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. 

New Money Only

*TLC's Platinum Membership Discount not eligible for 740+ Credit Scores
 

New Auto

Type of Loan Term
740+ *
700 - 739
660 - 699
630 - 659
600 - 629
 599 & Lower
2021 - 2022 66 Months 1.99% APR 2.99% APR 4.99% APR 6.99% APR 8.99% APR 10.99% APR
2021 - 2022 72 Months 1.99% APR 2.99% APR 4.99% APR 6.99% APR 8.99% APR 10.99% APR
2021 - 2022 78 - 84 Months 2.49% APR 3.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR

Used Auto 

Type of Loan Term
740+ *
700 - 739
660 - 699
630 - 659
600 - 629
 599 & Lower
2017 - 2021 66 Months 1.99% APR 2.99% APR 4.99% APR 6.99% APR 8.99% APR 10.99% APR
2017 - 2021** 72 Months 1.99% APR 2.99% APR 4.99% APR 6.99% APR 8.99% APR 10.99% APR
2017 - 2021**
 78 Months 2.49% APR 3.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR

 

Refinance / 2016 & Older Model Years

TLC's Platinum Membership enjoys a 0.10% APR lower rate   Find out how you qualify
 

New Auto

Type of Loan Term
740+
700 - 739
660 - 699
630 - 659
600 - 629
 599 & Lower
2021 - 2022 66 Months 2.39% APR 3.39% APR 5.39% APR 7.39% APR 9.39% APR 11.39% APR
2021 - 2022 72 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
2021 - 2022 78 - 84 Months 3.49% APR 4.49% APR 6.49% APR 8.49% APR 10.49% APR 12.49% APR

Used Auto

Type of Loan Term
740+
700 - 739
660 - 699
630 - 659
600 - 629
 599 & Lower
2017 - 2021 66 Months 2.39% APR 3.39% APR 5.39% APR 7.39% APR 9.39% APR 11.39% APR
2017 - 2021** 72 Months 2.99% APR 3.99% APR 5.99% APR 7.99% APR 9.99% APR 11.99% APR
2017 - 2021**
 78 Months 3.49% APR 4.49% APR 6.49% APR 8.49% APR 10.49% APR 12.49% APR
2016** 72 Months 3.99% APR 4.99% APR 6.99% APR 8.99% APR 10.99% APR 12.99% APR
2014 - 2015 60 Months 4.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR 13.49% APR
2013 54 Months 4.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR 13.49% APR
2012 48 Months 4.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR 13.49% APR
2011 & Older 36 Months 4.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR 13.49% APR
APPLY NOW
 
AUTO, RECREATIONAL, & MISCELLANEOUS DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program.  Type of loan, term and credit score is listed on the chart above.  Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Listed rates/APRs are as of 11-10-2021 and subject to change. *PFI Discount does not apply. **Less than 40,000 miles.

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 / Utility Trailers

Type of Loan Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
NEW 66 Months
5.25%
APR
6.25%
APR
8.25%
APR
10.25%
APR
12.25%
APR
14.25%
APR
2017 - 2020 (used) 60 Months
6.25%
APR
7.25%
APR
9.25%
APR
11.25%
APR
13.25%
APR
15.25%
APR
2016 & Older 48 Months
7.25%
APR
8.25%
APR
 10.25% APR
12.25%
APR
14.25%
APR
16.25%
APR
 
4 Wheelers / Snowmobiles / Personal Watercraft / Dirt Bikes
Type of Loan Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
New 60 Months
5.25%
APR
6.25%
APR
8.25%
APR
10.25%
APR
12.25%
APR
14.25%
APR
Used 48 Months
6.25%
APR
7.25%
APR
9.25%
APR
11.25%
APR
13.25%
APR
15.25%
APR

Boats

Type of Loan Term  740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
Up to $10,000 72 Months
3.50%
APR
4.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
$10,001 - $20,000 96 Months
3.50%
APR
4.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
$20,001 - $35,000 144 Months
3.50%
APR
4.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
$35,001 & Higher 180 Months
3.50%
APR
4.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR

Motorhomes / Travel Trailers

Type of Loan Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
Up to $10,000 60 Months
4.50%
APR
5.50%
APR
7.50%
APR
9.50%
APR
11.50%
APR
13.50%
APR
$10,001 - $20,000 72 Months
4.50%
APR
5.50%
APR
7.50%
APR
9.50%
APR
11.50%
APR
13.50%
APR
$20,001 - $35,000 120 Months
4.50%
APR
5.50%
APR
7.50%
APR
9.50%
APR
11.50%
APR
13.50%
APR
$35,001 & Higher 180 Months
4.50%
APR
5.50%
APR
7.50%
APR
9.50%
APR
11.50%
APR
13.50%
APR
 
APPLY NOW
 
AUTO, RECREATIONAL, & MISCELLANEOUS DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program.  Type of loan, term and credit score is listed on the chart above.  Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Listed rates/APRs are as of 11-01-2021 and subject to change. *Less than 40,000 miles. **PFI Discount does not apply. 
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 Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
 599 & Lower
New Up to 60 Months
6.50%
APR
7.50%
APR
9.50%
APR
11.50%
APR
11.50%
APR
15.50%
APR
Used Up to 60 Months
7.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
14.50%
APR
16.50%
APR

Personal Installment**

740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
7.21% APR
8.21%
APR
10.21%
APR
12.21%
APR
14.21%
APR
16.21%
APR
AUTO, RECREATIONAL, & MISCELLANEOUS DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program.  Type of loan, term and credit score is listed on the chart above.  Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Listed rates/APRs are as of 11-01-2021 and subject to change. *Less than 40,000 miles. **PFI Discount does not apply. 


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.

Regular Certificates

Term Rate / APY IRAs - Rate / APY
0 - 11 Month* 0.20% / 0.20% APY 0.20% / 0.20% APY
12 - 23 Month* 0.30% / 0.30% APY 0.30% / 0.30% APY
24 - 35 Month* 0.40% / 0.40% APY 0.40% / 0.40% APY
36 - 47 Month* 0.50% / 0.50% APY 0.50% / 0.50% APY
48 - 59 Month* 0.60% / 0.60% APY 0.60% / 0.60% APY
60 + Month* 0.70% / 0.70% APY 0.70% / 0.70% 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* 0.50% / 0.50% APY 0.50% / 0.50% APY
36 - 47 Month* 0.60% / 0.60% APY
 0.60% / 0.60% APY
48 - 59 Month* 0.70% / 0.70% APY 0.70% / 0.70% APY
60 + Month* 0.80% / 0.80% APY 0.80% / 0.80% APY

Internet Certificate

Term Rate / APY IRAs - Rate / APY
7 Month* 0.25% / 0.25% APY N/A
19 Month* 0.45% / 0.45% 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.  APYs are as of 10-28-2021 and subject to change.  Fee Schedule. Download Acrobat Reader here.

Book Appointment  

Dividend / Retiree Checking

Balance APY
$500 - $4,999.99  0.03% APY
$5,000 - $9,999.99   0.05% APY
$10,000 & Over 0.07% APY
Money Market
Balance APY
$2,500 - $9,999.99  0.03% APY
$10,000 - $24,999.99  0.05% APY
$25,000 & 49,999.99  0.07% APY
$50,000 - $99,999.99  0.10% APY
$100,000 & Over 0.15% APY
Health Savings Accounts
Balance APY
$0.01 & Over 0.03% APY
Membership Savings
Balance APY
$200 & Over 0.03% APY

Variable Savings

Balance APY
$500 - $4,999.99  0.03% APY 
$5,000 - $9,999.99  0.05% APY
$10,000 & Over 0.05% APY
Variable IRAs
Balance APY
$5 - $999.99 0.03% APY
$1,000 - Over  0.05% APY

Book Appointment  

 
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 10-28-2021 with dividends declared monthly. Membership Savings, Variable Savings and Variable IRAs APYs are as of 10-29-2021 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
3.375 %/3.523 %
0 Points
3.375  %/3.523 %
0 Points
3.750  %/3.902 %
0 Points
20 Year
3.125 %/3.332%
0 Points
3.250%/3.458  %
0 Points
3.500%/3.710  %
0 Points
15 Year
2.625%/2.889%
0 points
2.625 %/2.889 %
0 points
3.000 %/3.267%
0 points
10 year
2.500%/2.885%
0 points
2.625 %/3.011%
0 points
2.875  %/3.262 %
0 points

Popular rates are listed below. Contact a loan officer for additional loan options and rates.

Home Equity Line of Credit*

Term
740+
700 - 739
680 - 699
120 Months
3.25%
APR
4.25%
APR
5.25%
APR

Home Equity - Fixed*

Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
 599 & Lower
Up to 120 Months
5.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
14.50%
APR
To apply for a Home Improvement Loan:

Unsecured Express for Home Improvement*

Type of Loan Term
740+
700 - 739
680 - 699
$7,500 - $25,000 120 Months
6.50%
APR
7.50%
APR
9.50%
APR
$10,001 - $25,000 121 - 180 Months
7.00%
APR
8.00%
APR
10.00%
APR

Home Improvement*

Type of Loan Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
 599 & Lower
Secured 60 Months
5.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
14.50%
APR
Secured 61 - 121 Months
6.00%
APR
7.00%
APR
9.00%
APR
11.00%
APR
13.00%
APR
15.00%
APR
Unsecured 60 Months
9.00%
APR
10.00%
APR
12.00%
APR
14.00%
APR
16.00%
APR
18.00%
APR
Unsecured 61 - 120 Months
9.50%
APR
10.50%
APR
12.50%
APR
14.50%
APR
16.50%
APR
18.50%
APR
DISCLOSURES: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program.  Type of loan, term and credit score is listed on the chart above.  Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Listed rates/APRs are as of 04-30-2021 and subject to change. *PFI Discount does not apply. 
Fishes and Loaves Fair Donation - 2020

Giving back

$226,593

Amount Donated

326

Annual Sponsorships

52

Scholarships Awarded