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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 Term
740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
2022 66 Months 2.24% APR 3.24% APR 5.24% APR 7.24% APR 9.24% APR 11.24% APR
2022 72 Months 2.54% APR 3.54% APR 5.54% APR 7.54% APR 9.54% APR 11.54% APR
2022 78 - 84 Months 3.04% APR 4.04% APR 6.04% APR 8.04% APR 10.04% APR 12.04% APR

Used Auto

Type of Loan Term
740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
2018 - 2022 66 Months 2.24% APR 3.24% APR 5.24% APR 7.24% APR 9.24% APR 11.24% APR
2018 - 2022** 72 Months 2.54% APR 3.54% APR 5.54% APR 7.54% APR 9.54% APR 11.54% APR
2018 - 2022**
78 Months 3.04% APR 4.04% APR 6.04% APR 8.04% APR 10.04% APR 12.04% APR
2017** 72 Months 3.49% APR 4.49% APR 6.49% APR 8.49% APR 10.49% APR 12.49% APR
2015 - 2016 60 Months 3.99% APR 4.99% APR 6.99% APR 8.99% APR 10.99% APR 12.99% APR
2014 54 Months 4.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR 13.49% APR
2013 48 Months 4.49% APR 5.49% APR 7.49% APR 9.49% APR 11.49% APR 13.49% APR
2012 & 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 05-20-2022 and subject to change. *PFI Discount does not apply. **Less than 40,000 miles.
^ = Representative example - $20,000 financed for 66 months @2.24% APR equals an estimated payment of $322.40
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 Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
NEW 72 Months
3.50%
APR
4.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
2018 - 2021 (used) 66 Months
4.00%
APR
5.00%
APR
7.00%
APR
9.00%
APR
11.00%
APR
13.00%
APR
2017 & Older 60 Months
4.50%
APR
5.50%
APR
7.50% APR
9.50%
APR
11.50%
APR
13.50%
APR
 

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

Type of Loan Term 740+
700 - 739
660 - 699
630 - 659
600 - 629
599 & Lower
New 66 Months
4.50%
APR
5.50%
APR
7.50% APR
9.50%
APR
11.50%
APR
13.50%
APR
Used 54 Months
5.50%
APR
6.50%
APR
8.50%
APR
10.50%
APR
12.50%
APR
14.50%
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
4.00%
APR
5.00%
APR
7.00%
APR
9.00%
APR
11.00%
APR
13.00%
APR
$10,001 - $20,000 72 Months
4.00%
APR
5.00%
APR
7.00%
APR
9.00%
APR
11.00%
APR
13.00%
APR
$20,001 - $35,000 120 Months
4.00%
APR
5.00%
APR
7.00%
APR
9.00%
APR
11.00%
APR
13.00%
APR
$35,001 & Higher 180 Months
4.00%
APR
5.00%
APR
7.00%
APR
9.00%
APR
11.00%
APR
13.00%
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 04-04-2022 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 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
7.99% APR
8.99%
APR
10.99%
APR
12.99%
APR
14.99%
APR
16.99%
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 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.

Regular Certificates

Term Rate / APY IRAs - Rate / APY
0 - 11 Month* 0.20% / 0.20% APY 0.20% / 0.20% APY
12 - 23 Month* 0.35% / 0.35% APY 0.35% / 0.35% APY
24 - 35 Month* 0.50% / 0.50% APY 0.50% / 0.50% APY
36 - 47 Month* 0.65% / 0.65% APY 0.65% / 0.65% APY
48 - 59 Month* 0.85% / 0.85% APY 0.85% / 0.85% APY
60 + Month* 1.00% / 1.00% APY 1.00% / 1.00% 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* 0.60% / 0.60% APY 0.60% / 0.60% APY
36 - 47 Month* 0.75% / 0.75% APY
0.75% / 0.75% APY
48 - 59 Month* 0.95% / 0.95% APY 0.95% / 0.95% APY
60 + Month* 1.10% / 1.10% APY 1.10% / 1.10% APY

Internet Certificate

Term Rate / APY IRAs - Rate / APY
7 Month* 0.30% / 0.30% APY N/A
19 Month* 0.60% / 0.60% 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 05-19-2022 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  0.05% APY
$10,000 - $24,999.99  0.10% APY
$25,000 & 49,999.99  0.15% APY
$50,000 - $99,999.99  0.20% APY
$100,000 & Over 0.25% 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 04-30-2022 with dividends declared monthly. Membership Savings, Variable Savings and Variable IRAs APYs are as of 03-31-2021 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
5.125 %/5.290 %
0 Points
5.125  %/5.290 %
0 Points
5.750  %/5.921 %
0 Points
20 Year
4.875 %/5.096%
0 Points
4.875%/5.096  %
0 Points
5.500%/5.726  %
0 Points
15 Year
4.375%/5.625%
0 points
4.375 %/4.652 %
0 points
5.000 %/5.282%
0 points
10 year
4.125%/4.521%
0 points
4.125 %/4.521%
0 points
4.625  %/5.025 %
0 points


^ =  APR equals Annual Percentage Rate. Representative example: 20% down payment, $150,000 financed at 4.5213% APR for 120 months equals an approximate payment of $1,528.00 our 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 05-20-2022, 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 will 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 *, **

Term
740+
700 - 739
680 - 699
300 Months
4.00%
APR
5.00%
APR
6.00%
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 Home Improvement*

Type of Loan Term
740+
700 - 739
680 - 699
Up to $10,000 120 Months
5.75%
APR
6.75%
APR
8.75%
APR
$10,001 - $25,000 121 - 180 Months
6.75%
APR
7.75%
APR
9.75%
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. Rates, terms and conditions effective 05-20-2022, are for sample purposes only and subject to change. *PFI Discount does not apply. **Term up to 300 months (60 month borrow time, 240 months amortization).
Representative example: $50,000 at 4.00% APR, 240 months, credit score 740+, with a 45 day lock equals an approximate payment of $303.10. Estimated closing costs are $570. For loans with credit scores 600-739 = 5.00% APR and 680-699 = 6.00% APR. Maximum variable rate is 18%. Rate is variable. 



























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