Loan Rates

 

TOPCU offers a variety of loan products designed to help you achieve your financial goals.

We’re here to help, whether it’s for that motorcycle you’ve always wanted or home improvements, or simply a little breathing room for unexpected expenses. Our loan programs include financing for new and used cars, motorcycles, recreation vehicles, vacations, credit cards, mortgages and home equity loans.

TOPCU is also the leading credit union in Tucson to offer unique financing programs for Solar and other Eco-friendly “Green” products, working hard to make environmental responsibility affordable. We also offer Business loans to help re-invest in our community.

Vehicle Loan Rates

Term APR Payment per $1,000 Borrowed
0-36 Months as low as 2.49%*  $28.86/month
37-48 Months as low as 2.74%*  $22.03/month
49-60 Months as low as 3.24%*  $18.08/month
61-72 Months as low as 3.49%*  $15.42/month
73-84 Months as low as 3.99%*  $13.67/month
     

APR = Annual Percentage Rate. *Subject to credit approval. Includes Member Rewards discounts, up to maximum total discount of 0.25%.  Rates are current as of January 19th, 2018.

Home Loan Rates

Type/Term APR Payment per $1,000 Borrowed**

First Mortgages

View
Centennial Lending
 
Fixed-Rate Home Equity Loan (Second Mortgage)

  • $25,000 Minimum 
as low as 7.00%* $11.62/month
Variable-Rate Home Equity
Line of Credit (HELOC)**

  • $25,000 Minimum 
  • First Advance $10,000 Minimum
  • Subsequent Advance Minimum $10,000
as low as 5.50%* $6.89/month
     

APR = Annual Percentage Rate. *Subject to credit approval. **Minimum payment is lessor of $50 or balance owed. All fees paid at closing; no additional transaction fees once funded. Rates are current as of January 19th, 2018.  

Signature Loans & Lines of Credit

Type/Term APR Payment for $1,000 Borrowed
Signature Loans
0-36 Months as low as 9.25%*  $31.92/month
37-60 Months as low as 9.74%*  $21.13/month
61-78 Months as low as 10.25%*  $17.62/month
 
Personal Line of Credit as low as 9.74%* Payment amount is 2.83% of the outstanding balance with a minimum of $15.

APR = Annual Percentage Rate. *Subject to credit approval and includes Member Rewards loan discounts where applicable. Rates are current as of January 19th, 2018.

VISA Credit Card Rates

Card Type APR
Platinum Introductory rate 2.99% for first 6 months;
Non-Variable rate after introductory period from 8.99% to 19.99% APR
Platinum Rewards Introductory rate 2.99% for first 6 months;
Non-Variable rate after introductory period from 9.99% to 20.99% APR
Platinum Youth 15.99%
Platinum Secured 19.99%

APR = Annual Percentage Rate. Subject to credit approval. Additional fees may apply. Rates are current as of January 19th, 2018.

Green Loan Rates

Type/Term APR Payment per $1,000 Borrowed
Solar Loans
10-Year as low as 5.74%*  $10.98/month
15-Year
Minimum loan amount of $10,000
as low as 5.74%*  $8.31/month
10-Year Balloon
(with 20-year amortization)
Minimum loan amount of $10,000
as low as 5.99%*  $7.17/month
Energy Efficient Loans
60 Months as low as 5.99%*  $19.33/month
Bike Loans
24 Months as low as 7.25%*  $44.89/month

APR = Annual Percentage Rate. *Subject to credit approval. Rates are current as of January 19th, 2018.