Collateral Loans
Collateral loans include Auto, Boat, Watercraft, RV, Motorcycle, ATV, Farm Equipment. If
collateral is used, call for NADA value.
Loan Type
(2010-New)
New & Used Auto
New & Used Auto
New & Used Auto
Months
Financed
36-60
61-75
78-84
Tier 1 & 2
700-up
2.95%
3.45%
4.45%
Tier 3
650-699
3.95%
4.24%
5.45%
Tier 4
630-649
6.24%
6.24%
7.24%
Tier 5
600-629
10.00%
N/A
N/A
Tier 6
<599
13.99%
N/A
N/A
2009 and older
1-60
5.69%
6.69%
7.49%
10.49%
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+
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 (2010 and newer)
up to 63
up to 75
4.24%
4.49%
5.24%
5.49%
7.99%
8.74%
10.99%
11.74%
12.99%
13.74%
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
14.99%
N/A
N/A
Tier 1
700-up
Tier 2
650-699
Tier 3
600-649
Tier 4
<599
Tier 5
No Score
Spring & SUMMER Loans
3/29-9/30
up to $2500 for 18 months
Risk Score:
700+
600-699
7.00%
8.00%
9.00%
11.00%
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 2010 and newer.
Effective March 29, 2019
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
CU Privacy Notice | Funds Availability Policy | Electronic Funds Transfer Agreement | Patriot Act Notice | Truth-in-Savings Disclosure
Summer
Loans
$2500
up to 18 months
thru Sep 30
