Loan Type (2015-New) New & Used Auto New & Used Auto New & Used Auto
Months Financed 36-60 61-75 78-84
Tier 1 750-up 4.00% 4.00% 4.25%
 Tier 2 700-749 4.15% 4.15% 4.50%
 Tier 3 650-699 6.75% 6.75% 7.25%
Tier 4 630-649 10.75% 11.74% 12.74%
 Tier 5 600-629 14.99% 14.99% N/A
2014 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 (2015 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% 14.99% N/A
Tier 1 700-up
Tier 2 650-699
Tier 3 600-649
Tier 4 <599
Tier 5 No Score
Collateral Loans other than AUTOS include: Boat, Watercraft, RV’s, Motorcycle, ATVs, Farm Equipment.
Effective April 1, 2025 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%
14.99%