Collateral Loans
Collateral loans 2010 & older include Auto, Boat, Watercraft, RV, Motorcycle, ATV, Farm
Equipment. If collateral is used, call for NADA value.
Loan Type
(2011-New)
New & Used Auto
New & Used Auto
New & Used Auto
Months
Financed
36-60
61-75
78-84
Tier 1 & 2
700-up
2.20%
2.45%
3.45%
Tier 3
650-699
2.95%
3.45%
4.45%
Tier 4
630-649
6.49%
6.49%
7.49%
Tier 5
600-629
10.25%
N/A
N/A
Tier 6
<599
14.24%
N/A
N/A
2010 and older
1-60
5.44%
6.44%
7.72%
10.74%
14.74%
Signature Loans
Signature loans are 1.50% times your monthly income with a maximum to $5000.00
Signature Loan
Months
Financed
12
13-24
25-36
37-48
49-60
Tier 1
750+
8.49%
8.50%
9.00%
9.25%
9.75%
Tier 2
700-749
8.75%
9.00%
9.50%
10.00%
10.25%
Tier 3
650-699
9.50%
10.00%
10.25%
10.50%
11.00%
Tier 4
600-649
9.75%
10.25%
10.50%
11.00%
12.75%
Tier 5
<599
11.75%
12.00%
12.25%
12.75%
13.00%
Tier 6
No Score
14.25%
14.50%
14.75%
15.00%
15.00%
All Special Loan promotions are set by the board of directors.
Collateral other than
Autos (2011 and newer)
up to 63
up to 75
2.99%
3.25%
4.50%
4.75%
8.24%
8.99%
11.24%
11.99%
13.24%
13.99%
Boat & RV Loans 2015 & Newer
Risk Score:
Months: 84
120
180
700+
3.59%
3.99%
4.99%
650-699
4.99%
5.99%
109 N. Temple Drive
Diboll, Texas 75941
936-829-1616
877-829-1616
936-829-1122 Fax
Tier 7
No Score
14.99%
N/A
N/A
Tier 1
700-up
Tier 2
650-699
Tier 3
600-649
Tier 4
<599
Tier 5
No Score
For credit scores 650+ get 0.10% off any collateral loans if you purchase either C/L & Dis, GAP or Warranty.
Get .25% off for having an active checking account open for 90 days. Active menas having Direct Deposit, a
Debit Card or Home Banking.
Collateral Loans other than AUTOS include: Boat, Watercraft, RV’s, Motorcycle, ATVs, Farm Equipment. Age of
collateral 2011 and newer.
Effective January 1, 2022
All loans are subject to credit approval and normal loan policies
apply. Rates are subject to change without notice. EXCLUDES
existing TIFCU loans. Rates are for new purchase or refinance
from another financial institution.
LOAN RATES
Rates are expressed as Annual Percentage Rate
Insurance Loan 18%
Fresh Start Loan 15%
2022 Loans - $5000 Up to 36 Months
700+
650-699
649 & below
4.99%
5.99%
7.99%
