Collateral Loans Collateral loans 2014 & older include Auto, Boat, Watercraft, RV, Motorcycle, ATV, Farm Equipment. If collateral is used, call for NADA value.
Loan Type (2014-New) New & Used Auto New & Used Auto New & Used Auto
Months Financed 36-60 61-75 78-84
Tier 1 & 2 700-up 5.99% 6.49% 7.19%
 Tier 3 650-699 6.99% 7.49% 8.49%
 Tier 4 630-649 9.50% 10.49% 11.49%
Tier 5 600-629 14.49% N/A N/A
 Tier 6 <599 14.99% N/A N/A
2013 and older
1-60
9.19%
10.49%
11.49%
14.49%
14.99%
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+ 11.25% 11.50% 11.75% 12.00% 12.25%
 Tier 2 700-749 12.00% 12.25% 12.75% 13.25% 13.50%
  Tier 3 650-699 12.75% 13.25% 13.50% 13.75% 14.25%
  Tier 4 600-649 13.00% 13.50% 13.75% 14.25% 14.99%
 Tier 5  <599 14.99% 14.99% 14.99% 14.99% 14.99%
 Tier 6 No Score 14.99% 14.99% 14.99% 14.99% 14.99%
All Special Loan promotions are set by the board of directors.
Collateral other than Autos (2014 and newer)
up to 63 up to 75
6.99% 7.49%
8.49% 8.99%
11.99% 12.99%
14.99% 14.99%
14.99% 14.99%
Boat & RV Loans  2015 & Newer
Risk Score: Months:   84
700+ 8.99%
650-699 9.99%
109 N. Temple Drive Diboll, Texas 75941 936-829-1616 877-829-1616 936-829-1122 Fax
 Tier 7 No Score 14.99% N/A N/A
Tier 1 700-up
Tier 2 650-699
Tier 3 600-649
Tier 4 <599
Tier 5 No Score
For credit scores 650+ get 0.10% off any collateral loans if you purchase either C/L & Dis, GAP or Warranty. Get .25% off for having an active checking account on collateral loans. Active means having Direct Deposit, a Debit Card or Home Banking.
Collateral Loans other than AUTOS include: Boat, Watercraft, RV’s, Motorcycle, ATVs, Farm Equipment. Age of collateral 2013 and newer.
Effective December 31, 2023 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 financial institution.
LOAN RATES
Rates are expressed as Annual Percentage Rate
Insurance Loan              15%
Fresh Start Loan            15%
700+ 650-699 649 & below
9.49% 10.49% 12.49%
LAWN MOWER - Till 9/30
700+ 600-699 500-599
8.29% 8.99% 10.99%
2024 Loans - $5000 up to 36 mo Christmas Loans -$2500 up to 12 mo
Christmas Loans $750 for 12 months @ 17.99%. Must be a member since August 1, 2023 and have direct deposit. No credit check. Must provide check stub. October 2 - January 31, 2024