Loans Savings Checking Certificate of Deposit Rates Mortgages
Loan Rates
| Autos | APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To |
|---|---|---|---|
| 2021 and Newer 1 | 6.25% | 6.00% | 48 Mo. |
| 6.50% | 6.25% | 60 Mo. | |
| 6.75% | 6.50% | 72 Mo. | |
| 2017-2020 1 | 6.50% | 6.25% | 48 Mo. |
| 6.75% | 6.50% | 60 Mo. | |
| 7.25% | 7.00% | 72 Mo. | |
| 2013-2016 1 | 7.50% | 7.25% | 36 Mo. |
| 7.75% | 7.50% | 48 Mo. | |
| 8.00% | 7.75% | 60 Mo. | |
| 8.25% | 8.00% | 72 Mo. | |
| 2012 & Older1 | 8.75% | 8.50% | 36 Mo. |
| 9.25% | 9.00% | 48 Mo. (max term without approval) | |
| Classic Auto Loans1,2 | 7.25% | 7.00% | 48 Mo. |
| 7.75% | 7.50% | 60 Mo. | |
| 8.25% | 8.00% | 72 Mo. | |
| Boats and Recreational Vehicles (RVs) | APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To |
| 2015 & Newer | 6.25% | 6.00% | Up to 72 Mo. |
| 6.75% | 6.50% | 72 Mo. Balloon with 120 Amortization | |
| 7.00% | 6.75% | Up to 120 Mo. | |
| 8.00% | 7.75% | 120 Mo. Balloon with 180 Amortization ($30k plus only for qualified borrowers) | |
| 9.00% | 8.75% | 180 Mo. ($30k plus only for qualified borrowers) | |
| 2014 & Older | 8.25% | 8.00% | 80% LTV and 60 Mo. max term *Additional rates and terms available for larger value RVs regardless of age. Please inquire with a TBACU team member for further details. |
| 9.25% | 9.00% | Up to 120 Mo. ($30K plus only) | |
| Motorcycle/ATV | APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To |
| 2016 & Newer | 7.25% | 7.00% | 48 Mo. |
| 7.75% | 7.50% | 60 Mo. | |
| 8.25% | 8.00% | 72 Mo. | |
| 2015 & Older | 9.25% | 9.00% | 48 Mo. |
| Mortgages | |||
| View Mortgage Rates | |||
| Home Equity | APR^As Low As | ||
| Home Equity Line of Credit | 7.75% | ||
| Home Equity Fixed | 7.50% | 5 year fixed rate | |
| Other Loans | APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To |
| Bike Loan | 8.25% | 8.00% | 60 Mo.-$300 minimum amount to finance |
| New/Used UCC Items | 8.25% | 8.00% | 60 Mo. |
| Unsecured: Ultraline 3 | 10.338% | Variable | |
| Unsecured: Cover Your Account (CYA) Line3 | 16.90% | Fixed | |
| Unsecured: Personal Loan | 9.75% | 9.50% | Up to 24 Mo. |
| 10.75% | 10.50% | 36 Mo. | |
| 11.75% | 11.50% | 60 Mo. | |
| VISA Credit Card | 12.90% |
^*Qualifications may apply. Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings. Penalty applies for early withdrawal. Rates are effective as of July 16th, 2025. Rates are the same for IRA and HSA CDs. Rates subject to change without notice
Auto Loan Calculator
Savings Rates
| Savings | Rate | APY^ |
|---|---|---|
| $1 - $999 | 0.05% | 0.05% |
| $1,000 - $9,999 | 0.10% | 0.10% |
| $10,000+ | 0.10% | 0.10% |
| Other Savings | Rate | APY^ |
| Traditional IRA Shares | 0.40% | 0.40% |
| Roth IRA Shares | 0.40% | 0.40% |
| Tax Deferred Compensation for School Employees | 0.60% | 0.60% |
| Health Savings Account | 0.10% | 0.10% |
^*Annual Percentage Yield. Qualifications may apply. Rates subject to change without notice. Rates effective as of July 16th, 2025
Checking Rates
| Cash Reward Account | Rate | APY^ |
|---|---|---|
| $1-$10,000 | 5.00% | 5.12%1 |
| Money Market Account | Rate | APY^ |
| $2,500 - $24,999 | 0.75% | 0.75% |
| $25,000 -$99,999 | 1.25% | 1.26% |
| $100,000+ | 2.25% | 2.27% |
*Annual Percentage Yield. Rates as of July 16th, 2025. 1Rate subject to change. Interest not paid on balances over $10,000. No minimum balance or opening deposit required. Some requirements apply, if requirements are not met there are no penalty fees
Certificate of Deposit Rates
Ask about or local CD matching rate program*
| Rate | APY^ | With Direct Deposit | APY | |
|---|---|---|---|---|
| 6 Month- $500 Minimum | 3.40% | 3.45% | 3.60% | 3.65% |
| 6 Month Add-On CD - $250 Minimum | 2.75% | 2.78% | 2.95% | 2.98% |
| 12 Month- $500 Minimum | 3.30% | 3.34% | 3.50% | 3.55% |
| 24 Month- $500 Minimum | 3.00% | 3.03% | 3.20% | 3.24% |
| 36 Month- $500 Minimum | 3.00% | 3.03% | 3.20% | 3.24% |
| 48 Month- $500 Minimum | 3.00% | 3.03% | 3.20% | 3.24% |
| 60 Month- $500 Minimum | 3.00% | 3.03% | 3.20% | 3.24% |
| Direct Deposit Rate: 0.20% | ||||