TLC Community Credit Union
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Rates

Rates that are great!

Shop for a great deposit or loan rate. Your friends will be impressed with how competitively priced we are and you’ll be viewed as an expert when they learn about the great terms you received.
Auto & Consumer Loan Rates vary depending on a number of qualifying factors. If you have questions or want to learn more, please contact us at (517) 263-9120  for specific, customized pricing for your financial situation.


Auto & Consumer Loan Rates 

Type of Loan Max Terms up to APR Rates as low as
New and Used Auto 84 Months 5.99% APR
Title Secured Loans (non-dwelling) 180 Months 6.99% APR
Non-Titled Secure Loan Rates 120 Months
7.99% APR
Unsecured 60 Months
10.99% APR

 

 
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AUTO, TITLE VEHICLE, & NON-TITLE VEHICLE DISCLOSURES: ^APR = Annual Percentage Rate. Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a variety of factors including member's credit score, age type of collateral, and loan purpose.
^ = Representative example - $20,000 financed for 66 months @ 5.99% APR equals an estimated payment of $356.47.




Interest Rates Interest Charges
Annual Percentage Rates (APR) for Purchases 9.95% to 18.95% 
When you open your credit card, based on your credit worthiness
APR Balance Transfers 9.95% to 18.95%
APR for Cash Advances 9.95% to 18.95%
Penalty APR None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimal Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

Fees

Fee Type Fee Charge
Annual Fee $0
Balance Transfer  $0
Cash Advance  $0
Foreign Transaction 1% of each transaction in U.S. Dollars
Late Payment Up to $30
Over the Credit Limit Up to $30
Returned Payment $25
Card Replacement $5
Document Copy $10
How we will Calculate Your Balance: 
We use a method called "average daily balance" (including new purchases). The information about the costs of the card described in this application is accurate as of October 2014. This information may have changed after that date. To find out what may have changed, call us at 1 (800) 828-3901 or write to us at P.O. Box 8054, Plymouth, Michigan 48170. View Card Holder Agreement.
 
^ = Stated loan rate available to members with qualifying credit scores.  Actual rate(s) may be higher and will be determined by a member's individual credit score and collateral if applicable.  All loans subject to credit approval.

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Regular Certificates

Term Rate / APY IRAs - Rate / APY
6 Month* 4.25% / 4.32% APY 4.25% / 4.32% APY
12 Month* 4.00% / 4.06% APY 4.00% / 4.06% APY
24 Month* 3.60% / 3.65% APY 3.60% / 3.65% APY
36 Month* 3.35% / 3.39% APY 3.35% / 3.39% APY
48 Month* 3.45% / 3.49% APY 3.45% / 3.49% APY
60 Month* 3.55% / 3.60% APY 3.55% / 3.60% APY
Platinum Member Specials
TLC's Platinum Membership enjoys a 0.15% APR higher rate   Find out how you qualify
 
Term Rate / APY IRAs - Rate / APY
24 Month* 3.75% / 3.80% APY 3.75% / 3.80% APY
36 Month* 3.50% / 3.55% APY 3.50% / 3.55% APY
48 Month* 3.60% / 3.65% APY 3.60% / 3.65% APY
60 Month* 3.70% / 3.75% APY 3.70% / 3.75% APY
CERTIFICATE DISCLOSURES:  APY = Annual Percentage Yield. Yields are subject to change. Please see a member service representative about applicable fees and terms. 365 day penalty for early withdrawal. *$1,000 minimum deposit to open and earn the stated APY. APYs are as of 10-03-2024 and subject to change.  FEE SCHEDULE

Open an Account         Make an Appointment
 


Dividend Checking

Balance APY
$500 - $4,999.99  0.30% APY
$5,000 - $9,999.99   0.35% APY
$10,000 & Over 0.40% APY

Money Market

Balance APY
$2,500 - $9,999.99  1.21% APY
$10,000 - $24,999.99  1.36% APY
$25,000 & 49,999.99  1.51% APY
$50,000 - $99,999.99  1.66% APY
$100,000 & Over 1.76% APY

Health Savings Accounts

Balance APY
$0.01 & Over 0.35% APY

Member Savings

Balance APY
$200 & Over 0.35% APY

Variable Savings

Balance APY
$500 - $4,999.99  0.35% APY 
$5,000 - $9,999.99  0.40% APY
$10,000 & Over 0.45% APY

Variable IRAs

Balance APY
$5 - $999.99 0.35% APY
$1,000 - Over  0.45% APY

 

DEPOSIT ACCOUNT DISCLOSURES: APY = Annual Percentage Yield. Please see a member service representative about applicable fees and terms. How is interest compounded? Dividend Checking - monthly; Money Market - monthly; Health Savings Account - monthly; Membership Savings - quarterly; Variable Savings - quarterly; Variable IRAs - quarterly. What is the minimum balance to open an account? Dividend Checking - $50.00; Money Market - $50.00; Health Savings Account - $50.00; Membership Savings - $5.00; Variable Savings - $5.00; Variable IRAs - $5.00. Dividend Checking, Money Market and Health Savings APYs are as of 05-31-2024 with dividends declared monthly. Membership Savings, Variable Savings and Variable IRAs APYs are as of 06-30-2024 with dividends declared quarterly. Yields are subject to change.
 
Fee Schedule
Mortgage Loan rates vary depending on a number of qualifying factors. Please contact your Mortgage Loan Expert for specific, customized pricing for your financial situation. 
 
Popular rates are listed below. Contact a loan officer for additional loan options and rates.
 

Home Equity Line of Credit *, **

Terms up to
Rates as low as
300 Months
7.500%   APR

Home Equity - Fixed*

Terms up to First Lien Second Lien
60 Months
6.710  % APR
7.712  % APR
120 Months
6.863    % APR
7.785 % APR
180 Months
7.807   % APR
8.083 % APR
To apply for a Home Improvement Loan:

Unsecured Home Improvement*

Type of Loan Terms up to
Rates as low as
Up to $10,000 120 Months
9.74% APR
$10,001 - $25,000 180 Months
10.74% APR

DISCLOSURES: *: APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program. Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Subject to lien placement. Rates, terms and conditions effective 02-20-2025 are for sample purposes only and subject to change.
 
*PFI Discount does not apply.
**Term up to 300 months (60 month draw term, 240 months repay term). 
^ : Representative example: $50,000 at 7.50% APR, 240 months, equals an approximate payment of $402.80. Estimated closing costs are $250. Maximum variable rate is 18%. Rate is variable.



























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