We make the dream of home ownership a reality. Because of our financial strength and nonprofit status, we are able to offer mortgage rates that are almost always lower than other financials.

Current Rate*:
Balloon, 3-year As low as 5.30% APR**
Fixed 10 to 30 years Call for current rates

With a home equity loan (HE) or line of credit (HELOC), the equity you’ve built in your home serves as collateral. Equity is the difference between your home’s market value and the amount outstanding on your mortgage. You can use a HE loan or HELOC to borrow for many things including home improvements, a new vehicle, your child’s college education, or even a vacation!

HE Current Rate*:
80% Loan to Value (LTV) As low as 6.70% APR**

HELOC Current Rate:
80% Loan to Value (LTV) 5.50% APR**

We offer vehicle loans with some of the lowest rates anywhere. THFCU vehicle loans come with loan protection insurance and you can be pre-approved for a loan before you even head to the dealership. If you are currently using dealer financing, you can still refinance your vehicle through THFCU and take advantage of our great member-to-member service and low rates.

Current Rate*:
Short Term (up to 3 years)
   New As low as 2.55% APR**
   Used As low as 2.80% APR**

Standard Term (up to 5 years)
   New As low as 4.35% APR**
   Used As low as 4.75% APR**

Extended Term (up to 6 years on loan amounts > $20,000)
   New As low as 4.35% APR**
   Used As low as 4.75% APR**

Want to take advantage of all four of our seasons? How about a snowmobile, ATV, personal watercraft, boat, RV, camping trailers, travel trailers and motor homes? THFCU can finance your recreational vehicles at a great interest rate.

Important! Change to the Federal Student Lending Process
With the recently enacted Health Care and Education Affordability Reconciliation Act of 2010, the Federal Family Educational Loan (FFEL) Program has been eliminated. Private lenders such at THFCU, no longer have a role in originating or funding federal Stafford, PLUS or Consolidation Loans.

Federal Direct Student Loans
All new federal student loans will be issued via the William D. Ford Direct Loan Program. The lender for federal loans will be the U.S. Department of Education rather than Your Credit Union or other financial institutions.
Stafford and PLUS Loans: Visit the Department of Education website for information about Federal Direct Stafford and PLUS loans. It is suggested that you stay in close contact with your school?s Financial Aid Office to apply and monitor application status.
Consolidations Loans: You may have the opportunity to consolidate your existing loans through the Federal Direct Loan Consolidation Loan Program. Visit the Department of Education Consolidation Loan website
Direct Lending Borrowing Aids: Although THFCU will no longer be funding federal student loans, we would like to continue to assist you in whatever way we can. See one of our staff for more information on what financial aids we offer to students.

For Information on Existing Loans
For questions or services related to an existing FFEL secured through THFCU, contact us at (218) 834-2266.

For questions regarding who holds or services your existing federal student loan, please access the National Student Loan Database, which is a Department of Education central database for student aid.

Three types of personal loans are offered which do not require collateral pledged as security.

Signature Loans: