Collateral Loans Collateral loans include Auto, Boat, Watercraft, RV, Motorcycle, ATV, Farm Equipment. If collateral is used, call for NADA value.
Loan Type (2009-New) New & Used Auto New & Used Auto New & Used Auto
Months Financed 36-60 61-75 78-84
Tier 1 & 2 700-up 2.70% 3.20% 4.20%
 Tier 3 650-699 3.70% 3.99% 5.20%
 Tier 4 630-649 5.99% 5.99% 6.99%
Tier 5 600-629 9.75% N/A N/A
 Tier 6 <599 13.74% N/A N/A
2008 and older
1-60
5.44%
6.44%
7.24%
10.24%
14.24%
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+ 8.24% 8.25% 8.75% 9.00% 9.50%
 Tier 2 700-749 8.50% 8.75% 9.25% 9.75% 10.00%
  Tier 3 650-699 9.25% 9.75% 10.00% 10.25% 10.75%
  Tier 4 600-649 9.50% 10.00% 10.25% 10.75% 12.50%
 Tier 5  <599 11.50% 11.75% 12.00% 12.50% 12.75%
 Tier 6 No Score 14.00% 14.25% 14.50% 14.75% 15.00%
All Special Loan promotions are set by the board of directors.
Collateral other than Autos (2009 and newer)
up to 63 up to 75
3.99% 4.24%
4.99% 5.24%
7.74% 8.49%
10.74% 11.49%
12.74% 13.49%
Boat & RV Loans  7 - 10 Years
Risk Score: Months:   84 96
700+ 5.24% 6.24%
650-699 7.24% 8.24%
109 N. Temple Drive Diboll, Texas 75941 936-829-1616 877-829-1616 936-829-1122 Fax
 Tier 7 No Score 14.74% N/A N/A
Tier 1 700-up
Tier 2 650-699
Tier 3 600-649
Tier 4 <599
Tier 5 No Score
Summer Loans thru Sep 30 up to $2500 for 18 months
Risk Score: 700+ 600-699
6.75% 7.55% 9.00% 10.50%
500-599 No Score
For credit scores 650+ get 0.10% off any collateral loans if you purchase either C/L & Dis, GAP or Warranty.
Collateral Loans other than AUTOS include: Boat, Watercraft, RV’s, Motorcycle, ATVs, Farm Equipment. Age of collateral 2009 and newer.
Effective April 1, 2018 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 finacial institution.
LOAN RATES
Rates are expressed as Annual Percentage Rate
LAWN MOWER SPECIAL
650 & up 12 mos 13-25 mos 36 mos 48 mos
5.24% 6.24% 7.24% 7.24%
 Holiday Loan Special
$2500 for 18 months Through January 31st
Interest rate is determined by your credit score.