Consumer Loans

New and Used Vehicle Loans
Finance up to 100% of the cost of a new or used car, truck or van – including tax, license and mechanical breakdown insurance. The maximum term is 60 months (72 months for loans of more than $20,000 and up to 84 months for loans over $30,000). Review our Vehicle Purchasing section and see if we can help you find and purchase your next vehicle.

Auto Equity Loans
A unique loan for California Homeowners that allows the purchase (or refinance) of a new or used vehicle, secured by both the vehicle and and a courtesy lien on your home. Fixed rate loans with terms of up to 84 months are available. Best of all, the interest you pay may be fully tax-deductible (check with your tax advisor).

VISA Classic Credit Card
TFCU’s VISA card offers long-term low interest rates – not just a low introductory rate. Credit limits are as high as $10,000. There’s no fee for cash advances, and members have a 25-day grace period to pay off their balance without incurring interest charges. We offer Visa rates as low as 9.99% APR*

Enjoy Greater Card Security With Verified by Visa.
If you use your TFCU Visa® credit or QuickCheck debit card to make purchases from Internet merchants, we have great news! Verified by Visa is available and adds increased safety and security for members who purchase goods and services on the Internet.

Once you enroll in the Verified by Visa program, participating online merchants will ask for your password prior to completing purchases. No password, no purchase! It’s an outstanding security measure designed to protect you and your credit card against fraudulent use.

For more information about the Verified by Visa program, visit the section called “Frequently Asked Questions” (FAQs). To enroll in the program, click here to go to the Verified by Visa Web site. The entire process takes just a few minutes

TFCU staff is available by phone to help. Please call (209) 832-6450 if you have any questions relating to Verified by Visa.

Line of Credit / Overdraft Protection
This loan offers ultimate flexibility. It’s an unsecured, open-ended Line of Credit that members can draw upon as needed. Access your credit line through MoneyLine to transfer funds to your TFCU checking account. Credit lines of up to $10,000 are available based on credit approval. Upon credit approval, you may link your Line of Credit to your TFCU checking account for easy access and overdraft protection.

Personal Loan
Borrow up to $10,000 (based on credit approval) for vacations, furniture or any other major purchase. The maximum term for our Personal Loan is 48 months.

Debt Consolidation
Consolidate your existing loans and debts into one low monthly payment with a TFCU Debt Consolidation Loan.

* APR means Annual Percentage Rate. All loans and rates are based on credit approval.