Other Secured Loans

Shopping for new furniture, appliances or a computer? TFCU can help you with a fixed rate secured loan and a flexible repayment period. We can also consolidate your high interest loans into one low interest payment with a secured loan. This includes:

Household goods (indoor furniture and appliances)
Computers
Trailers, lawn mowers, farm equipment, horse trailers (without living quarters)
Hot-tub and Spas
Above-ground pools
Musical instruments
Installed generators
Special needs equipment
Electric vehicles (street legal low speed vehicles), etc.
Golf carts, non-titled scooters, and bicycles
HVAC Units
Saunas
Tractors (separate rates below)

Secured Rates (Effective 11/1/2022 – Until Further Notice)

Other Secured Loans on items above are available up to $35,000 for qualified members.

Rates disclosed below are annual percentage rates (APR)

Special needs equipment loans discounted by 1.00% off stated rates.

Fixed: Rates range between XX% APR to XX% APR with terms up to 120 months. Rates are based on member’s credit history and term requested.

Secured Rates for Tractors

Other Secured Loans on Tractors are available up to $50,000 for qualified members.

Fixed: Rates range between X% APR to XX% APR with terms up to 120 months. Rates are based on member’s credit history and term requested.

Example Transactions for Secured Loans & Rates:

Purchase Price	5,000.00	50,000.00
Amount Financed	5,000.00	50,000.00
Term (Months)	60	120
Loan to Value	100%	80%
Down Payment	0.00	12,500.00
APR	7.49%	16.49%
Fixed or Variable	Fixed	Fixed
Monthly Payment	100.17	853.20
Total Repayment	6,010.04	102,381.86
Payment Per $1,000.00	20.04	16.49