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, tractors, lawn mowers, farm equipment, horse trailers (without living quarters)
  • 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
  • Swim Spas
  • Hot tubs/spas
  • Hybrid and above ground pools
  • Tractors (separate rates below)

Secured Rates (Effective 3/1/2024 – Until Further Notice)

Other Secured Loans on items above are available up to $35,000 for qualified members.

Rates disclosed below are annual percentage rates (APR)

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

Fixed: Rates range between 7.99% 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

Other Secured Loans on Tractors are available up to $50,000 for qualified members.

Fixed: Rates range between 7.99% 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 Price5,000.0050,000.00
Amount Financed5,000.0050,000.00
Term (Months)60120
Loan to Value100%80%
Down Payment0.0012,500.00
APR7.99%16.49%
Fixed or VariableFixedFixed
Monthly Payment122.05853.20
Total Repayment5,858.32102,381.86
Payment Per $1,000.0024.4217.07

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