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 as low as | Payment per $1,000 Borrowed |
|---|---|---|
| 0-36 Months | 7.15%* | $29.30/month |
| 37-48 Months | 7.15%* | $22.65/month |
| 49-60 Months | 7.35%* | $18.76/month |
| 61-72 Months | 8.10%* | $16.10/month |
| 73-84 Months | 8.95%* | $14.37/month |
APR = Annual Percentage Rate. *Subject to credit approval based on purchase of new auto. Includes Member Rewards discounts, up to maximum total discount of 0.25%. No down payment is required.
Motorcycle/Off-Road/ATV Loan Rates
| Term | APR as low as | Payment per $1,000 Borrowed |
|---|---|---|
| 0-36 Months | 7.90%* | $30.33/month |
| 37-48 Months | 7.95%* | $23.44/month |
| 49-60 Months | 8.00%* | $19.29/month |
| 61-72 Months | 8.60%* | $16.67/month |
| 73-84 Months | 9.15%* | $14.85/month |
APR = Annual Percentage Rate. *Subject to credit approval based on purchase of new unit. Includes Member Rewards discounts, up to maximum total discount of 0.25%. No down payment is required.
Home Loan Rates
| Type/Term | APR as low as | Payment per $1,000 Borrowed** |
|---|---|---|
| First Mortgages | Centennial Lending | |
APR = Annual Percentage Rate. *Subject to credit approval. **Based on up to 60% Loan To Value (LTV) and first lien position. Minimum payment is lessor of $50 or balance owed. Applicant responsible for all fees. Fixed-Rate Home Equity Loan monthly payment estimate based on 10-year term. Variable-Rate Home Equity Line of Credit monthly payment based on 10-year term. Rates are current as of July 19th, 2022. Average total costs- $465-990, Application Fee- $60 Flood Determination- $15 Tax Tracking- $85 Title Policy and Recording- Average $130 Exterior Evaluation- Average $175 Full Appraisal- Average $600-700. Rate increases are capped at 2% per year, with a maximum increase of 5% above the initial rate over the term of the loan. For example, if the initial rate is 4.25%, the maximum rate would cap at 9.25%
Signature Loans & Lines of Credit
| 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 | 9.99%* | 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 current as of March 23rd, 2023.
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 Youth | 15.99% |
| Platinum Secured | 8.99% |
Subject to credit approval. Rates are current as of March 23rd, 2023.
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. Check our fee schedule for details.
Green Loan Rates
| Type/Term | APR as low as | Payment per $1,000 Borrowed |
|---|---|---|
| Solar Loan | ||
| 10-Year | 7.49* | $11.25/month |
| 15-Year | 7.49* | $8.60/month |
| 15-Year Balloon (with 20-year amortization) Minimum loan amount of $10,000 |
7.69%* | $7.33/month |
| 20-Year Minimum loan amount of $10,000 |
7.49* | $7.33/month |
| Energy Efficient Loan | ||
| 5-Year | 5.99%* | $19.34/month |
| 7-Year Minimum loan amount of $10,000 |
6.99%* | $15.09/month |
| 10-Year Minimum loan amount of $25,000 |
7.99%* | $12.13/month |
| Bike Loan | ||
|
2-Year |
7.50%* | $45.00/month |
APR = Annual Percentage Rate. *Subject to credit approval. No down payment is required. Rates are current as of April 22nd, 2022.