TLC Community Credit Union
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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 

Terms up to:
Rates as low as:
66 Months 2.64% APR
72 Months 2.84% APR
84 Months 3.44% APR

Used Auto

Type of Loan: Terms up to:
Rates as low as:
2018 - 2022 66 Months 2.64% APR
2018 - 2022** 72 Months 2.84% APR
2018 - 2022**
 78 Months 3.44% APR
2017** 72 Months 3.74% APR
2015 - 2016 60 Months 4.24% APR
2014 54 Months 4.74% APR
2013 48 Months 4.74% APR
2012 & Older 36 Months 4.74% 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 07-14-2022 and subject to change. *PFI Discount does not apply. **Less than 40,000 miles.
^ = Representative example - $20,000 financed for 66 months @2.64% APR equals an estimated payment of $325.93.
Popular rates are listed below. Contact a loan officer for additional loan options and rates.
TLC's Platinum Membership enjoys a 0.10% APR lower rate   Find out how you qualify
 

Motorcycles

Type of Loan: Terms up to: Rates as low as:
NEW 72 Months
3.50%
APR
USED
2018 - 2021 
 66 Months
4.00%
APR
USED
2017 & Older
 60 Months
4.50%
APR
 

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

Type of Loan: Terms up to: Rates as low as:
New 66 Months
4.50%
APR
Used 54 Months
5.50%
APR

Boats

Type of Loan: Terms up to:  Rates as low as:
Up to $10,000 72 Months
3.75%
APR
$10,001 - $20,000 96 Months
3.75%
APR
$20,001 - $35,000 144 Months
3.75%
APR
$35,001 & Higher 180 Months
3.75%
APR

Motorhomes, Travel Trailers

Type of Loan: Terms as low as: Rates as low as:
Up to $10,000 60 Months
4.00%
APR
$10,001 - $20,000 72 Months
4.00%
APR
$20,001 - $35,000 120 Months
4.00%
APR
$35,001 & Higher 180 Months
4.00%
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 07-14-2022 and subject to change. *Less than 40,000 miles. **PFI Discount does not apply. 
 
^ = Representative example - $20,000 financed for 96 months @ 3.50% APR equals an estimated payment of $239.20.
Popular rates are listed below. Contact a loan officer for additional loan options and rates.
TLC's Platinum Membership enjoys a 0.10% APR lower rate   Find out how you qualify

Lawn & Garden

Type of Loan: Terms up to: Rates as low as:
New 60 Months
6.50%
APR
Used 60 Months
7.50%
APR

Personal Installment**

Rates as low as 7.99% 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 04-04-2021 and subject to change. *Less than 40,000 miles. **PFI Discount does not apply. 
^ = Representative example is $5,000 financed for 60 months @ 6.50% APR equals an estimated payment of $97.85.


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* 0.50% / 0.50% APY 0.50% / 0.50% APY
12 - 23 Month* 0.75% / 0.75% APY 0.75% / 0.75% APY
24 - 35 Month* 1.00% / 1.00% APY 1.00% / 1.00% APY
36 - 47 Month* 1.25% / 1.26% APY 1.25% / 1.26% APY
48 - 59 Month* 1.50% / 1.51% APY 1.50% / 1.51% APY
60 + Month* 1.75% / 1.76% APY 1.75% / 1.76% APY
49 Month Special** 2.49% / 2.51% APY 2.49% / 2.51% APY
Platinum Member Specials
TLC's Platinum Membership enjoys a 0.10% APR higher rate   Find out how you qualify
 
Term Rate / APY IRAs - Rate / APY
24 - 35 Month* 1.10% / 1.10% APY 1.10% / 1.10% APY
36 - 47 Month* 1.35% / 1.36% APY
 1.35% / 1.36% APY
48 - 59 Month* 1.60% / 1.61% APY 1.60% / 1.61% APY
60 + Month* 1.85% / 1.86% APY 1.85% / 1.86% APY
49 Month Special** 2.59% / 2.62% APY 2.59% / 2.62% APY

Internet Certificate

Term Rate / APY IRAs - Rate / APY
7 Month* 0.65% / 0.65% APY N/A
19 Month* 1.15% / 1.16% APY N/A
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.  **$10,000 minimum deposit to open and earn the stated APY. APYs are as of 08-04-2022 and subject to change.

Open an Account         Make an Appointment  

 

Basic Checking, Dividend Checking

Balance APY
$500 - $4,999.99  0.05% APY
$5,000 - $9,999.99   0.10% APY
$10,000 & Over 0.15% APY

Money Market

Balance APY
$2,500 - $9,999.99  0.20% APY
$10,000 - $24,999.99  0.25% APY
$25,000 & 49,999.99  0.30% APY
$50,000 - $99,999.99  0.35% APY
$100,000 & Over 0.40% APY

Health Savings Accounts

Balance APY
$0.01 & Over 0.07% APY

Membership Savings

Balance APY
$200 & Over 0.05% APY

Variable Savings

Balance APY
$500 - $4,999.99  0.05% APY 
$5,000 - $9,999.99  0.07% APY
$10,000 & Over 0.10% APY

Variable IRAs

Balance APY
$5 - $999.99 0.05% APY
$1,000 - Over  0.10% APY

 

SAVINGS ACCOUNT DISCLOSURES: APY = Annual Percentage Yield. Please see a member service representative about applicable fees and terms. How is interest compounded? 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? 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. Dividend Checking, Money Market and Health Savings APYs are as of 07-31-2022 with dividends declared monthly. Membership Savings, Variable Savings and Variable IRAs APYs are as of 06-30-2022 with dividends declared quarterly. Yields are subject to change. Fee Schedule. Download Acrobat Reader here.
Type of Loan:
Purchase Rate/APR
Points:
Refinance Rate/APR
Points:
Cash-Out Refinance Rate/APR
Points:
30 Year
5.625 %/5.795 %
0 Points
5.625  %/5.795 %
0 Points
6.625  %/6.805 %
0 Points
20 Year
5.250 %/5.474%
0 Points
5.250%/5.474  %
0 Points
5.875%/6.105  %
0 Points
15 Year
4.875%/5.156%
0 points
4.875 %/5.156 %
0 points
5.625 %/5.912 %
0 points
10 year
4.875%/5.277%
0 points
4.875 %/5.577%
0 points
5.625 %/6.033 
0 points


DISCLOSURES: ^ =  APR equals Annual Percentage Rate. Representative example: 20% down payment, $150,000 financed at 5.1559% APR for 180 months equals an approximate payment of $1,176.00.  Your credit score, down payment, loan amount or other characteristics may be different than the enclosed example. Subject to credit approval. Property insurance is required.  Rates, terms and conditions effective 08/05/2022, are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation may be higher. 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.

APPLY NOW

Home Equity Line of Credit *, **

Terms up to:
Rates as low as:
300 Months
5.50%
APR

Home Equity - Fixed*

Terms up to: Rates as low as:
60 Months
5.91 % APR
120 Months
5.85  % APR
180 Months
6.25 % 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
6.75%
APR
$10,001 - $25,000 180 Months
7.75%
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. Rates, terms and conditions effective 08/04/2022, 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 5.50% APR, 240 months, equals an approximate payment of $344.10. Estimated closing costs are $800. Maximum variable rate is 18%. Rate is variable.



























Clinton Fire Department Donation

We believe in our community!

Donations - 2020/21 School Yr - Scholarships

$538,290

2017 thru 2021

393

K thru 12 and Summer Camp Events

62

$1000 Scholarships Awarded