Auto Loan Sale June 15 - 26
Start your summer adventure with a seamless online shopping experience.
- Browse SUVs on our site
- Compare features
- Estimate payments
- Get pre-approval
- Pick up your ride
- Hit the road!
For a limited time, TCT is offering an additional 0.25% rate discount on Conventional and Payment Saver Auto Loans.
- Applications must be submitted between June 15 and June 26, 2026.
- Reduced rates may be combined with our regular 0.25% loan rate discount for automatic payment through payroll deduction or direct transfer from a TCT account.
- Plus, enjoy no payments for up to 90 days.*
*Although the first payment may not be due until 90 days from the date the loan is funded, interest will accrue during this time. Deferment is not available for Payment Saver Auto Loans.
| Term | APR* (Rates as low as) | Monthly Payment per $1000 |
|---|---|---|
| CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER | ||
| 3 Year (36 Month) | 3.75% | $29.41 |
| 5 Year (60 Month) | 4.50% | $18.64 |
| 6 Year (72 month)** | 5.00% | $16.10 |
| 7 Year (84 month)*** | 6.50% | $14.85 |
| ** The 6 Year Term requires a minimum loan amount of $15,000. *** The 7 Year Term is eligible for the current model year only and requires a minimum loan amount of $30,0000. | ||
| CONVENTIONAL AUTO LOAN MODEL YEARS: 2022 & OLDER | ||
| 3 Year (36 Month) | 4.74% | $29.86 |
| 4 Year (48 Month) | 5.25% | $23.14 |
| 5 Year (60 Month) | 5.74% | $19.21 |
| 6 Year (72 month)** | 6.00% | $16.57 |
| ** The 6 Year Term requires a minimum loan amount of $20,000. | ||
| Important Facts *APR = Annual Percentage Rate, Interest rates are quoted using the rate available, Your individual credit qualifications will determine rate and term. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Under the Credit Union's guidelines for lending and the purposes of this rate sheet, vehicles are defined as automobiles, SUVs and motorcycles. Sport crafts are defined as all terrain or all purpose vehicles, snowmobiles, dirt bikes, and personal watercraft. Low cost GAP Protection is available on all vehicle and sport craft loans. TCT FCU requires collision and comprehensive insurance on all automobile and motorcycle loans. | ||
| Apply Online | ||
| Term | APR* (Rates as low as) | Calculate a Monthly Payment |
|---|---|---|
| Payment Saver monthly payments are factored specifically to the vehicle. Please use the provided link to calculate a monthly payment or contact us. A sample monthly payment based on a $40,000 loan would be $470.71 for payments 1-59, with a 60th payment of $18,500, depending on the vehicle's Guaranteed Future Value. Guaranteed Future Value (GFV) is the projected value of the vehicle at loan maturity. Our Payment Saver program guarantees this residual value. If your vehicle is worth less than what you owe on your loan at maturity, you can turn the vehicle in and walk away. | ||
| MODEL YEARS: 2023 & NEWER | ||
| 3 Year (36 month) | 4.75% | CALCULATE PAYMENT |
| 5 Year (60 month) | 5.50% | CALCULATE PAYMENT |
| 6 Year (72 month)** | 6.00% | CALCULATE PAYMENT |
| ** The 6 Year Term requires a minimum loan amount of $15,000. | ||
| MODEL YEARS: 2022 & 2021 | ||
| 3 Year (36 month) | 5.74% | CALCULATE PAYMENT |
| 4 Year (48 month) | 6.25% | CALCULATE PAYMENT |
| 5 Year (60 month) | 6.74% | CALCULATE PAYMENT |
| Important Facts *APR = Annual Percentage Rate, Interest rates are quoted using the rate available, Your individual credit qualifications will determine rate and term. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Under the Credit Union's guidelines for lending and the purposes of this rate sheet, vehicles are defined as automobiles, SUVs and motorcycles. Sport crafts are defined as all terrain or all purpose vehicles, snowmobiles, dirt bikes, and personal watercraft. Low cost GAP Protection is available on all vehicle and sport craft loans. TCT FCU requires collision and comprehensive insurance on all automobile and motorcycle loans. | ||
| Calculate Your Payment | ||
TCT partners with TruStage/Liberty Mutual to offer our members insurance discounts to help protect their investments with affordable rates to fit their budget. With our unique Payment Saver Auto Loans you may be surprised to find out you can afford to own your dream car on your budget with a lease-like monthly payment, plus all the benefits of vehicle ownership. You may have driven off the lot with an auto loan rate your credit union can beat. Going on now - September 30th, stretch your budget with a special low rate personal loan! 
TCT Insurance Discounts
Considering a lease?
Auto Loan Refinance
TCT has the roadmap to budget-friendly payments and low loan rates.
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