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 (indoor/outdoor furniture and appliances)
  • Playground sets
  • Firepit tables
  • Gaming tables
  • Massage chairs
  • Grills
  • Portable generators
  • Computers
  • Trailers
  • Lawn mowers
  • Farm equipment
  • Musical instruments
  • Special needs equipment
  • Electric vehicles (street legal low speed vehicles for LSVs)
  • Golf carts, non-titled scooters, and bicycles
  • HVAC Units
  • Saunas
  • Installed Generators
  • Decks
  • Fencing
  • Landscaping
  • Pergola’s
  • Hot water tank (including tankless water heaters)
  • Water softener
  • Water purification systems
  • Hot tubs/spas/pools/swim spas up to $50,000
  • Horse trailers (without living quarters) up to $75,000
  • Tractors/skid steers (separate rates below)
  • Storm Shelters (separate rates below)

Secured Rates (Effective 7/1/2025 – Until Further Notice)

Other Secured Loans on items above are available up to $35,000 for qualified members.  Hot tubs/spas/pools/swim spas are available up to $50,000 and horse trailers (without living quarters) up to $75,000.

Rates disclosed below are annual percentage rates (APR)

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

Fixed: Rates range between 7.49% APR to 15.49% APR with terms up to 120 months. Rates are based on member’s credit history and term requested.

Secured Rates for Tractors and Skid Steers

Other Secured Loans on Tractors and skid steers are available up to $75,000 for qualified members.

Fixed: Rates range between 7.49% APR to 16.49% APR with terms up to 120 months. Rates are based on member’s credit history and term requested.

Example Transactions for Secured Loans & Rates:
Purchase Price5,000.0093,750.00
Amount Financed5,000.0075,000.00
Term (Months)60120
Loan to Value100%80%
Down Payment0.0018,750.00
APR7.49%16.49%
Fixed or VariableFixedFixed
Monthly Payment100.171,280.17
Total Repayment6,010.04153,618.53
Payment Per $1,000.0020.0417.07

Secured Rates for Storm Shelters

Other Secured Loans on Storm Shelters are available. UCC-1AD is required.

Fixed: Rates range between 3.99% APR for all credit tiers with terms up to 60 months. Terms are determined by the amount financed.

Example Transactions for Secured Loans & Rates:
Amount Financed2,000.005,000.00
Term (Months)2460
Loan to Value100%100%
Down Payment0.000.00
APR3.99%3.99%
Fixed or VariableFixedFixed
Monthly Payment86.8592.07
Total Repayment2,084.325,524.15
Payment Per $1,000.0043.4318.42