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.

AUTO LOANS

Term APR as low as Payment per $1,000 Borrowed
0-36 Months 7.35%*  $29.30/month
37-48 Months 7.35%*  $22.65/month
49-60 Months 7.65%*  $18.76/month
61-72 Months 8.35%*  $16.10/month
73-84 Months 9.05%*  $14.37/month

APR = Annual Percentage Rate. *Subject to credit approval based on purchase of new auto. Rates are subject to change without notice. Includes Member Rewards discounts, up to maximum total discount of 0.25%.

Mortocycle / ATV Offroad Vehicles

Term APR as low as Payment per $1,000 Borrowed
0-36 Months 8.40%*  $30.33/month
37-48 Months 8.45%*  $23.44/month
49-60 Months 8.50%*  $19.29/month
61-72 Months 9.10%*  $16.67/month
73-84 Months 9.65%*  $14.85/month

APR = Annual Percentage Rate. *Subject to credit approval based on purchase of new unit. Rates are subject to change without notice. Includes Member Rewards discounts, up to maximum total discount of 0.25%.

Signature Personal loan

Type/Term APR as low as Payment for $1,000 Borrowed
Signature Loans
0-36 Months 10.50%*  $32.50/month
37-60 Months 10.99%*  $21.74/month
61-78 Months 11.50%*  $18.26/month
Personal Line of Credit
Open 11.99%* 2.83% of outstanding balance, minimum $15

APR = Annual Percentage Rate. *Subject to credit approval and includes Member Rewards loan discounts where applicable. Rates are subject to change without notice.   Rates are current as of May 20th, 2024.

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%–19.99%
Platinum Rewards Introductory rate 2.99% for first 6 months;
Non-Variable rate after introductory period from 9.99%–20.99%
Platinum Secured 8.99%

Subject to credit approval. Rates are current as of May 20th, 2024.
APR= Annual Percentage Rate. *Cash advance fees of $10 or 2.00% of advance amount, whichever is greater, will apply. Foreign Transaction Fee: A fee of 2.00% of each transaction (in U.S. Dollars) will be assessed for any purchase or cash advance outside of the United States. Additional fees may apply. Rates are subject to change without notice. Check our fee schedule for details.

Green

Type/Term APR as low as Payment per $1,000 Borrowed
Solar Loan
10-Year 9.25%*  $12.25/month
15-Year 9.25%* $9.60/month
20-Year
Minimum loan amount of $10,000
9.25%*  $8.33/month
Energy Efficient Loan
5-Year 7.99%* $19.34/month
7-Year
Minimum loan amount of $10,000
8.99%* $15.09/month
10-Year
Minimum loan amount of $25,000
9.99%* $12.13/month
Bike Loan
2-Year
Minimum loan amount of $500
Maximum loan amount of $7,500
7.50%* $45.00/month

APR = Annual Percentage Rate. *Subject to credit approval. No down payment is required.Rates are current as of May 20th, 2024. . Rates are subject to change without notice.