Collateral Loans:  2007 and newer Collateral loans include Auto, Boat, Watercraft, RV, Motorcycle, ATV, Farm Equipment. If collateral is used, call for NADA value.
Loan Type (2009-New) New & Used Auto New & Used Auto New & Used Auto
Months Financed 36-60 61-75 78-84
Tier 1 & 2 700-up 2.20% 2.70% 3.70%
 Tier 3 650-699 3.20% 3.49% 4.70%
 Tier 4 630-649 5.49% 5.49% 6.49%
Tier 5 600-629 9.25% N/A N/A
 Tier 6 <599 13.24% N/A N/A
2008 and older
36-60
4.94%
5.94%
6.74%
9.74%
13.74%
Signature Loans Signature loans are 1.50% times your monthly income with a maximum to $5000.00
Signature Loan
Months Financed 12 13-24 25-36 37-48 49-60
 Tier 1   750+ 7.99% 8.00% 8.50% 9.00% 9.25%
 Tier 2 700-749 8.25% 8.50% 9.00% 9.50% 9.75%
  Tier 3 650-699 9.00% 9.50% 9.75% 10.00% 10.50%
  Tier 4 600-649 9.25% 9.75% 10.00% 10.50% 12.25%
 Tier 5  <599 11.25% 11.50% 11.75% 12.25% 12.50%
 Tier 6 No Score 13.75% 14.00% 14.25% 14.50% 14.75%
All Special Loan promotions are set by the board of directors.
Collateral other than Autos
up to 63 up to 75
3.49% 3.49%
4.49% 4.49%
7.24% 7.74%
10.24% 10.74%
12.24% 12.74%
Boat & RV Loans  7 - 10 Years
Risk Score: Months:   84 96 108 120
700+ 7.25% 8.25% 9.25%
650-699 9.25% 10.00% 10.50% 11.50%
649 &  below 12.75%
109 N. Temple Drive Diboll, Texas 75941 936-829-1616 877-829-1616 936-829-1122 Fax
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 Tier 7 No Score 14.24% N/A N/A
Tier 1 700-up
Tier 2 650-699
Tier 3 600-649
Tier 4 <599
Tier 5 No Score
Christmas Loans Oct 1 - Jan 31 up to $2500 for 18 months
Risk Score: 700+ 600-699
6.75% 7.55% 9.00% 10.25%
500-599 No Score
For credit scores 650+ get 0.10% off any collateral loans if you purchase either C/L & Dis, GAP or Warranty.
Collateral Loans other than AUTOS include: Boat, Watercraft, RV’s, Motorcycle, ATVs, Farm Equipment. Age of collateral 2009 and newer.
Christmas Loans $2,500 up to 18 months October 1, 2017 to January 31, 2018 Apply Today!
Effective June 23, 2017 All loans are subject to credit approval and normal loan policies apply. Rates are subject to change without notice. EXCLUDES existing TIFCU loans. Rates are for new purchase or refinance from another finacial institution.
LOAN RATES
Rates are expressed as Annual Percentage Rate
See rates below.