Collateral Loans
Collateral loans 2014 & older include Auto, Boat, Watercraft, RV, Motorcycle, ATV, Farm
Equipment. If collateral is used, call for NADA value.
Loan Type
(2014-New)
New & Used Auto
New & Used Auto
New & Used Auto
Months
Financed
36-60
61-75
78-84
Tier 1
750-up
4.25%
4.25%
4.75%
Tier 2
700-749
4.75%
4.75%
5.75%
Tier 3
650-699
7.24%
7.24%
8.00%
Tier 4
630-649
10.50%
11.49%
12.49%
Tier 5
600-629
14.99%
N/A
N/A
2013 and older
1-60
9.19%
9.19%
10.49%
11.49%
14.49%
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+
11.25%
11.50%
11.75%
12.00%
12.25%
Tier 2
700-749
12.00%
12.25%
12.75%
13.25%
13.50%
Tier 3
650-699
12.75%
13.25%
13.50%
13.75%
14.25%
Tier 4
600-649
13.00%
13.50%
13.75%
14.25%
14.99%
Tier 5
<599
14.99%
14.99%
14.99%
14.99%
14.99%
Tier 6
No Score
14.99%
14.99%
14.99%
14.99%
14.99%
All Special Loan promotions are set by the board of directors.
Collateral other than
Autos (2014 and newer)
up to 63
up to 75
6.99%
7.49%
8.49%
8.99%
11.99%
12.99%
14.99%
14.99%
14.99%
14.99%
Boat & RV Loans 2015 & Newer
Risk Score:
Months: 84
700+
8.99%
650-699
9.99%
109 N. Temple Drive
Diboll, Texas 75941
936-829-1616
877-829-1616
936-829-1122 Fax
Tier 6
<599
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 on collateral loans. Active means having Direct Deposit,
a Debit Card or Home Banking.
Collateral Loans other than AUTOS include: Boat, Watercraft, RV’s, Motorcycle, ATVs, Farm Equipment.
Effective November 1, 2024
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 15%
Fresh Start Loan 15%
700+
650-699
649 & below
9.49%
10.49%
12.49%
2024 Loans - $5000 up to 36 mo
Christmas Loans -$2500 up to 12 mo
14.99%
