TriBoro Logo

Home
About Your Credit Union
Member Service
Share Certificates and IRA's
Loans
VISA
Rateboard
Home Banking
Debit Card
Newsletters
Board Members and Directors
Links
Calculators
Order Checks Online

Loan & Credit Card Rates

Accurate as of
Revised March 18, 2014
Rates are subject to change without notice

There is a $20.00 Loan Application Fee.

Personal Secured Loan
Loan Type APR as low as...** Term
Share Secured 4.99% Up to 60 months
Certificate Secured 4.99% Up to 60 months
*Annual Percentage Rate

Personal Unsecured Loan
Loan Type APR as low as...** Term
Signature Loans 7.59% 36 months
  7.79% 48 months
  7.99% 60 months
Personal Service Loan 7.79% Payments are $3.00
for every $100.00 borrowed
**Rates will be determined by member's credit worthiness

Loan Type APR as low as...* Term
New Car/Truck 1.49% Up to 24 months
  1.79% Up to 36 months
  2.19% Up to 48 months
  2.39% Up to 60 months
  2.69% Up to 72 months
Used Car/Truck 2.54% Up to 24 months
  2.64% Up to 36 months
  2.74% Up to 48 months
  2.84% Up to 60 months
  3.79% Up to 72 months
New Motorcycle, Recreational Vehicle, or Boat 5.49% Up to 48 months
  5.74% Up to 60 months
  5.99% Up to 72 months
Used Motorcycle, Recreational Vehicle, or Boat 5.74% Up to 48 months
  5.99% Up to 60 months
  6.24% Up to 72 months
New Recreational Vehicle / Boat 6.24% 7 years
  6.74% 10 years
  7.24% 15 years
Used Recreational Vehicle / Boat 6.74% 7 years
  7.24% 10 years
  7.74% 15 years
Older model vehicles (2006 and older)
Includes cars and trucks
5.74% Up to 36 months
Older model Motorcycle, Recreational
Vehicle or Boat (2006 & older)
8.94% Up to 36 months
Older model Recreational Vehicle or Boat
(2006 & older)
9.94% 7 years
  10.44% 10 years
  10.94% 15 years
New ATV 8.00% Up to 48 months
  8.50% Up to 60 months
  9.00% Up to 72 months
Used ATV 8.25% Up to 48 months
  8.75% Up to 60 months
  9.25% Up to 72 months
**.25% will be added for a refinance of an existing Tri Boro loan
New 2014-2013 Models or Demos with under 5,000 miles
Rate is determined by member's credit worthiness and borrowing limits.
All loan approvals are subject to normal underwriting guidelines.
Older vehicles will be subject to a Condition Report.
Vehicle loans may require 20% - 25% downpayment. All vehicles must be titled.
*Annual Percentage Rate
Financing must originate at Tri Boro FCU

Model Year Maximum Term
2014-2011 Up to 72 months
2010-2009 Up to 60 months
2008-2007 Up to 48 months
2006 and Older Up to 36 months
Includes Cars, Trucks, Motorcycles, and ATV's

Real Estate Loans
Loan Type APR as low as...** Term
Home Equity Loans First Lien Position at 80% LTV or Lower 2.79% 3 Year
  2.99% 5 Year
  3.29% 7 Year
  3.49% 10 Year
  3.99% 15 Year
  4.35% 20 Year
Home Equity Loans Second Lien Position at 80% LTV or Lower 3.29% 3 Year
  3.49% 5 Year
  3.79% 7 Year
  3.99% 10 Year
  4.74% 15 Year
  4.94% 20 Year
Home Equity Check Credit 3.25% Variable
Loans under $100,000.00 will pay closing costs of $399.00.
Interest rate will be 1.00% higher than advertised rate for loan amounts exceeding 80% of house value, up to 90% LTV max,
Loans over $100,000 call for closing fees.
Interest rates will be .25% higher for a No cash out refinance of an existing Tri Boro loan
if not borrowing a minimum of $5,000 in new money.
**Rates will be determined by member's credit worthiness

First Mortgages (Financing up to 95% LTV)
Duration Rates as low as APR*
10 Years 2.875% + 0 Points 3.375%
  2.75% + 1 Point 3.25%
  2.625% + 2 Points 3.125%
15 Years 3.25% + 0 Points 3.75%
  3.125% + 1 Point 3.625%
  3.00% + 2 Points 3.50%
20 Years 3.875% + 0 Points 4.375%
  3.75% + 1 Point 4.25%
  3.625% + 2 Points 4.125%
30 Years 4.25% + 0 Points 4.75%
  4.125% + 1 Point 4.625%
  4.00% + 2 Points 4.50%
Rates are available for purchase money, refinances from other financial institutions, or refinances of Tri Boro FCU loans when over $5,000 in new money is borrowed.
Borrower will pay all closing costs. There is an additional 1/2 pt fee for cash out refinances.
Loans over $417,000.00 will have 1/8% added to their base rate
Loans over 80% LTV will have 1/8% added to their base rate, and Private Mortgage Insurance (PMI) required. Maximum LTV is 95%
All mortgage rates are subject to approval. Counteroffers may be made
$5,000.00 minimum on First Mortgage Loans and Home Equity Check Credit Loans
"No cash out" modification rates of Tri Boro loans are available. Borrower will pay a modification fee.

VISA
  APR
Classic 12.75%
Platinum 12.50%
Platinum Preferred* 9.90%
Student 6.99%

* Platinum Preferred requires a minimum account balance of $500.00 in shares or certificates.

Important Changes to your Visa Account
effective March 1, 2011

  • $10.00 Annual Fee
  • $25.00 Cash Advance Fee
  • $25.00 Balance Transfer Fee
  • $5.00 Card Replacement Fee
  • $5.00 Pin Replacement Fee

PLEASE NOTE:
Subject to change without notice. Call credit union for updated rates.
Certain restrictions may apply


Privacy Disclosure

Terms & Conditions
Please contact us with any questions or comments:
Phone: (412) 461-3018 | Fax: (412) 461-0842| Email: info@triboro-fcu.org