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Loan Products

Auto Loans

Financing available on current or prior year models with less than 5,000 miles. 100% plus financing is available up to Manufacturer’s Suggested Retail Price plus tax, title and registration. New vehicle cost guide available for price verification. Loan term is typically up to 60 months however 72 months is available for qualified loan amount in excess of $27,000. Credit life, Credit Disability, Guaranteed Asset Protection and Mechanical Repair Coverage are available and may be financed. Preapproval is recommended. Interest rate reductions apply for account relationships.

Financing terms are based, in part, on the year model of the vehicle.

  • Current , One, Two or Three year old models up to 60 months term
  • Four and Five year old models up to 48 months term
  • Six, Seven, or Eight year old models up to 36 months term
  • Nine year old and older models up to 24 months term

The amount financed is based on NADA values and can be up to, and in some cases in excess of NADA retail value including all options and adjustments. NADA value quotes are available. Terms and loan advance amount guidelines as stated are subject to market conditions and collateral evaluation. Pictures of the vehicle may be required. Collision and Liability insurance coverage is generally required. Credit Life, Credit Disability, Guaranteed Asset Protection and Mechanical Repair Coverage are available and may be financed. Preapproval is recommended. Interest rate reductions apply for account relationships.

Available credit line up to $15,000. Minimum credit line $3,000. In general, the minimum monthly payment amount is 3% of the established credit line limit. Advances from the credit line can be transferred to existing Texas Telcom Credit Union accounts or received by check at any time. Advance request may be made in person or by phone, fax, Moneyline, online through Virtual Branch, or email from the Contact page. Credit life and Credit Disability protections are available. Interest rate reductions apply for account relationships.

Available in variable terms depending on the amount requested up to 48 months. In general, the signature loan term will not exceed 12 months for every $1,000 advanced. Minimum amount is $500, generally the maximum amount is $5,000, but will not exceed $10,000. Additional advance may require reevaluation or verification of member’s job, residence, income or credit file. Credit Life and Credit Disability are available. Interest rate reductions apply for account relationships.

Available credit limits up to $5000. Minimum credit limits $500. Interest rate fixed at 13.9% for purchase, cash advances and balance transfers. No balance transfer fee and no annual fee. Minimum payment 2.50% of the outstanding balance.

Available credit limits up to $15,000. Minimum credit limits $5,001. Interest rate fixed at 12.5% for purchase, cash advances and balance transfers. No balance transfer fee and no annual fee. Minimum payment 2.50% of the outstanding balance.

Certificate Secured

Maximum loan amount equal to 100% of a Texas Telcom Credit Union certificate of deposit. Interest rate equal to certificate of deposit rate plus 2.50%. If the certificate secured loan term exceeds the term of the certificate the loan will either be converted to a shares secured loan when the certificate matures or if the Certificate of Deposit is renewed, the interest rate of the loan will be amended to conform to the existing Certificate Secured Loan policies. Credit Life and Credit Disability are available. Interest rate reductions apply for account relationships.

Maximum loan amount equal to 100% of a Texas Telcom Credit Union savings account. Interest rate equal to the savings account dividend rate plus 2.50%. In general, the maximum repayment term is 60 months. In general, the Savings Secured Loan term will not exceed 12 months per every $1,000 advanced. Credit Life and Credit Disability are available. Interest rate reductions apply for account relationships.

Financing available on current year model or untitled prior year. 100% financing is available up to Manufacturer’s Suggested Retail Price plus tax, title and registration. New RV cost guide available for price verification. Loan term is typically up to 60 months however 72 months is available for qualified loan amount in excess of $27,000. If financing more than $40,000 an 84 month term may be granted. Credit life, Credit Disability available. Preapproval is recommended. Interest rate reductions apply for account relationships.

Financing terms are based, in part, on the year model of the RV.

  • Current, One or Two year old models up to 60 months term (72 months for amounts greater than $27,000.)
  • Three and Four year old models up to 60 months term
  • Five year old models up to 48 months term
  • Six and Seven year old and older models up to 36 months term
  • Eight year and older models up to 24 months.

The amount financed is based on NADA values and can be up to NADA retail value including all options and adjustments. NADA value quotes are available. Terms and loan advance amount guidelines as stated are subject to market conditions and collateral evaluation. Pictures of the RV may be required. Collision and Liability insurance coverage is generally required. Credit Life and Credit Disability are available. Preapproval is recommended. Interest rate reductions apply for account relationships.

Financing available on current year model or untitled prior year. 100% financing is available up to Manufacturer’s Suggested Retail Price plus tax, title and registration. New Boat cost guide available for price verification. Loan term is typically up to 60 months however 72 months is available for qualified loan amount in excess of $27,000. If financing more than $40,000 an 84 month term may be granted. Credit life, Credit Disability available. Preapproval is recommended. Interest rate reductions apply for account relationships.

Financing terms are based, in part, on the year model of the Boat.

  • Current, One or Two year old models up to 60 months term (72 months for amounts greater than $27,000.)
  • Three and Four year old models up to 60 months term
  • Five year old models up to 48 months term
  • Six and Seven year old and older models up to 36 months term
  • Eight year and older models up to 24 months.

The amount financed is based on NADA values and can be up to NADA retail value including all options and adjustments. NADA value quotes are available. Terms and loan advance amount guidelines as stated are subject to market conditions and collateral evaluation. Pictures of the Boat may be required. Collision and Liability insurance coverage is generally required. Credit Life and Credit Disability are available. Preapproval is recommended. Interest rate reductions apply for account relationships.

Financing available on current year model or untitled prior year. 100% financing is available up to Manufacturer’s Suggested Retail Price plus tax, title and registration. New motorcycle cost guide available for price verification. Loan term is typically up to 60 months however 72 months is available for qualified loan amount in excess of $27,000. If financing more than $40,000 an 84 month term may be granted. Credit life, Credit Disability available. Preapproval is recommended. Interest rate reductions apply for account relationships.

Financing terms are based, in part, on the year model of the motorcycle.

  • Current, One or Two year old models up to 60 months term (72 months for amounts greater than $27,000.)
  • Three and Four year old models up to 60 months term
  • Five year old models up to 48 months term
  • Six and Seven year old and older models up to 36 months term
  • Eight year and older models up to 24 months.

The amount financed is based on NADA values and can be up to NADA retail value including all options and adjustments. NADA value quotes are available. Terms and loan advance amount guidelines as stated are subject to market conditions and collateral evaluation. Pictures of the motorcycle may be required. Collision and Liability insurance coverage is generally required. Credit Life and Credit Disability are available. Preapproval is recommended. Interest rate reductions apply for account relationships.

Texas Telcom Credit Union has partnered with a third party mortgage underwriter to assist our members with home loans. Mortgage rates and terms change almost daily. For information about applying for a mortgage or to refinance your existing mortgage contact our lending department at 214-320-8818.