR*
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8.90% APR*
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10.90% APR*
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2003
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up to 36 months
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3.90% APR*
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4.40% APR*
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4.90% APR*
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6.90% APR*
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8.90% APR*
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10.90% APR*
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2002
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up to 30 months
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3.90% APR*
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4.40% APR*
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4.90% APR*
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6.90% APR*
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8.90% APR*
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10.90% 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. Certain restrictions apply. New Money Only.
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Credit Scoring
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Used Auto - Refinance
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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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2008 - 2010
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up to 60months
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5.75% APR*
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6.25% APR*
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6.75% APR*
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8.75% APR*
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12.75% APR*
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2008 - 2010
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up to 66 months
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6.00% APR*
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6.50% APR*
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7.00% 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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2006 - 2007
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up to 60 months
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6.00% APR*
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6.50% APR*
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7.00% 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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2005
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up to 54 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
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up to 48 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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2003
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up to 36 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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2002
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up to 30 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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*APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program. Check with the Loan Department for current loan rates.
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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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up to 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 08-2010
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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 07 & 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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Per loan officer
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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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Per loan officer
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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. |
PLATINUM
CREDIT DISCLOSURE |
| INTEREST RATES AND INTEREST CHARGES |
| Annual Percentage Rates (APR) for Purchases |
7.95% to 18.00%
When you open your credit card, based on your credit worthiness
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| APR for Balance Transfers & Cash Advances |
7.95% to 18.00% |
| Penalty APR |
None |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each motnh. We will begin charging interest on cash advances and balance transfers ont he transaction date. |
| Minimum Finance Charge |
None |
| Annual Fee |
None |
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Transaction Fees
- Balance Transfer
- Cash Advance
- Foreign Transaction
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None
None
1% of each transaction in U.S. Dollars
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Penalty Fees
- Late Payment
- Over-the-Credit Limit
- Returned Payment
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$30
$30
$25
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Method of Computing the Balance for Purchases
Average Daily Balance including new purhcases |
The terms of your Account are sujbect to change by us at any time following a 45-day notification period. Any changes will be made in accordance with the Credit Card Agreement
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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-New Money |
60 MONTHS |
5.00% APR
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5.50% APR
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6.00% 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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| $100,000 Maximum |
61-120 MONTHS |
5.75% APR
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6.25% APR
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6.75% 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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| Secured-Refinance |
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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61-120 MONTHS
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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 |
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5.00% 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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13.25% 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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