Mortgages         

• 15 Year Variable as low as 3.05%
• 30 Year Variable as low as 3.10%
• One-stop shopping with your friends at the credit union!
• Manage your mortgage with the convenience of It's Me 247

Don't miss this opportunity to purchase or refinance at a great rate! 
Tri-Rivers FCU offers a variety of mortgage options - click here to apply online, or drop by our offices. 

Auto Loans         

• New & Used Vehicles as low as 3.20%

Looking for a new or used vehicle? See us first. We offer 100% financing on new cars, based on the list price without a trade-in. We also accept NADA book value on used car financing.

Land Loans

• Land Loans as low as 3.50% APR*

Found the ideal spot to build your dream home? Tri-Rivers FCU can help your dream come true with a low cost Land Loan.

Generator Loans         

• Monthly payments as low as $80 per month
• Interest rate as low as 7.00% APR*

Power. Our lives depend on it, especially during hurricane season. From everyday necessities like air conditioning, refrigeration and lights, to daily essentials like cooking, laundry or bath times. Stand up to unpredictable weather and unforeseen outages with a generator.  If the power ever goes out, a standby generator goes on - automatically - protecting you and your home. 

Home Equity Line of Credit

• Home Equity Line of Credit
• 240 months
• Rate is 3% above T-Bill

A “home equity loan” is an open-end line of credit offering a up to $75,000 to qualified members.  This loan is only available on the primary residence, and the loan amount reflects 80% of the appraised value less the amount owed.  The adjustable rate is based on the twenty-six week T-bill.  Attorney fees and closing costs may apply.  Minimum monthly payment is $16.00 per $1,000 borrowed.  Please contact our loan office for complete details. 

Vacation Loan

• Special Rate - 12.50% APR*

Needing a break? Hoping to take the family for a little rest and relaxation? With a vacation loan, members can finally afford to take the trip they have always imagined.

Boat Loan           

• New Boats - 48 mths - as low as 12.00% APR*

Dreamed of owning your own boat? With our boat loan, your dream can become reality. Whether heading down to the Gulf or to a nearby lake, a boat is great for a weekend get-a-way, family trip, or some much needed quiet-time.

Lawn & Garden and Farm Equipment

• New - 36 months - as low as 8.50% APR*

Major equipment comes at a major cost. Our lawn, garden, and farm equipment loans help you acquire those bigger purchases, which, in the long run, make a big difference on large lots and farms.

Signature Loans    

• 12 Months - as low as 8.750% APR*
• 24 Months - as low as 9.250% APR*

Useful for bill consolidation, vacations, home improvement, taxes, and other needs, “signature loans” are flexible term, fixed rate loans available to our members. Share pledges may be required depending on credit status; however, no other collateral is needed.  Loan amounts range from $300.00 to $5000.00 for qualified members.

Secured Loans

• CD-Secured - as low as 3.50% APR*
• Share-secured - as low as 3.40% APR*

Borrow up to 100% of your available balance in either your regular savings or certificate account. Approval is virtually automatic with up to 60 months to pay. We pay you dividends on your money while you borrow against it.

First-Year Teacher's Loan

• Special Rate - 12.50% APR*
• Up to $1000
• Pays out in 9 months

From August 1st to September 15th, new teachers can receive $100 to $1,000 to help with expenses between paydays. Qualified members need only apply for membership, sign up for direct deposit, and agree to repay this loan within six months after receiving his or her first paycheck. 

Other Loan Services

ValueGAP™ (Exclusively for credit union members)

Imagine your vehicle is stolen or damaged and declared a “total loss”… If you think your insurance company will bridge the gap and pay the difference you owe your credit union, think again! You owe the credit union money, but your insurance company only pays a depreciated value, which possibly leaves you out thousands of dollars, not to mention the deductible. Depending upon the kind of vehicle, ValueGAP™ will pay the difference plus your deductible. How can you get ValueGAP™? It’s easy; just contact your loan officer and ask for details. Enroll today and enjoy the security and comfort in knowing you have protected your vehicle.

HOME BUYING GUIDE

CUNA Mutual Insurance Group provides a program to assist you in determining home value, refinancing your home, and much more. If interested, ask the loan office for details.

AUTO WARRANTY PROGRAM

Protect your new or used auto from any unexpected repairs. The warranty amount may be added to your loan balance at the time of purchase, and, depending upon the type of plan and your deduction, this program will cover your vehicle until the loan is paid in full. One major repair could be expensive and untimely, but, once your warranty is in place, all repairs are done at no charge to you by the licensed mechanical repair facility of your choice.

CREDIT LIFE AND CREDIT DISABILITY INSURANCE

These policies cover the balance of your loan in the event of death or disability. With disability coverage, you will be able to take care or your obligations… even if you are out of work due to illness or injury.

OVERDRAFT PROTECTION LOAN

Have you ever thought you had enough money in your checking account to cover your expenses, yet later discovered you were a couple of dollars short? That shortage starts a domino effect of insufficient fund charges and embarrassment. Don’t let this happen to you, especially now that your credit union offers to cover checks up to $90 through our loan protection program. Stop by the credit union for details.

AUTO INSURANCE PAYMENTS

By signing up for payroll deduction, you can have your insurance premiums deducted monthly and placed in a participating insurance company’s holding account, leaving out the worry of making monthly, quarterly, or yearly auto insurance payments. We make the payments for you.