Loans

We know that your loan represents an investment in your life, whether it’s your car, home, or vacation plans. We’re here to help you make the most out of your investment and customize it to your needs.

Automobile Loans

A great auto loan starts with a great rate. Add in flexible terms, quick and easy funding, and a specialized car-buying experience, and you get superior financing courtesy of TFCU.

  • Multiple financing terms available for both auto and motorcycle loans
  • No payments for up to 90 days*
  • Fixed rate financing
  • Debt Protection, Extended Service Contract, and GAP Coverage available**
  • Finance at the dealership and online vehicle searches with AutoSmart
  • Search Carvana with your TFCU pre-approval

VEHICLES & MOTORCYCLES

  • Direct Auto Loan as low as 3.99% Fixed APR*
  • Indirect Auto Loan as low as 5.24% Fixed APR*
Apply for a Loan
Rates are accurate as of December 1, 2018

*Annual Percentage Rate. Rates, terms, and repayment options subject to approval. Ask a TFCU representative for details.
**Vehicle must meet the program’s model year and mileage requirements.

AutoCash

Get a $20 gas card just for visiting the dealership, get a $50 gift card if you finance with TFCU! Download the flyer and take it with you.

AUTOCASH CERTIFICATE

First Wheels

We know that buying your first car was, or will be, one of life’s unforgettable experiences. That’s why we want to make this an exceptional event for our First Time Auto Buyers. We are here to assist you, or someone you know, in any possible way to provide complete satisfaction with this milestone purchase. Our representatives are prepared to make the process as easy and efficient as possible.

Carvana

TFCU’s partnership with Carvana gives you access to an enormous selection of certified used vehicles, allows you to use your TFCU pre-approval to purchase the car, and lets you sit back and watch the magic work.

GO TO CARVANA

AutoSmart

The AutoSmart program allows our members to obtain credit union financing for a new or used vehicle at almost every dealership in Arizona. Just be sure to ask your salesperson for TFCU financing when you shop! Start your search here! You can research new and used vehicles, read vehicle reviews, get tips and get pre-approved for TFCU financing by visiting the AutoSmart website.

Extended Service Contract

An Extended Service Contract protects your vehicle after the factory warranty expires. We offer “bumper to bumper” or exclusionary coverage for your new or used vehicle. Get coverage for car rentals, towing, and roadside assistance while using any licensed mechanic of your choice.

GAP Coverage

Guaranteed Auto Protection (GAP) Coverage provides the difference between the amount you owe and the value of the vehicle, and prevents negative equity in the unfortunate event that the vehicle is damaged beyond economical repair.

Research new and used vehicles, read vehicle reviews, get tips and get pre-approved for TFCU financing by visiting the AutoSmart website.

Recreational Vehicle Loans

Whether you’re looking to explore the country in a new motor home or hit the trails on an all-terrain vehicle, our recreational vehicle loans can turn your travel dreams into reality.

We Finance:

  • Motor homes
  • Travel trailers/5th wheels
  • Self-contained camping trailers
  • Tent trailers
  • Cab-over campers
  • Conversion vans
  • “Toy boxes”
  • All-terrain vehicles

RECREATIONAL VEHICLES

NEW & USED
  • as low as 7.50% Fixed APR*
Apply for a Loan
Rates are accurate as of December 1, 2018

*Annual Percentage Rate. Loans subject to approval.

Mortgages

Home ownership is one of life’s biggest investments. We make it easy whether you’re buying your first home, dream home, or need to refinance.

TFCU partners with Stearns Lending to offer you free pre-approvals on home and investment properties, including a cash out option.

At TFCU you get to customize terms that fit your needs, you get a local representative, and your money stays local!

Schedule your appointment with one of our home loan consultants today; call (520) 795-8520 or visit one of our branch locations. After hours inquires call (800) 200-4889. To apply for a mortgage online, please click here.

For a complete listing of employees registered as Mortgage Loan Originators and their respective National Mortgage Licensing System (NMLS) numbers, please contact us.

Equity Loans

Whether you prefer a fixed rate that won’t change or the flexibility of a Line of Credit to use when you need it – we can help you. With interest rates near historic 30-year lows, now’s a great time to start improvement projects or lower your monthly payment with us.

Home Equity Lines of Credit

  • Low variable rates
  • Flexible loan terms
  • Borrow up to 85% of the equity in your home**
  • Minimum loan amount is $10,000
  • Maximum loan amount is $250,000

HOME EQUITY LINE OF CREDIT

  • PrimeLine Account as low as 6.25% Variable APR*
Rates are accurate as of December 1, 2018

*NMLS ID 462532. Annual Percentage Rate. Loans subject to approval. Rate advertised is for borrowers with FICO scores of 750 or above, and LTV 75% or less. Equal Housing Lender. Contact a TFCU representative for full details.

Home Equity Loans

  • Low fixed rates
  • Multiple financing terms available
  • Borrow up to 85% of the equity in your home**
  • Minimum loan amount is $20,000
  • Maximum loan amount is $250,000

HOME EQUITY LOANS

  • 1st Mortgage as low as 2.99% Fixed APR**
  • 2nd Mortgage as low as 4.99% Fixed APR*
Rates are accurate as of December 1, 2018

*Annual Percentage Rate. Loans subject to approval.
**NMLS ID 462532. Loans subject to approval. Rate advertised is for a 60 month term, for borrowers with FICO scores of 750 or above, and LTV 75% or less. Equal Housing Lender. Contact a TFCU representative for full details.

For Your Convenience

You can tap into your home’s equity fast. Our streamlined application, straight-forward financing, and helpful staff will help you close quickly.

  • For loans or credit limits of $100,000 or less
    • Fund your loan faster without an appraisal
    • Save money by avoiding the standard appraisal fee
    • Determine the value of your home using the Automated Value Model (AVM)

Have the following items handy when applying for your Home Equity Line of Credit or Loan:

  • Proof of income (may include one of the following)
    • Two most recent check stubs and W-2 statement
    • Letter of Award from Social Security and/or Pension
    • Two years most recent Federal Tax Returns
  • Proof of current homeowners insurance (must show dwelling coverage and annual premium)
  • Most recent mortgage statement
  • Copy of 1st Mortgage Note, if applicable

Schedule your appointment with one of our home loan consultants today; call (520) 795-8520 or visit one of our branch locations.

**Less mortgage balance and other liens. See a TFCU Representative for complete details.

For a complete listing of employees registered as Mortgage Loan Originators and their respective National Mortgage Licensing System (NMLS) numbers, please contact us.

Personal Loans

Let your excellent credit give you spendable cash today! Personal loans require no collateral, just your signature!

  • Borrow up to $25,000
  • Multiple financing terms available
  • Fixed rate financing
  • Unsecured loan (no collateral)
  • Requires your signature to secure the loan

Applicant’s credit history and other factors are examined in order to qualify for this type of unsecured loan.

Personal Loans

  • as low as 9.99% Fixed APR*
Apply for a Loan
Rates are accurate as of December 1, 2018

*Annual Percentage Rate. Loans subject to approval.

Protect Your Loan

You have dreams for you and your family – a happy retirement, college plans, or a new car. But have you considered how you or your family would cover your financial obligations, such as the payment on your auto loan, home equity loan or credit card, if you fall victim to an unfortunate event? Debt Protection can help when the unexpected hits.

Loss of Life Protection - Loan Cancelation

Debt Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.

Disability - Payment Cancelation

If you become disabled due to a protected illness or injury, Debt Protection cancels your monthly loan payments, up to the agreement maximum.

Involuntary Unemployment - Payment Cancelation

If you become involuntarily unemployed, Debt Protection cancels your monthly loan payments, up to the agreement maximum.

Levels of Protection

You may select different options of Debt Protection depending on your specific needs. Options vary depending on your loan type, as listed below:

Auto and Personal Loans

Platinum: Loss of Life, Disability, Involuntary Unemployment

Gold: Loss of Life and Disability

Silver: Disability and Involuntary Unemployment

Bronze: Loss of Life-only

Credit Cards

Platinum: Loss of Life, Disability, Involuntary Unemployment

Bronze: Loss of Life-only

With Debt Protection, every eligible member that selects the same option pays the same fee and you only buy enough protection to cover your loan balance. Tying protection directly to your loan means you’ll have exactly the right amount of protection – no more, no less. Benefits include:

  • Protection for your family, collateral and credit rating
  • Simple eligibility requirements
  • Fast, easy enrollment
  • Immediate enrollment for eligible borrowers
  • Convenience; fee can be included in your monthly payment

You can count on Debt Protection to step in when you and your family need help the most. And that means your dreams can go on and on – even when your income doesn’t.

For more information about Debt Protection, ask your loan officer or refer to your member agreement for details.

This is a summary of our Payment Protection program. Enrollment in the program is voluntary and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Debt Protection is a product available through Tucson Federal Credit Union. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your Tucson Federal Credit Union loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICE™ Borrower Security.

Loan Services

Below is information about some of our loan services to meet your financial needs.

WHAT OUR MEMBERS SAY ABOUT US
TFCU always has my best interests at heart. They helped me consolidate and solidify my financial future. - Ana T.
Theresa was amazing and did a perfect job getting my loan ready with amazing service. - Kelly R.
I have been a member of TFCU since 1968 and it is “better than a bank.” All of my loans have been through TFCU. Thank you TFCU. - Ralph P.
Thank you for helping, guiding, and supporting me during this refinance. - Mary O.
TFCU has been diligent and professional in all the steps of our loan process. - Jeffrey K.