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 | 3.10%* | $29.13/month |
| 37-48 Months | 3.15%* | $22.20/month |
| 49-60 Months | 3.95%* | $18.39/month |
| 61-72 Months | 4.50%* | $15.87/month |
| 73-84 Months | 4.85%* | $14.06/month |
APR = Annual Percentage Rate. *Subject to credit approval. Includes Member Rewards discounts, up to maximum total discount of 0.25%. No down payment is required. Rates are current as of December 6th, 2019.
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)
|
7.25%* | $11.74/month |
|
Variable-Rate Home Equity
|
4.75%* | $10.49/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. Fixed-Rate Home Equity Loan monthly payment estimate based on 10-year term. Variable-Rate Home Equity Line of Credit monthly payment based on 20-year term. Rates are current as of December 6th, 2019.
Signature Loans & Lines of Credit
| Type/Term | APR as low as | Payment for $1,000 Borrowed |
|---|---|---|
| Signature Loans | ||
| 0-36 Months | 9.50%* | $32.03/month |
| 37-60 Months | 9.99%* | $21.24/month |
| 61-78 Months | 10.50%* | $17.74/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 December 6th, 2019.
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 December 6th, 2019.
Green Loan Rates
| Type/Term | APR as low as | Payment per $1,000 Borrowed |
|---|---|---|
| Solar Loan | ||
| 10-Year | 5.74%* | $10.97/month |
| 15-Year Minimum loan amount of $10,000 |
5.74%* | $8.30/month |
| 10-Year Balloon (with 20-year amortization) Minimum loan amount of $10,000 |
5.99%* | $7.16/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 December 6th, 2019.