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Annual percentage yields offered as of March 13, 2024. Rates may change after account is opened. Although dividends are based on the Credit Union's earnings at the end of each dividend period and cannot be guaranteed, the Credit Union projects sufficient earnings to pay these projected rates. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Certificate rates are set for the term of the account.

Checking Accounts Learn More

Account ** Dividend Rate (APR) Annual Percentage Yield (APY)
TVFCU Perks Platinum Checking 0.50% 0.50%
TVFCU Perks Plus 0.25% 0.25%

**The checking account types listed below are no longer available for new account openings:
Seniors Choice Checking  0.05/0.05APY (up to 0.15 APY FOR TROPHY LEVEL)
Rewards Checking 0.05/0.05 APY (up to 0.15 APY FOR TROPHY LEVEL)

Savings Accounts Learn More

Account Dividend Rate APY
Share Accounts 0.30% 0.30%
Club Accounts 0.30% 0.30%
Christmas Club Accounts 0.30% 0.30%
Health Savings Accounts (HSAs) 0.45% 0.45%

Money Market Accounts Learn More

Balance Dividend Rate APY
$2,500 - $9,999 2.47% 2.50%
$10,000 - $24,999 2.52% 2.55%
$25,000 - $49,999 2.67% 2.70%
$50,000 - $99,999 2.91% 2.95%
$100,000 and above 2.96% 3.00%

 

$2,500 minimum balance is required to earn dividends on Money Market Accounts.

Share/IRA Certificates (CDs) Learn More

Term Dividend Rate APY
6 Months*  5.00% 5.06%
10 Months Special***  5.25% 5.25%
12 Months* 5.00% 5.09%
18 Months*  5.00% 5.09%
24 Months*  5.00% 5.09%
30 Months*  5.00% 5.09%
60 Months*  4.43% 4.50%

 

*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

*** $10,000 Minimum balance.  Dividend pays at maturity. CD will renew at the 12 month rate at time of renewal.

Individual Retirement Accounts (IRAs) Learn More

Balance Dividend Rate APY
Less than $10,000 2.47% 2.50%
$10,000 – $24,999 2.52% 2.55%
$25,000 – $49,999 2.67% 2.70%
$50,000 – $99,999 2.91% 2.95%
$100,000 + 2.96% 3.00%

Business Share & Club Accounts

Account Dividend Rate APY
Share & Club 0.30% 0.30%

Business Share Draft Accounts

Account Dividend Rate APY
Small Business Checking with Dividends 0.05% 0.05%
Commercial Checking 0.05% 0.05%

Business Money Market Accounts

Balance Dividend Rate APY
$2,500 – $9,9999 2.47% 2.50%
$10,000 – $24,999 2.52% 2.55%
$25,000 – $49,999 2.67% 2.70%
$50,000 – $99,999 2.91% 2.95%
$100,000 – $149,999 2.96% 3.00%
$150,000 – $199,999 3.01% 3.05%
$200,000+ 3.06% 3.10%

 

$2,500 minimum balance is required to earn dividends on Money Market Accounts.

Business Share Certificates

Term Dividend Rate APY
6 Months*  5.00% 5.06%
12 Months*  5.00% 5.09%
18 Months*  5.00% 5.09%
24 Months*  5.00% 5.09%
30 Months*  5.00% 5.09%
60 Months* 4.43% 4.50%
10 months Special*** 5.25% 5.25%APY

*$1,000 minimum opening deposit required. A penalty applies for early         withdrawal.

***$10,000 Minimum balance. Dividend pays at maturity. CD will renew at       the 12 month rate at time of renewal.

Home Equity Loans Learn More

APR
Please visit the TVFCU Mortgage Center for a rate estimate here.

Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, contact us at 423-634-3667 or speak with your area Mortgage Originator.

Home Equity Lines of Credit (HELOCs) Learn More

APR
Please visit the TVFCU Mortgage Center for a rate estimate here.

Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, contact us at 423-634-3667 or speak with your area Mortgage Originator.

New Cars & Trucks Learn More

Mileage

Term

APR

Within 3 most recent model years and less than 25,000 miles1

48 months or less

 6.24% to 14.14% 

Within 3 most recent model years and less than 25,000 miles 1

49 - 63 months

 6.24% to 16.14% 

Within 3 most recent model years and less than 25,000 miles1

64 - 75 months

 6.44% to 17.54% 

Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)2

76 - 84 months

 7.84% to 13.24% 

All rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Proof of insurance is required with $1,000 deductible standard.

1For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00.

2For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500

Used Cars & Trucks Learn More

Mileage

Term

APR

25,000 - 99,999 miles1

48 months or less

6.84% to 13.84%

25,000 - 99,999 miles1

49 to 63 months

7.14% to 16.84%

25,000 - 99,999 miles1

64 to 75 months

7.44% to 17.84%

25,000 - 99,999 miles1

76 to 84 months

8.44% to 14.14%

 

 

 

Greater than 100,000 miles but less than 150,000 miles2

48 months or less

9.34% to 17.54%

Greater than 100,000 miles but less than 175,000 miles2

49 to 60 months

9.54% to 18.00%

Greater than 100,000 miles but less than 175,000 miles2

61 to 72 months

10.04% to 18.00%

1For qualified borrowers, the Credit Union can finance up to 135% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76-84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00.

2For qualified borrowers, the Credit Union can finance up to 100% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP.  61-72 months requires NADA retail value greater than $12,500.00 (Down payment required at Credit Union discretion)

New Motorcycles Learn More

Term APR
36 months 7.49% to 12.99%
48 months 7.99% to 13.49%
60 months 8.49% to 13.99%
72 months 8.99% to 11.99%
84 months 9.49% to 12.49%

2021 - 2023 model year (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of MSRP (plus tax, tag, and warranty). Dealer discounts not accepted as down payments. Warranty up to $1,200. $10,000 minimum for 72 and 84 months.

Used Motorcycles Learn More

Term APR
36 months 8.49% to 13.49%
48 months 8.99% to 13.99%
60 months 9.49% to 14.49%
72 months 9.99% to 10.99%

2017 model year and newer (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Dealer discounts not accepted as down payments. $10,000 minimum for 72 months.

New Boats Learn More

Amount Term APR
$9,999 or less up to 60 Months 6.74% to 16.74%
$10,000 to $24,999 from 61 to 120 Months 7.04% to 15.74%
$25,000 to $49,999 from 121 to 144 Months 7.24% to 12.04%
$50,000 or higher from 145 to 180 Months 8.24% to 11.74%

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).

New Motorhomes Learn More

Amount Term APR
$9,999 or less $9,999 or less up to 60 Months 6.74% to 16.74%
$10,000 to $24,999 $10,000 to $24,999 from 61 to 120 Months 6.84% to 15.74%
$25,000 to $49,999 $25,000 to $49,999 from 121 to 144 Months 7.04% to 11.04%
$50,000 or higher $50,000 or higher from 145 to 180 Months 7.94% to 10.74%

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).

New Travel Trailers & Campers Learn More

Amount Term APR
$9,999 or less $9,999 or less up to 60 Months 7.74% to 13.49%
$10,000 to $24,999 $10,000 to $24,999 from 61 to 120 Months 7.99% to 13.74%
$25,000 to $49,999 $25,000 to $49,999 from 121 to 144 Months 8.24% to 11.99%
$50,000 or higher $50,000 or higher from 145 to 180 Months 8.49% to 11.74%

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).

Used Boats, Motorhomes, Travel Trailers & Campers Learn More

Amount Term APR
$9,999 or less up to 60 Months 10.74% to 13.99%
$10,000 to $24,999 from 61 to 120 Months 10.49% to 13.74%
$25,000 to $49,999 from 121 to 144 Months 10.24% to 12.99%
$50,000 or higher from 145 to 180 Months 9.99% to 12.74%

For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (plus tax, tag, and license)

ATVs, Jet Skis, Computer, Home Electronics & Other Collateral Learn More

Term APR
24 months 10.49% to 18.00%
36 months 10.74% to 18.00%
48 months 10.99% to 18.00%
60 months 11.24% to 18.00%

For qualified borrowers: New computers and home electronics up to 100% retail, new ATVs and jet skis up to 75% MSRP, new or used other collateral up to 75% NADA used trade-in value (tax, tag, and warranty included in percentages).

Personal Loans Learn More

Loan Type Term APR
Personal Term Loan 24 Months 10.99% to 18.00%
Personal Term Loan 36 Months 10.99% to 18.00%
Personal Term Loan 48 Months 10.99% to 18.00%
Personal Term Loan 60 Months 10.99% to 18.00%
Secured Loans Varied Loan APR is determined by adding 2% to the dividend rate you are earning on the share account that will be secured for the loan.

Rates vary daily. For current rates, please contact us.

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