Auto Loans
Don’t let financing stop you from getting where you need to go! Let TCU be your source for new and used car loans. Looking for the best rates? We offer competitive rates and flexible terms tailored to your specific needs.
Recreation Loans
Boats, RVs, ATVs, Snowmobiles, and so much more…Sun or Snow, we are here to help bring the fun. Whether your recreational vehicle is new or new to you, we want to ensure you make the most of every season.
Personal Loans
Whether you’re planning a major purchase, consolidating debt, or covering unexpected expenses, our unsecured personal loans can help you borrow with confidence. Check out our competitive rates and flexible options designed with your financial goals in mind.
Complete Credit Card
Our credit card combines competitive rates, convenient account access, and the trusted service you expect from your credit union. It’s a simple, flexible way to pay for everyday purchases and life’s unexpected expenses.
*Payments in the Payment Calculator are estimates. Payment Calculations are based on individual rates and terms. Contact a Loan Specialist to determine actual rates and payments.
Auto Loans
Rates starting at
5.50%*
*All rates are subject to change at any time. All rates are listed as APY.
To set up an appt in person, contact the branch at 269-948-8369
Auto Loan Features
- Debt Protection with Life Plus – Safeguard against the unexpected.
- GAP Plus insurance
- Mechanical Repair Coverage – Essential Protection against unexpected costs.
- E-Titles (see below)
Documentation Needed:
- Paystubs within the last 30 days for all individuals on the loan
- Paystubs must include: name, dates, company name, tax breakdown, and pay breakdown (hours/salary)
- Previous job history for two years, including employer name and start and end dates.
- Sales Agreement if purchasing from a dealership.
- If purchasing from a private party:
- Copy of the title
- A photo of the vehicle
- For 2014 and older, a video of it running with the VIN visible.
- Mileage of the Vehicle
- Vehicle Insurance Provider
- 3 references: name, address, and phone number
Recreation Loans
Boats, RVs, ATVS, Snowmobiles, etc
Rates starting at
7.25%*
*All rates are subject to change at any time. All rates are listed as APY.
To set up an appt in person, contact the branch at 269-948-8369
Recreation Loan Features
- Debt Protection with Life Plus – Safeguard against the unexpected.
Untitled Recreational Loans
Recreational vehicles like Tractors, lawn equipment, or some trailers may be subject to different rates and terms. Please speak with a loan representative to determine if your loan fits into this category.
Documentation Needed:
- Paystubs within the last 30 days for all individuals on the loan
- What payment range would you like to stay in?
- Previous job history for the past 2 years, including employer name and start and end dates.
- Sales Agreement if purchasing from a dealership.
- If purchasing from a private party:
- Copy of the title (if applicable)
- A photo of the item
- Mileage of the Vehicle (if applicable)
- Vehicle Insurance Provider (if applicable)
- 3 references: name, address, and phone number
Personal Loans
Rates starting at
11.25%
*All rates are subject to change at any time. All rates are listed as APY.
To set up an appt in person, contact the branch at 269-948-8369
Personal Loan Features
- Debt Protection with Life Plus – Safeguard against the unexpected
Emergency Loan
In a difficult situation and need some assistance? We offer an emergency loan specifically designed for times of hardship.
Documentation Needed:
- Paystubs within the last 30 days for all individuals on the loan
- What payment range would you like to stay in?
- Previous job history for the past 2 years, including employer name and start and end dates.
- What you are using the funds for.
- 3 references: name, address, and phone number
Complete Credit Cards
Rates starting at
8.99%*
*All rates are subject to change at any time. All rates are listed as APY.
Complete Credit Card Disclosures and Cardholder Agreement
To set up an appt in person, contact the branch at 269-948-8369
Features and Rewards
- Balance Transfers receive 1.00% off the current rate.
- Minimum payment is calculated at 2% of card balance or $20.00 (whichever is greater).
Documentation Needed:
- Pay stubs within the last 30 days for all individuals on the loan
- What payment range would you like to stay in?
- Previous job history for the past 2 years, including employer name and start and end dates.
- What are you using the funds for?
- 3 references: name, address, and phone number
What you need to know about E-Titles
Thornapple Credit Union’s ELT number is LH029824.
- All titles issued on or after October 1, 2023, in Michigan with a lienholder will be electronic, regardless of which financial institution financed them.
- Mailed physical titles take longer to arrive. It can take 2-3 weeks to receive a paper title by mail from the Secretary of State. If you need your title sooner, instantly, or on the same day, title service is available at all Secretary of State offices for a fee. TCU’s lien is released on titles 5 business days after receiving the payoff by check, or the next day if paying off with cash.
- If the title to the vehicle being purchased is electronic, you will not have a physical title at the time of sale.
- The State of Michigan suggests that you, as the seller, draft a Bill of Sale between you and your buyer that includes the vehicle information and the terms of the sale.
- If you sell your current vehicle with an electronic title and have an outstanding loan with TCU, the buyer may ask for a copy of your title.
- Once the buyer’s transaction pays the loan in full, the Michigan Department of State (MDOS) will print and mail you a free-and-clear title.
- When you receive the title, sign it as a seller and provide the paper title to your buyer. The buyer will take the signed title to the Secretary of State to transfer ownership.