Savor Summer Special

Q: By what methods can I pay my TCT loan?

You can set-up automatic loan payments or payroll deduction, pay by phone, pay by transfer through online banking, or pay in person at any branch. We also provide a service that allows you to move money to your TCT account from another bank for a fee, Pay TCT .

Q: How can I apply for a loan?

There are three ways to apply for a TCT loan. Apply online, apply over the phone or visit any TCT branch to apply in person. Apply Online

Q: What if I can't make my loan payment?

If you're delinquent in your loan payments — or expect to be — the best thing to do is to contact us right away. While it can be stressful and overwhelming to contact your lender(s), early communication puts you in a positive light. Foreclosure or repossession is very costly for a lender, and we would generally prefer to help you get back on track to keep your home or vehicle. When contacting your lender(s) be honest. Describe your situation and know how much money you have available to make payments – do not agree to a payment that is not feasible with your current budget. As a member of TCT, you can take advantage of the GreenPath Financial Wellness program , a free financial education, and counseling program. Contact Us

Q: Do you have to be a member to apply for a loan?

No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan. View Membership Eligibility Information

TCT Summer Loans
Available for a Limited Time

Rates as low as 4.99% APR* with a 12-month term

Make the most of summer without putting extra pressure on your wallet. With a TCT Summer Loan, you can cover seasonal expenses at a rate that’s lower than most credit cards, giving you a smarter, more affordable way to borrow.

Whether you're planning a getaway, taking on a home project, or managing unexpected summer costs, this limited-time loan special helps you spread payments over 12 months with a low fixed rate.

Apply between May 26 and September 30, 2026 to take advantage of this special offer.

Getting started is easy with a simple online application and quick, or even instant approval.

APPLY TODAY

Personal Loan Rates

Term	APR (Rates as low as)	Monthly Payment per $1,000
1 Year (12 month)	4.99%**	$85.78
3 Year (36 month)	7.24%	$30.99
5 Year (60 month)	9.24%	$20.88
Minimum Loan Amount = $500 \| Maximum Loan Amount = $30,000 The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
**This loan special is available for a limited time, must apply May 26 − September 30, 2026.

*Annual Percentage Rate (APR) for this loan special is as low as 4.99% APR for up to a 12-month term and includes a 0.25% APR discount for automatic payment through a TCT checking account or payroll deduction. Your rate may vary based on individual creditworthiness. A sample payment based on the disclosed rate of 4.99% APR for a 12-month term, the monthly principal and interest payment would be $85.78 per $1,000 financed. This loan special is available for a limited time, must apply May 26 − September 30, 2026.