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Loans

We have competitive rates and repayment terms that meet your personal budget needs!

Call: 616.842.6320

Loans

Whether it´s a new or used car loan, home equity loan, or a mortgage – the interest rates and repayment terms at Tri-Cities Credit Union will fit into your financial plans. We have a wide range of loans ready to meet your financial needs.
APPLY FOR A LOAN NOW!

*Note: Fees may reduce earnings. Please see our Fee Schedule for more information.

 
Loan Rates – Effective Saturday, December 21, 2024
Loan TypeRates as low asTerms & Information
NEW CAR UP TO $15K » 6.09% 60 M 60 Month Max
NEW CAR $15-20K » 6.09% 66 M 66 Month Max
NEW CAR $20K & UP » 6.09% 72 M 72 Month Max
USED CAR $5-10K » 6.09% 48 M 48 Month Max
USED CAR $10-15K » 6.09% 60 M 60 Month Max
USED CAR $15-20K » 6.09% 66 M 66 Month Max
USED CAR $20K & UP » 6.09% 72 M 72 Month Max
SHARE SECURED LOAN » 6.25% 24 M 60 Month Max
OVERDRAFT LOC » 18% 240 M
PERSONAL 36 MONTH » 12.59% 36 M Up to 36 Months
PERSONAL 48 MONTH » 12.59% 48 M 37 – 48 Months
PERSONAL 60 MONTH » 14.18% 60 M 49 – 60 Months
NEW REC VEHICLE UP TO $5K » 7.59% 36 M 36 Month Max
NEW REC VEHICLE $5-10K » 7.59% 60 M 60 Month Max
NEW REC VEHICLE $10-15K » 7.59% 84 M 84 Month Max
NEW REC VEHICLE $15K & UP » 7.59% 120 M 120 Month Max
USED REC VEHICLE UP TO $5K » 7.59% 36 M 36 Month Max
USED REC VEHICLE $5-15K » 7.59% 60 M 60 Month Max
USED REC VEHICLE $15K & UP » 7.59% 84 M 84 Month Max, $40k and up may go up to 120 Month Max
HOME EQUITY – FIXED RATE » 7.75% 120 M 120 Month Max
HOME EQUITY LOC » 7.75% 180 M 180 Month Max
TERM NOTES » 8.25% 1 P up to 90 Days Max
VISA CLASSIC » 11.5% 60 M
VISA PLATINUM » 9.5% 60 M
HOLIDAY LOAN SPECIAL » 7.99% 12 M 12 Month Max

All loan rates are Annual Percentage Rate (APR). All Tri-Cities Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

*APR is Annual Percentage Rate and can vary based on creditworthiness and terms. Rate is subject to change without notice. Payment Example: Borrow $20,000 at 6.29% APR for 66 months = $359.28/month. Model year 2018 or newer. Membership Eligibility Requirements.

New & Used Auto Loans

TCCU can make buying a car simple by offering pre-approvals. That way you can avoid negotiating with the dealer on financing and can concentrate on getting a better deal on your car. With competitive rates, 100% financing, and no application fees, why would you go anywhere else?

New and Used Auto Loans

TCCU can make buying a car simple by offering pre-approvals.  That way you can avoid negotiating with the dealer on financing and can concentrate on getting a better deal on your car.  With competitive rates, 100% financing, and no application fees, why would you go anywhere else?

New & Used Recreational Vehicle Loans

Whether you want to see the country in your RV or spend weekends on the lake in that boat you have always wanted...Tri Cities Credit Union can make that dream possible! We´ll float you a loan with a competitive rate and repayment terms that fit your budget.

Mortgages

Mortgages are available directly through Tri-Cities Credit Union OR our affiliation with Member Mortgage. Call JoAnn Pugh in the mortgage department directly at 616-481-2654.
Online Mortgage Applications

Let Tri-Cities help you finance your dream home!

We offer mortgages for first-time home buyers, as well as refinances. Our mortgage loan officer, JoAnn Pugh, can help explain the process and get you started today!

JoAnn is available by appointment only at our branch. To set up an appointment or get some questions answered, call JoAnn’s direct line at 616-481-2654.

JoAnn Pugh NMLS: 168895

Tri-Cities CU NMLS: 746427

Unsecured/Personal Loans

Your signature is all the security you need for a low-cost loan that can be used for anything you want…from buying a new computer to taking your dream vacation!

Life happens, let Tri-Cities Credit Union help!

We offer unsecured loans up to $10,000 for your personal needs. From Holiday loans to those unexpected car repairs, we are able to help! Rates are as low as 11.59% APR*. The process is simple and quick. We can have your loan approved & you can walk out the door with your cash in the same day!

Contact our friendly loan staff for more information!

Loan Type:Rates as low as:
Personal – up to 36 months:11.59%
Personal – up to 48 months:12.59%
Personal – up to 60 months:13.59%

*APR = Annual Percentage Rate. Rate may be higher or lower, depending on credit score and applicable rate discounts.

Contact Us

 

Home Equity Loans

Turn the equity in your home into cash to meet many purposes! Homeowners can borrow up to 80% of the appraised value of their homes. Call us for more details.

Use the funds from your Home Equity Loan for some of life’s bigger expenses!

A home equity loan with TCCU makes it possible to take a family vacation, complete those much needed home improvements or consolidate high interest debt. We offer both Fixed Home Equity loans and Home Equity Line of Credit options. As the homeowner, you can borrow up to 80% of the appraised value of the home.

Apply Online Today or fill out the form below and our lending department will contact you!

Mae Wildey NMLS: 1206908

Tri-Cities CU NMLS: 746427

VISA Credit Card

A Visa Platinum or Classic Credit Card from TCCU gives you all the convenience and worldwide acceptance of the most recognized name in credit cards, but at a much lower cost than other card issuers. Click the button below to download, print and fill out the application! Then mail or drop off the form with your two most recent pay stubs to get the process started!
APPLY FOR A VISA NOW!

Lost or Stolen Visa Credit Card?

Call 1-800-828-3901 to limit your liability!

Visa Classic

With our Visa Classic, the interest rate is 11.50% APR*. Credit limits are available up to $5,000.

  • No Annual Fee
  • No Balance Transfer Fee
  • Low Monthly Payments

Visa Platinum

With our Visa Platinum, the interest rate is 9.50% APR*. Credit Limits start at $3,000 and are available up to $15,000.

  • No Annual Fee
  • No Balance Transfer Fee
  • Low Monthly Payments
  • Earn reward points for every $1 you spend!

If you are looking to redeem your points for merchandise or travel credit, visit ScoreCard Rewards to browse the catalog and place your order!

  • *APR = Annual Percentage Rate. The APR is Tri-Cities Credit Union’s current rate as of January 1, 2023. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Tri-Cities Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify. Call us at (616) 842-6320 for current rates, terms and conditions.

Refinancing

If you have an auto, home or personal loan at another financial institution, you can save money by refinancing at TCCU. We match competitor’s rates (with documentation.)

Credit Life & Disability Insurance

Payment protection is available on many loans at an additional cost. This protection provides payment if the borrower or joint borrower dies or becomes disabled during the term of the loan. For complete details, talk with one of our loan officers.

Additional Loan Services

  • Term Notes
  • Share Secured
  • Revolving Credit Line

OUR HOURS

Photograph on the Tri-Cities Credit Union sign in a parking lot.

LOBBY

Monday:
9:00 AM-5:15 PM
Tuesday:
10:00 AM-5:15 PM
Wednesday – Friday:
9:00 AM-5:15 PM

DRIVE THRU

Monday:
8:30 AM-5:15 PM
Tuesday:
10:00 AM-5:15 PM
Wednesday – Friday:
8:30 AM-5:15 PM
Saturday:
8:30 AM-12:00 PM

ATM Locations

Surcharge-free access to your money, almost anywhere!

CO-OP’s nearly 30,000 ATMs means you have more direct, surcharge-free* access to your money than most traditional bank customers do.
Find a CO-OP Network ATM