Loan Rates

We offer a variety of low rate loans for our members evolving needs. Please contact our Loan Department for more information by calling 860-253-4780 or 800-749-8305.

FIND A LOWER CAR LOAN RATE & WE’LL MATCH IT!**

Loan Rates as of November 1, 2018

Maximum loan amount for the Classroom Cash Loan is $500.00. Payment example: Monthly loan repayments on a $500.00 loan is $50.00 per month. There is a $25 application fee. We do not consider credit history or credit score for this loan. Direct deposit required for monthly loan payment. A copy of current contract required. TVTFCU membership required. Only one Classroom Cash Loan is available per member at one time. Some restrictions apply. Terms subject to change without notice.

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*Method of Computing the Balance for Purchases

ScoreCard Rewards: This program gives you the flexibility to earn points redeemable for exciting awards. View point balance, search and view awards, create wish lists, update your profile and more. Redeem points online for merchandise and travel awards. Your first year of points, if not redeemed, will expire March 31st of the fifth year. This will continue each year thereafter.

Visa Loanliner Disclosure - Page 1>     Visa Loanliner Disclosure - Page 2>

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²All purchases, balance transfers and cash advances made from November 1 - December 31, 2018 will be at the rate of 3.99% apr for 12 months then remaining balance will revert to the prevailing rate. Promotional rate is one year from your 1st balance transfer, purchase or cash advance made during the promotional period. Existing TVTFCU Visa Credit Card balances cannot be transferred to our low rate special. 

Visit Our Auto Buying Resource Center!
You can search thousands of cars nationwide, price out your next car in minutes, save your car searches, view FREE CarFax Reports (If they are available through the dealership.),
get trade-in values, determine your estimated monthly loan payment and apply for your loan with TVTFCU!

¹New cars only. 

Maximum loan amount for vehicle loans: $50,000.00.

Payment Example: A $10,000 car loan financed for 36 months at 2.69% apr would be $298.52 per month including Credit Disability Insurance. 

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Visit Our Online Auto Buying Resource Center!
You can search thousands of cars nationwide, price out your next car in minutes, save your car searches, get an estimated monthly loan payment and apply for a loan with TVTFCU!

Payment Example: A $10,000 car loan financed for 36 months at 5.69% apr would be $312.17 per month including Credit Disability Insurance.

² Maximum term is 48 months. Up to 100% financing including Guaranteed Asset Protection (GAP) Insurance. Add 1% to above rate if loan-to-value is 95% - 100% including Guaranteed Asset Protection (GAP) Insurance. We do not refinance existing TVTFCU loans.

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Payment Example: A $10,000 recreational vehicle loan financed for 48 months at 9.00% apr would be $258.59 per month including Credit Disability Insurance.

Add 1% to above rate if loan-to-value is 95% - 100% including Guaranteed Asset Protection (GAP) Insurance. We do not refinance existing TVTFCU loans.

Payment Example: A $5,000 personal loan financed for 48 months at 10.25% apr would be $132.41 per month including Credit Disability Insurance.

Maximum loan amount for personal loan with one signature: $15,000.

Maximum loan amount for personal loan with two signatures: $25,000.

VISA limits are included in the signature limit. Minimum loan amount: $500.00.

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Maximum loan amount for the Savers Loan is $500.00. Loan monthly payments are approximately $48.00 per month. Must have some income to satisfy monthly payment. A co-signer is not required. Loan proceeds deposited into your savings account and are available to you when the loan is paid in full.

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Minimum loan amount is $500.00. Payment example: a $500 loan at 4% for 36 months would be $14.76 per month.

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Minimum loan amount is $500.00.

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APR = Annual Percentage Rate

Minimum loan amount for a home equity fixed loan is $10,000.00,
the maximum loan amount is $100,000.00.

Payment example: a $10,000 loan at 4.00% for 60 months would be $184.20 per month. This applies to an owner-occupied home that is your primary residence located in CT or MA. The payments do not include amounts for taxes and insurance premiums. Your interest may be tax deductible, consult your tax advisor.

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The rate is based on the prime rate published in The Wall Street Journal on the last business day of the month.

Minimum HELOC is $10,000.00, maximum HELOC is $100,000.00. The maximum Loan to Value for houses is 75% and for condominiums is 70%. This applies to an owner-occupied home that is your primary residence located in CT or MA. The payments do not include amounts for taxes and insurance premiums. Your interest may be tax deductible, consult your tax advisor.

HELOC Loanliner Disclosure
Page 1 and Page 2

What You Should Know About Home Equity Lines of Credit
Page 1 and Page 2

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Buying a home in Florida? Our mortgage partner, Allanach Mortgage Group also offers mortgages in Florida.

Mortgage products offered in partnership with Allanach Mortgage Group, broker's license
MA# MB6033 - NH# 5616 - ME# CS04501 - CT# 7160 - RI# 20051935LB - FL# 2894

Our Mortgage Express loan is a fixed rate home equity loan secured by a first lien position on your primary residence. This applies to an owner-occupied home located in CT or MA. Refinance mortgage transactions only; no cash out and not for purchase money. There is a non-refundable one time origination fee of $350. Minimum loan amount is $25,000. Maximum loan amount is $200,000. Maximum loan-to-value is 80%. TVTFCU does not escrow for insurance and/or taxes. Excludes refinance of any TVTFCU loan. Payment example: a $25,000 loan at 4.00% for 60 months would be $460.41 per month. The payments do not include amounts for taxes and insurance premiums. Your interest may be tax deductible, consult your tax advisor.

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* Your rate may vary from the above rates and will be determined by various lending factors.
** TVTFCU will match your car loan rate with a floor of 1.99% apr. Proof of your current car loan rate from another lender is required.
 

 All rates are subject to change without notice.
The monies being loaned out by your credit union, are from the funds deposited by you, your family and your fellow members. This is how your credit union is able to offer these LOW loan rates.