Products & Services

We have competitive rates and repayment terms that meet your personal budget needs!

Call: 616.842.6320

Loans

Whether it´s a new or used car loan, home equity loan, or a mortgage loan – the interest rates and repayment terms at Tri-Cities Credit Union will fit into your financial plans. We have a wide range of loans ready to meet your financial needs.
*Note: Fees may reduce earnings. Please see our Fee Schedule for more information.
Loan RatesEffective Monday, September 28, 2020
Loan TypeRates as low asTerms/Information
NEW CAR UP TO $15K2.610%60 Month Max
NEW CAR $15-20K2.610%66 Month Max
NEW CAR $20K & UP2.610%72 Month Max
USED CAR $5-10K2.610%48 Month Max
USED CAR $10-15K2.610%60 Month Max
USED CAR $15-20K2.610%66 Month Max
USED CAR $20K & UP2.610%72 Month Max
SHARE SECURED LOAN6.250%60 Month Max
OVERDRAFT LOC18.000%
PERSONAL 36 MONTH11.590%Up to 36 Months
PERSONAL 48 MONTH12.590%37 – 48 Months
PERSONAL 60 MONTH13.590%49 – 60 Months
NEW REC VEHICLE UP TO $5K4.590%36 Month Max
NEW REC VEHICLE $5-10K4.590%60 Month Max
NEW REC VEHICLE $10-15K4.590%84 Month Max
NEW REC VEHICLE $15K & UP4.590%120 Month Max
USED REC VEHICLE UP TO $5K4.590%36 Month Max
USED REC VEHICLE $5-15K4.590%60 Month Max
USED REC VEHICLE $15K & UP4.590%84 Month Max, $40k and up may go up to 120 Month Max
HOME EQUITY – FIXED RATE6.000%120 Month Max
HOME EQUITY LOC6.000%180 Month Max
TERM NOTES8.250%up to 90 Days Max
VISA CLASSIC11.500%
VISA PLATINUM9.500%
HOLIDAY LOAN SPECIAL5.990%12 Month Max
All loan rates are Annual Percentage Rate (APR). All Tri-Cities Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. *APR is Annual Percentage Rate and can vary based on creditworthiness and terms. Rate is subject to change without notice. Payment Example: Borrow $20,000 at 2.99% APR for 66 months = $329.44/month. Model year 2014 or newer. Membership Eligibility Requirements.

New & Used Auto Loans

TCCU can make buying a car simple by offering pre-approvals. That way you can avoid negotiating with the dealer on financing and can concentrate on getting a better deal on your car. With competitive rates, 100% financing, and no application or processing fees, why would you go anywhere else?

New and Used Auto Loans

TCCU can make buying a car simple by offering pre-approvals.  That way you can avoid negotiating with the dealer on financing and can concentrate on getting a better deal on your car.  With competitive rates, 100% financing, and no application or processing fees, why would you go anywhere else?

New & Used Recreational Vehicle Loans

Whether you take to the road or take to the water, the credit union can make that dream possible by financing your recreational vehicle. We´ll float you a loan with a competitive rate and repayment terms that fit your budget.

With some of the lowest rates in town, you can’t go wrong with Tri-Cities Credit Union!

New & Used Recreational Vehicle Loans

Whether you take to the road (RV) or take to the water (boat), the credit union can make that dream possible by financing your recreational vehicle. We´ll float you a loan with a competitive rate and repayment terms that fit your budget.

Mortgages

Mortgages are available directly through Tri-Cities Credit Union OR our affiliation with Member Mortgage. Call JoAnn Pugh in the mortgage department directly at 616-481-2654.

Let Tri-Cities help you finance your dream home!

We offer mortgages for first-time home buyers, as well as refinances. Our mortgage loan officer, JoAnn Pugh, can help explain the process and get you started today!

JoAnn is available by appointment only at our branch. To set up an appointment or get some questions answered, call JoAnn’s direct line at 616-481-2654.

JoAnn Pugh NMLS: 168895

Tri-Cities CU NMLS: 746427

Unsecured/Personal Loans

Your signature is all the security you need for a low-cost loan that can be used for anything you want…from buying a new computer to taking your dream vacation!

Life happens, let Tri-Cities Credit Union help!

We offer unsecured loans up to $10,000 for your personal needs. From Holiday loans to those unexpected car repairs, we are able to help! Rates are as low as 11.59% APR*. The process is simple and quick. We can have your loan approved & you can walk out the door with your cash in the same day!

Contact our friendly loan staff for more information!

Loan Type:Rates as low as:
Personal – up to 36 months:11.59%
Personal – up to 48 months:12.59%
Personal – up to 60 months:13.59%

*APR = Annual Percentage Rate. Rate may be higher or lower, depending on credit score and applicable rate discounts.

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Home Equity Loans

Turn the equity in your home into cash to meet many purposes! Homeowners can borrow up to 80% of the appraised value of their homes. Call us for more details.

Use the funds from your Home Equity Loan for some of life’s bigger expenses!

A home equity loan with TCCU makes it possible to take a family vacation, complete those much needed home improvements or consolidate high interest debt. We offer both Fixed Home Equity loans and Home Equity Line of Credit options. As the homeowner, you can borrow up to 80% of the appraised value of the home.

Apply Online Today or fill out the form below and our lending department will contact you!

Cassie LeFear NMLS: 1690574

Mae Wildey NMLS: 1206908

Tri-Cities CU NMLS: 746427

VISA Credit Card

A Visa Platinum or Classic Credit Card from TCCU gives you all the convenience and worldwide acceptance of the most recognized name in credit cards, but at a much lower cost than other card issuers.

Application

Download, print and fill in the information requested & mail or drop off the form with your two most recent pay stubs to get the process started!

Lost or Stolen Visa Credit Card?

Call 1-800-828-3901 to limit your liability!

Visa Classic

With our Visa Classic, the interest rate is 11.50% APR*. Credit limits are available up to $5,000.

  • No Annual Fee
  • No Balance Transfer Fee
  • Low Monthly Payments

Visa Platinum

With our Visa Platinum, the interest rate is 9.50% APR*. Credit Limits start at $3,000 and are available up to $15,000.

  • No Annual Fee
  • No Balance Transfer Fee
  • Low Monthly Payments
  • Earn reward points for every $1 you spend!

If you are looking to redeem your points for merchandise or travel credit, visit ScoreCard Rewards to browse the catalog and place your order!

  • *APR = Annual Percentage Rate. The APR is Tri-Cities Credit Union’s current rate as of April 24, 2019. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Tri-Cities Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify. Call us at (616) 842-6320 for current rates, terms and conditions.

Refinancing

If you have an auto, home or personal loan at another financial institution, you can save money by refinancing at TCCU. We do match competitor’s rates.

Credit Life & Disability Insurance

Payment protection is available on many loans at an additional cost. This protection provides payment if the borrower or joint borrower dies or becomes disabled during the term of the loan. For complete details, talk with one of our loan officers.

Additional Loan Services

  • Term Notes
  • Share Secured
  • Revolving Credit Line

Our Hours

LOBBY
Monday – Friday:
9:00 AM-5:15 PM
DRIVE THRU
Monday – Thursday:
8:30 AM-5:15 PM
Friday:
8:30 AM-6:00 PM
Saturday:
8:30 AM-12:00 PM

ATM Locations

Surcharge-free access to your money, almost anywhere!

CO-OP’s nearly 30,000 ATMs means you have more direct, surcharge-free* access to your money than most traditional bank customers do.