Annual percentage yields offered as of December 1, 2024. Rates may change after account is opened. Although dividends are based on the Credit Union's earnings at the end of each dividend period and cannot be guaranteed, the Credit Union projects sufficient earnings to pay these projected rates. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Certificate rates are set for the term of the account.
Checking Accounts Learn More
| Account ** | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|
| TVFCU Perks Platinum Checking | 0.50% | 0.50% |
| TVFCU Perks Plus | 0.25% | 0.25% |
**The checking account types listed below are no longer available for new account openings:
Seniors Choice Checking 0.05/0.05APY (up to 0.15 APY FOR TROPHY LEVEL)
Rewards Checking 0.05/0.05 APY (up to 0.15 APY FOR TROPHY LEVEL)
Savings Accounts Learn More
| Account | Dividend Rate | APY |
|---|---|---|
| Share Accounts | 0.30% | 0.30% |
| Club Accounts | 0.30% | 0.30% |
| Christmas Club Accounts | 0.30% | 0.30% |
| Health Savings Accounts (HSAs) | 0.45% | 0.45% |
Money Market Accounts Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $2,500 - $9,999 | 2.47% | 2.50% |
| $10,000 - $24,999 | 2.52% | 2.55% |
| $25,000 - $49,999 | 2.67% | 2.70% |
| $50,000 - $99,999 | 2.91% | 2.95% |
| $100,000 and above | 2.96% | 3.00% |
$2,500 minimum balance is required to earn dividends on Money Market Accounts.
Share/IRA Certificates Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Months* | 4.11% | 4.15% |
| 12 Months* | 3.94% | 4.00% |
| 18 Months* | 3.94% | 4.00% |
| 24 Months* | 3.70% | 3.75% |
| 30 Months* | 2.97% | 3.00% |
| 60 Months* | 2.97% | 3.00% |
*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.
Individual Retirement Accounts (IRAs) Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| Less than $10,000 | 2.47% | 2.50% |
| $10,000 – $24,999 | 2.52% | 2.55% |
| $25,000 – $49,999 | 2.67% | 2.70% |
| $50,000 – $99,999 | 2.91% | 2.95% |
| $100,000 + | 2.96% | 3.00% |
Business Share & Club Accounts
| Account | Dividend Rate | APY |
|---|---|---|
| Share & Club | 0.30% | 0.30% |
Business Share Draft Accounts
| Account | Dividend Rate | APY |
|---|---|---|
| Small Business Checking with Dividends | 0.05% | 0.05% |
| Commercial Checking | 0.05% | 0.05% |
Business Money Market Accounts
| Balance | Dividend Rate | APY |
|---|---|---|
| $2,500 – $9,9999 | 2.47% | 2.50% |
| $10,000 – $24,999 | 2.52% | 2.55% |
| $25,000 – $49,999 | 2.67% | 2.70% |
| $50,000 – $99,999 | 2.91% | 2.95% |
| $100,000 – $149,999 | 2.96% | 3.00% |
| $150,000 – $199,999 | 3.01% | 3.05% |
| $200,000+ | 3.06% | 3.10% |
$2,500 minimum balance is required to earn dividends on Money Market Accounts.
Business Share Certificates
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Months* | 4.11% | 4.15% |
| 12 Months* | 3.94% | 4.00% |
| 18 Months* | 3.94% | 4.00% |
| 24 Months* | 3.70% | 3.75% |
| 30 Months* | 2.97% | 3.00% |
| 60 Months* | 2.97% | 3.00% |
*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.
Home Equity Loans Learn More
| APR |
|---|
| Please visit the TVFCU Mortgage Center for a rate estimate here. |
Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, contact us at 423-634-3667 or speak with your area Mortgage Originator.
Home Equity Lines of Credit (HELOCs) Learn More
| APR |
|---|
| Please visit the TVFCU Mortgage Center for a rate estimate here. |
Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, contact us at 423-634-3667 or speak with your area Mortgage Originator.
New Cars & Trucks Learn More
|
Mileage |
Term |
APR |
|---|---|---|
|
December Special! Within 3 most recent model years and less than 25,000 miles2 |
75 months or less |
4.99% |
|
Within 3 most recent model years and less than 25,000 miles1 |
48 months or less |
4.99% to 13.64% |
|
Within 3 most recent model years and less than 25,000 miles 1 |
49 - 63 months |
4.99% to 15.64% |
|
Within 3 most recent model years and less than 25,000 miles1 |
64 - 75 months |
4.99% to 17.04% |
|
Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1 |
76 - 84 months |
7.34% to 12.74% |
All rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Proof of insurance is required with $1,000 deductible standard.
1For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00.
2Special available to borrowers with a credit score of 650 or higher, up to 120% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP. Borrowers who do not qualify for the December special may qualify for our regular rates and terms listed in the table. (Down payment required at Credit Union discretion).
Used Cars & Trucks Learn More
|
Mileage |
Term |
APR |
|---|---|---|
|
December 2024 Special: 25,000 - 99,999 miles.3 |
75 months or less |
5.99% |
|
25,000 - 99,999 miles1 |
48 months or less |
5.99% to 13.34% |
|
25,000 - 99,999 miles1 |
49 to 63 months |
5.99% to 16.34% |
|
25,000 - 99,999 miles1 |
64 to 75 months |
5.99% to 17.34% |
|
25,000 - 99,999 miles1 |
76 to 84 months |
7.94% to 13.64% |
|
|
|
|
|
Greater than 100,000 miles but less than 175,000 miles2 |
48 months or less |
8.84% to 17.04% |
|
Greater than 100,000 miles but less than 175,000 miles2 |
49 to 60 months |
9.04% to 18.00% |
|
Greater than 100,000 miles but less than 175,000 miles2 |
61 to 72 months |
9.54% to 18.00% |
1For qualified borrowers, the Credit Union can finance up to 135% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76-84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00.
2For qualified borrowers, the Credit Union can finance up to 100% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP. 61-72 months requires NADA retail value greater than $12,500.00 (Down payment required at Credit Union discretion)
3Special available to borrowers with a credit score of 650 or higher, up to 120% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP. Borrowers who do not qualify for the December special may qualify for our regular rates and terms listed in the table. 61-72 months requires NADA retail value greater than $12,500.00 (Down payment required at Credit Union discretion)
New Motorcycles Learn More
| Term | APR |
|---|---|
| 36 months | 6.99% to 12.49% |
| 48 months | 7.49% to 12.99% |
| 60 months | 7.99% to 13.49% |
| 72 months | 8.49% to 11.49% |
| 84 months | 8.99% to 11.99% |
Not more than two model years old and previously titled (street bikes only, not previously owned). For qualified borrowers, the Credit Union can finance up to 100% of MSRP (plus tax, tag, and warranty). Dealer discounts not accepted as down payments. Warranty up to $1,200. $10,000 minimum for 72 and 84 months.
Used Motorcycles Learn More
| Term | APR |
|---|---|
| 36 months | 7.99% to 12.99% |
| 48 months | 8.49% to 13.49% |
| 60 months | 8.99% to 13.99% |
| 72 months | 9.49% to 10.49% |
Five model years old or newer (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Dealer discounts not accepted as down payments. $10,000 minimum for 72 months.
New Boats Learn More
| Amount | Term | APR |
|---|---|---|
| $9,999 or less | up to 60 Months | 6.24% to 16.24% |
| $10,000 to $24,999 | 61 to 120 Months | 6.54% to 15.24% |
| $25,000 to $49,999 | 121 to 144 Months | 6.74% to 11.54% |
| $50,000 or higher | 145 to 180 Months | 7.74% to 11.24% |
For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).
New Motorhomes Learn More
| Amount | Term | APR |
|---|---|---|
| $9,999 or less | $9,999 or less up to 60 Months | 6.24% to 16.24% |
| $10,000 to $24,999 | $10,000 to $24,999 from 61 to 120 Months | 6.34% to 15.24% |
| $25,000 to $49,999 | $25,000 to $49,999 from 121 to 144 Months | 6.54% to 10.54% |
| $50,000 or higher | $50,000 or higher from 145 to 180 Months | 7.44% to 10.24% |
For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).
New Travel Trailers & Campers Learn More
| Amount | Term | APR |
|---|---|---|
| $9,999 or less | $9,999 or less up to 60 Months | 7.24% to 12.99% |
| $10,000 to $24,999 | $10,000 to $24,999 from 61 to 120 Months | 7.49% to 13.24% |
| $25,000 to $49,999 | $25,000 to $49,999 from 121 to 144 Months | 7.74% to 11.49% |
| $50,000 or higher | $50,000 or higher from 145 to 180 Months | 7.99% to 11.24% |
For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).
Used Boats, Motorhomes, Travel Trailers & Campers Learn More
| Amount | Term | APR |
|---|---|---|
| $9,999 or less | up to 60 Months | 10.24% to 13.49% |
| $10,000 to $24,999 | from 61 to 120 Months | 9.99% to 13.24% |
| $25,000 to $49,999 | from 121 to 144 Months | 9.74% to 12.49% |
| $50,000 or higher | from 145 to 180 Months | 9.49% to 12.24% |
For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (plus tax, tag, and license)
ATVs, Jet Skis & Other Collateral Learn More
| Term | APR |
|---|---|
| 24 months | 9.99% to 18.00% |
| 36 months | 10.24% to 18.00% |
| 48 months | 10.49% to 18.00% |
| 60 months | 10.74% to 18.00% |
For qualified borrowers: New ATVs and jet skis up to 75% MSRP, new or used other collateral up to 75% NADA used trade-in value (tax, tag, and warranty included in percentages).
Personal Loans Learn More
| Loan Type | Term | APR |
|---|---|---|
| Personal Term Loan | 24 Months | 10.49% to 18.00% |
| Personal Term Loan | 36 Months | 10.49% to 18.00% |
| Personal Term Loan | 48 Months | 10.49% to 18.00% |
| Personal Term Loan | 60 Months | 10.49% to 18.00% |
| Secured Loans | Varied | Loan APR is determined by adding 2% to the dividend rate you are earning on the share account that will be secured for the loan. |
Rates vary daily. For current rates, please contact us.
For loan products not listed, inquire with a loan officer as to terms/rates.