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Rates

Rates that are great!

Shop for a great deposit or loan rate. Your friends will be impressed with how competitively priced we are and you’ll be viewed as an expert when they learn about the great terms you received.
Popular rates are listed below. Contact a loan officer for additional loan options and rates.
*TLC's Platinum Membership Discount not eligible for 740+ Credit Scores

 

New Auto 

Type of Loan Terms up to: Rates as low as:
2023 - 2024 66 Months 6.59% APR
2023 - 2024 72 Months 6.69% APR
2023 - 2024 78 Months
7.04% APR

Used Auto

Type of Loan: Terms up to: Rates as low as:
2020 - 2023 66 Months 6.59% APR
2020 - 2023** 72 Months 6.69% APR
2020 - 2023** 78 Months 7.04% APR
2019**
72 Months
7.29% APR
2017 - 2018 60 Months 7.54% APR
2016
54 Months 7.79% APR
2015 48 Months 8.04% APR
2014 and older 36 Months 8.29% APR
APPLY NOW
 
AUTO, RECREATIONAL, & MISCELLANEOUS DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program.   Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Listed rates/APRs are as of 04-19-2024 and subject to change.
*PFI Discount does not apply.
**Less than 55,000 miles or less.
^ = Representative example - $20,000 financed for 66 months @ 6.59% APR equals an estimated payment of $362.13.
Popular rates are listed below. Contact a loan officer for additional loan options and rates.
TLC's Platinum Membership enjoys a 0.15% APR lower rate   Find out how you qualify
 

Motorcycles

Type of Loan Terms up to: Rates as low as:
New 72 Months 6.99% APR
Used
2019 - 2023
66 Months 7.49% APR
Used
2018 & Older
60 Months
8.24% APR

4-Wheelers, Snowmobiles, Personal Watercraft, Dirt Bikes, Utility Trailers

Type of Loan Terms up to: Rates as low as:
New 66 Months 7.24% APR
Used 54 Months 8.24% APR

Boats

Type of Loan: Terms up to: Rates as low as:
Up to $10,000 72 Months 6.99% APR
$10,001 - $20,000 96 Months 6.99% APR
$20,001 - $35,000 144 Months 6.99% APR
$35,001 & Higher 180 Months 6.99% APR

Motorhomes, Travel Trailers

Type of Loan: Terms up to: Rates as low as:
Up to $10,000 60 Months 6.99% APR
$10,001 - $20,000 72 Months 6.99% APR
$20,001 - $35,000 120 Months 6.99% APR
$35,001 & Higher 180 Months 6.99% APR
APPLY NOW
 
AUTO, RECREATIONAL, & MISCELLANEOUS DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program.  Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Listed rates/APRs are as of 04-19-2024 and subject to change.
 
*Less than 40,000 miles.
**PFI Discount does not apply.  
^ = Representative example - $20,000 financed for 72 months @ 6.99% APR equals an estimated payment of $340.94.
Popular rates are listed below. Contact a loan officer for additional loan options and rates.
TLC's Platinum Membership enjoys a 0.15% APR lower rate   Find out how you qualify
 

Lawn & Garden   Apply Now

Type of Loan: Terms up to: Rates as low as:
New 60 Months 7.74% APR
Used 60 Months 8.74% APR

Personal Installment**   APPLY NOW

Rates as low as 10.99% APR

 
AUTO, RECREATIONAL, & MISCELLANEOUS DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program.  Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Listed rates/APRs are as of 01-12-2024 and subject to change. *Less than 40,000 miles. **PFI Discount does not apply. 
^ = Representative example is $5,000 financed for 60 months @ 7.74% APR equals an estimated payment of $100.79.


Interest Rates Interest Charges
Annual Percentage Rates (APR) for Purchases 7.95% to 18.00% 
When you open your credit card, based on your credit worthiness
APR Balance Transfers 7.95% to 18.00%
APR for 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 month.
Minimal Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

Fees

Fee Type Fee Charge
Annual Fee $0
Balance Transfer  $0
Cash Advance  $0
Foreign Transaction 1% of each transaction in U.S. Dollars
Late Payment Up to $30
Over the Credit Limit Up to $30
Returned Payment $25
Card Replacement $5
Document Copy $10
How we will Calculate Your Balance: 
We use a method called "average daily balance" (including new purchases). The information about the costs of the card described in this application is accurate as of October 2014. This information may have changed after that date. To find out what may have changed, call us at 1 (800) 828-3901 or write to us at P.O. Box 8054, Plymouth, Michigan 48170. View Card Holder Agreement.
 
^ = Stated loan rate available to members with qualifying credit scores.  Actual rate(s) may be higher and will be determined by a member's individual credit score and collateral if applicable.  All loans subject to credit approval.

Open an Account

Regular Certificates

Term Rate / APY IRAs - Rate / APY
0 - 11 Month* 2.25% / 2.27% APY 2.25% / 2.27% APY
12 - 23 Month* 2.75% / 2.78% APY 2.75% / 2.78% APY
24 - 35 Month* 3.50% / 3.55% APY 3.50% / 3.55% APY
36 - 47 Month* 3.60% / 3.65% APY 3.60% / 3.65% APY
48 - 59 Month* 3.70% / 3.75% APY 3.70% / 3.75% APY
60 + Month* 3.80% / 3.85% APY 3.80% / 3.85% APY
7 Month Special* 5.00% / 5.09% APY 5.00% / 5.09% APY
13 Month Special** 4.50% / 4.58% APY 4.50% / 4.58% APY
Platinum Member Specials
TLC's Platinum Membership enjoys a 0.15% APR higher rate   Find out how you qualify
 
Term Rate / APY IRAs - Rate / APY
24 - 35 Month* 3.65% / 3.70% APY 3.65% / 3.70% APY
36 - 47 Month* 3.75% / 3.80% APY 3.75% / 3.80% APY
48 - 59 Month* 3.85% / 3.91% APY 3.85% / 3.91% APY
60 + Month* 3.95% / 4.01% APY 3.95% / 4.01% APY
CERTIFICATE DISCLOSURES:  APY = Annual Percentage Yield. Yields are subject to change. Please see a member service representative about applicable fees and terms. 365 day penalty for early withdrawal. *$1,000 minimum deposit to open and earn the stated APY.  **$5,000 minimum deposit to open and earn the stated APY. APYs are as of 04-25-2024 and subject to change.

Open an Account         Make an Appointment
 

Elite Checking*


Balance APY
 Checking only
$0 - $10,000 3.04% APY
Checking plus Consumer OR Mortgage Loan $0 - $10,000 3.30% APY
Checking plus Consumer AND Mortgage Loan $0 - $10,000 3.56% APY
Earn 2nd tier Money Market Rate $10,000 & Over 1.36% APY

Dividend Checking

Balance APY
$500 - $4,999.99  0.30% APY
$5,000 - $9,999.99   0.35% APY
$10,000 & Over 0.40% APY

Money Market

Balance APY
$2,500 - $9,999.99  1.21% APY
$10,000 - $24,999.99  1.36% APY
$25,000 & 49,999.99  1.51% APY
$50,000 - $99,999.99  1.66% APY
$100,000 & Over 1.76% APY

Health Savings Accounts

Balance APY
$0.01 & Over 0.35% APY

Member Savings

Balance APY
$200 & Over 0.35% APY

Variable Savings

Balance APY
$500 - $4,999.99  0.35% APY 
$5,000 - $9,999.99  0.40% APY
$10,000 & Over 0.45% APY

Variable IRA's

Balance APY
$5 - $999.99 0.35% APY
$1,000 - Over  0.45% APY

 

DEPOSIT ACCOUNT DISCLOSURES: APY = Annual Percentage Yield. Please see a member service representative about applicable fees and terms. How is interest compounded? Elite Checking - monthly; Dividend Checking - monthly; Money Market - monthly; Health Savings Account - monthly; Membership Savings - quarterly; Variable Savings - quarterly; Variable IRAs - quarterly. What is the minimum balance to open an account? Elite Checking - $50.00; Dividend Checking - $50.00; Money Market - $50.00; Health Savings Account - $50.00; Membership Savings - $5.00; Variable Savings - $5.00; Variable IRAs - $5.00. Elite Checking, Dividend Checking, Money Market and Health Savings APYs are as of 05-31-2024 with dividends declared monthly. Membership Savings, Variable Savings and Variable IRAs APYs are as of 03-31-2024 with dividends declared quarterly. Yields are subject to change. 
* = Qualifications to earn stated dividend rates include: Have eStatements, do a minimum of 22 debit card transactions and have at least 1 monthly direct deposit into any TLC share or perform a TLC bill pay transaction. Bonus is calculated and paid monthly during the monthly statement cycle (1st day of the month through the last day of the month). All debit transactions must post and settle within the statement cycle. If you don't qualify, you will earn the dividend checking account rates. Only 1 Elite or Rewards account per person.
Mortgage Loan rates vary depending on a number of qualifying factors. Please contact your Mortgage Loan Expert for specific, customized pricing for your financial situation. 
 
Popular rates are listed below. Contact a loan officer for additional loan options and rates.
 

Home Equity Line of Credit *, **

Terms up to:
Rates as low as:
300 Months
8.50%  APR

Home Equity - Fixed*

Terms up to: First Lien: Second Lien:
60 Months
7.375  % APR
7.875  % APR
120 Months
7.625    % APR
8.125 % APR
180 Months
7.875   % APR
8.375 % APR
To apply for a Home Improvement Loan:

Unsecured Home Improvement*

Type of Loan: Terms up to:
Rates as low as:
Up to $10,000 120 Months
9.74% APR
$10,001 - $25,000 180 Months
10.74% APR

DISCLOSURES: *: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program. Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Subject to lien placement. Rates, terms and conditions effective 6-18-2024, are for sample purposes only and subject to change.
 
*PFI Discount does not apply.
**Term up to 300 months (60 month draw term, 240 months repay term). 
^ : Representative example: $50,000 at 8.25% APR, 240 months, equals an approximate payment of $426.33. Estimated closing costs are $800. Maximum variable rate is 18%. Rate is variable.



























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