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 March 25, 2021 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
LAWN MOWER - Till 9/30
700+ 600-699 500-599
3.99% 4.50% 5.99%
Insurance Loan              18%
Fresh Start Loan            15%
2021 Loans - $5000 Up to 36 Months
700+ 650-699 649 & below
3.99% 4.99% 5.99%