Current rates
Auto & recreational vehicle loans
All interest rates and annual percentage rates (APR) are current as of today’s date.
Auto loan rates
| Loan term1,2 | Vehicle model year 2020 – 2024 | Vehicle model year 2014 – 2019 | Vehicle model year 2013 and older |
| Up to 36 monthly payments | APR as low as 6.24% | APR as low as 6.99% | APR as low as 8.24% |
| 48 monthly payments | APR as low as 6.49% | APR as low as 7.24% | Not Available |
| 60 monthly payments | APR as low as 6.74% | APR as low as 7.49% | Not Available |
| 72 monthly payments | APR as low as 6.74% | APR as low as 7.49% | Not Available |
| 84 monthly payments ($50,000 min) | APR as low as 7.49% | APR as low as 8.24% | Not Available |
Recreational vehicle loans
Boats, motorcycles and luxury trailers2
Model Years | APR As Low As (%) | Term (Months) |
2023 – 2024 | 7.24 | 36 (up to 120 available) |
2017 – 2022 | 8.49 | 36 (up to 120 available) |
Other collateral2 (ATV's, Snowmobiles, Personal Watercraft, Campers)
Model Years | APR As Low As (%) | Term (Months) |
2023 – 2024 | 7.24 | 36 (up to 120 available) |
2017 – 2022 | 8.49 | 36 (up to 120 available) |
This page was last updated on April 1, 2024.
APR is Annual Percentage Rate.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
Must qualify for membership.
1 First payment may be deferred up to 90 days, but interest will continue to accrue during the deferred payment period. Example: A 3-year (36 month) $20,000 loan with a rate of 6.24% that closes on February 1, 2024, will have 34 payments of $649.92 beginning on May 1, 2024. For new or used consumer auto (cars and trucks) loans on purchases or refinances of current TCU loans or loans at another financial institution. This offer does not apply to business loans or other vehicles such as motorcycles and motorhomes. Your eligibility for this offer and the actual Annual Percentage Rate (APR) is based on your term, payment method, credit history and other credit qualifications. This offer is subject to end at any time without notice.
2 Your rate will be determined based on payment method, account relationship, credit score, term and collateral. Rate(s) listed reflect a .50% loan discount.
Payment examples:
2020-2024 auto loans
A $20,000 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 36 months equates to a monthly principal and interest payment of $610.62.
A $20,000 auto loan with a simple interest rate of 6.49% and a corresponding APR of 6.49% for 48 months equates to a monthly principal and interest payment of $474.21.
A $20,000 auto loan with a simple interest rate of 6.74% and a corresponding APR of 6.74% for 60 months equates to a monthly principal and interest payment of $393.58.
A $20,000 auto loan with a simple interest rate of 6.74% and a corresponding APR of 6.74% for 72 months equates to a monthly principal and interest payment of $338.49.
A $50,000.01 auto loan with a simple interest rate of 7.49% and a corresponding APR of 7.49% for 84 months equates to a monthly principal and interest payment of $766.83.
2014-2019 auto loans
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 36 months equates to a monthly principal and interest payment of $617.45.
A $20,000 auto loan with a simple interest rate of 7.24% and a corresponding APR of 7.24% for 48 months equates to a monthly principal and interest payment of $481.15.
A $20,000 auto loan with a simple interest rate of 7.49% and a corresponding APR of 7.49% for 60 months equates to a monthly principal and interest payment of $400.66.
A $20,000 auto loan with a simple interest rate of 7.49% and a corresponding APR of 7.49% for 72 months equates to a monthly principal and interest payment of $345.71.
A $50,000.01 auto loan with a simple interest rate of 8.24% and a corresponding APR of 8.24% for 84 months equates to a monthly principal and interest payment of $785.48.
2013 and older auto loans
A $20,000 auto loan with a simple interest rate of 8.24% and a corresponding APR of 8.24% for 36 months equates to a monthly principal and interest payment of $628.94.
2023-2024 boat, motorcycle or trailer
A $20,000 boat loan with a simple interest rate of 7.24% and a corresponding APR of 7.24% for 36 months equates to a monthly principal and interest payment of $619.74.
2017-2022 boat, motorcycle or trailer
A $20,000 boat loan with a simple interest rate of 8.49% and a corresponding APR of 8.49% for 36 months equates to a monthly principal and interest payment of $631.26.
2023-2024 ATV's, snowmobiles, personal watercraft, campers
A $10,000 personal watercraft loan with a simple interest rate of 7.24% and a corresponding APR of 7.24% for 36 months equates to a monthly principal and interest payment of $309.87.
2017-2022 ATV's, snowmobiles, personal watercraft, campers
A $10,000 personal watercraft loan with a simple interest rate of 8.49% and a corresponding APR of 8.49% for 36 months equates to a monthly principal and interest payment of $315.63.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
Must qualify for membership.
1 First payment may be deferred up to 90 days, but interest will continue to accrue during the deferred payment period. Example: A 3-year (36 month) $20,000 loan with a rate of 6.24% that closes on February 1, 2024, will have 34 payments of $649.92 beginning on May 1, 2024. For new or used consumer auto (cars and trucks) loans on purchases or refinances of current TCU loans or loans at another financial institution. This offer does not apply to business loans or other vehicles such as motorcycles and motorhomes. Your eligibility for this offer and the actual Annual Percentage Rate (APR) is based on your term, payment method, credit history and other credit qualifications. This offer is subject to end at any time without notice.
2 Your rate will be determined based on payment method, account relationship, credit score, term and collateral. Rate(s) listed reflect a .50% loan discount.
Payment examples:
2020-2024 auto loans
A $20,000 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 36 months equates to a monthly principal and interest payment of $610.62.
A $20,000 auto loan with a simple interest rate of 6.49% and a corresponding APR of 6.49% for 48 months equates to a monthly principal and interest payment of $474.21.
A $20,000 auto loan with a simple interest rate of 6.74% and a corresponding APR of 6.74% for 60 months equates to a monthly principal and interest payment of $393.58.
A $20,000 auto loan with a simple interest rate of 6.74% and a corresponding APR of 6.74% for 72 months equates to a monthly principal and interest payment of $338.49.
A $50,000.01 auto loan with a simple interest rate of 7.49% and a corresponding APR of 7.49% for 84 months equates to a monthly principal and interest payment of $766.83.
2014-2019 auto loans
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 36 months equates to a monthly principal and interest payment of $617.45.
A $20,000 auto loan with a simple interest rate of 7.24% and a corresponding APR of 7.24% for 48 months equates to a monthly principal and interest payment of $481.15.
A $20,000 auto loan with a simple interest rate of 7.49% and a corresponding APR of 7.49% for 60 months equates to a monthly principal and interest payment of $400.66.
A $20,000 auto loan with a simple interest rate of 7.49% and a corresponding APR of 7.49% for 72 months equates to a monthly principal and interest payment of $345.71.
A $50,000.01 auto loan with a simple interest rate of 8.24% and a corresponding APR of 8.24% for 84 months equates to a monthly principal and interest payment of $785.48.
2013 and older auto loans
A $20,000 auto loan with a simple interest rate of 8.24% and a corresponding APR of 8.24% for 36 months equates to a monthly principal and interest payment of $628.94.
2023-2024 boat, motorcycle or trailer
A $20,000 boat loan with a simple interest rate of 7.24% and a corresponding APR of 7.24% for 36 months equates to a monthly principal and interest payment of $619.74.
2017-2022 boat, motorcycle or trailer
A $20,000 boat loan with a simple interest rate of 8.49% and a corresponding APR of 8.49% for 36 months equates to a monthly principal and interest payment of $631.26.
2023-2024 ATV's, snowmobiles, personal watercraft, campers
A $10,000 personal watercraft loan with a simple interest rate of 7.24% and a corresponding APR of 7.24% for 36 months equates to a monthly principal and interest payment of $309.87.
2017-2022 ATV's, snowmobiles, personal watercraft, campers
A $10,000 personal watercraft loan with a simple interest rate of 8.49% and a corresponding APR of 8.49% for 36 months equates to a monthly principal and interest payment of $315.63.