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 2.49%*  $28.86/month
37-48 Months 2.74%*  $22.03/month
49-60 Months 3.24%*  $18.08/month
61-72 Months 3.49%*  $15.42/month
73-84 Months 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 June 24th, 2018.

Home Loan Rates

Type/Term APR as low as Payment per $1,000 Borrowed**
First Mortgages Centennial Lending  
Fixed-Rate Home Equity Loan (Second Mortgage)

 

  • $25,000 Minimum 
7.25%* $11.74/month

Variable-Rate Home Equity
Line of Credit (HELOC)**

  • $25,000 Minimum 
  • First Advance $10,000 Minimum
  • Subsequent Advance Minimum $50
5.75%* $7.03/month

APR = Annual Percentage Rate. *Subject to credit approval. **Based on up to 60& Loan To Value (LTV). 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 June 24th, 2018.  

Signature Loans & Lines of Credit

Type/Term APR as low as Payment for $1,000 Borrowed
Signature Loans
0-36 Months 9.25%*  $31.92/month
37-60 Months 9.74%*  $21.13/month
61-78 Months 10.25%*  $17.62/month
Personal Line of Credit
Open 9.74%* 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 June 24th, 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%–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%

APR = Annual Percentage Rate. Subject to credit approval. Additional fees may apply. Rates are current as of June 24th, 2018.

Green Loan Rates

Type/Term APR as low as Payment per $1,000 Borrowed
Solar Loans
10-Year 5.74%*  $10.98/month
15-Year
Minimum loan amount of $10,000
5.74%*  $8.31/month
10-Year Balloon
(with 20-year amortization)
Minimum loan amount of $10,000
5.99%*  $7.17/month
Energy Efficient Loans
60 Months 5.99%*  $19.33/month
84 Months 6.99%*  $15.10/month
120 Months 7.99%*  $12.14/month
Bike Loans
24 Months 7.25%*  $44.89/month

APR = Annual Percentage Rate. *Subject to credit approval. Rates are current as of June 24th, 2018.