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
  • Computers
  • Tractors, trailers, lawn equipment, farm equipment, horse trailers (including those with living quarters)
  • Spas and above ground pools
  • Musical instruments
  • Outdoor kitchens
  • Installed generators
  • Special needs equipment
  • Electric vehicles (street legal low speed vehicles), etc.
  • HVAC Units
  • Gutters
  • Windows
  • Wood Floors/Carpet
  • Decks
  • Sprinkler Systems
  • Auto accessories (including wheels, lifts and customizations)

Secured Rates (Effective 12/1/2020 – Until Further Notice)

Rates disclosed below are annual percentage rates (APR)

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

Fixed: Rates range between 4.99% APR to 13.49% APR with terms up to 120 months. Rates are based on member’s credit history and term requested.

Example Transactions for Secured Loans & Rates:
Collateral Household Goods Household Goods
Purchase Price
5,000.00 43,750.00
Amount Financed 5,000.00 35,000.00
Term (Months) 60 120
Loan to Value 100% 80%
Down Payment 0.00 8,750.00
APR 4.99% 13.49%
Fixed or Variable Fixed Fixed
Monthly Payment 94.34 532.89
Total Repayment 5,660.21 63,945.26
Payment Per $1,000.00 18.87 15.23