As a member of TIC Federal
Credit Union, you have advantages over other car buyers with
TIC's low-rate loans and convenient auto-financing guide.
Auto Center helps you through the auto-financing or refinancing
process by providing you the tools and resources to help you
finance a new or used vehicle with the right loan and interest
rate.
Auto, Boat, Motorcycle and RV Loan
Rates
Now is the
time to purchase that new or used car, truck, van,
SUV, boat, motorcycle or RV. TIC is offering rates
as low as 5.50% APR for 60 months!
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New
or Used Vehicles |
Term |
APR*
With Payroll Deduction (1,2) |
APR*
Without Payroll Deduction (1,2) |
| Up to 24 Months |
|
As low as 4.75% |
| 25-36 Months |
As low as 4.75% |
As low as 5.00% |
| 37-48 Months |
As low as 5.25% |
As low as 5.50% |
| 49-60 Months |
As low as 5.50% |
As low as 5.75% |
| 61-72 Months3 |
As low as 5.75% |
As low as 6.00% |
| 73-84 Months3 |
As low as 6.25% |
As low as 6.50% |
1 |
All rates may vary
depending on each individual's credit history and underwriting
factors. |
2 |
Rates quoted for terms 24-71 months
are based on minimum loan amount of $15,000. For loan
amounts $5,000-$14,000, add one percent. For loans up
to $4,999, add two percent. |
3 |
Minimum loan amount on terms 72
months and up is $25,000. |
4 |
See bottom of page for more important
rate information. |
* |
APR = Annual Percentage Rate |
Members Insurance Program
You trust TIC Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you MEMBERS Auto and Homeowners Insurance. Auto and Homeowners Insurance is now available through our website to provide better convenience to our members. Click here to find out more. Below are just some of the benefits you will enjoy:
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MEMBERS® Auto and Homeowners is the property and casualty coverage solution most preferred by credit unions and their members.
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Convenient e-service, pay your bill or make changes to your policy, even report a claim. All online.
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Receive fast, easy access to claims service 24-hours a day.
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Obtain a free no obligation quote to locate an agent at the local Liberty Mutual sales office.
TIC strives to be your premier financial institution and we want our members to feel confident they have the most secure policies available, while also getting the most for your money. For more information about how you can start saving on your insurance with TIC visit the MEMBERS Auto and Homeowners Insurance site today!
Members Auto and Homeowners Insurance is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. Insurance coverage and discounts may vary by state. Group discounts are not available in all states. To the extent permitted by law, applicants are individually underwritten, some applicants may not qualify. A consumer report from a consumer reporting agency and/or motor vehicle will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not insured by the NCUSIF or guaranteed by your credit union.
You are about to access services provided by third parties not affiliated with TIC. Therefore by clicking on the links above you will be leaving TIC Federal Credit Union's Web Site. These services are brought to you through an agreement between TIC Federal Credit Union and the following third parties. However, these sites are not operated by TIC Federal Credit Union. Privacy and security policies may differ between TIC Federal Credit Union and these third parties. You should understand that TIC Federal Credit Union does not represent either the third party or the member if the two enter into a transaction.
Auto
Extended Warranty Services
InterContinental Warranty Services, Inc. (IWS) is committed
to offering credit union members vehicle protection programs
commonly known as Vehicle Service Agreements (VSA) and Mechanical
Breakdown Insurance (MBI). This commitment has driven IWS
to become the most innovative, progressive and respected company
in the automotive insurance industry.
IWS's flexible protection
program will safeguard you from the high costs of future mechanical
repairs on your new or used car. Repairs on covered vehicles
can be made at any licensed repair facility within the U.S.
or Canada.
Credit Union Members Can Save Up To 50%
- The cost of these top of the line coverage’s may be included in your TIC FCU auto loan for just pennies per day.
- Your car’s resale value immediately increases with transferable coverage.
- 60 day money back guarantee
PREMIER BLUE
Named Component Coverage
Vehicle Service Agreement
For more information about Premier Blue Coverage, Click Here
ULTRA GOLD & PLUS GOLD
Named Exclusion Coverage
Vehicle Service Agreement
For more information about Ultra Gold & Plus Gold Coverage, Click Here
Chrome
Carbook
TIC offers Chrome Carbook to help you research your new automobile.
Chrome Carbook is an online research system that allows you
to get the information you need when shopping for a new car.
The benefits include:
- MSRP (Manufacturer's Suggested Retail
Price) and Dealer Invoice Price
- Investigate more than 6,000 Makes and
Models
- Specify standard and optional equipment
- Compare vehicles side-by-side
- Find wholesale and retail prices for
used cars
- Request quotes from dealers in our 20,000
dealer database
Click
here for more information.
Credit
Life and Disability Insurance
In the event of your death, Credit Life insurance pays the
insured balance of your auto loan, up to the policy maximum.
Should you become disabled by a covered sickness or accident,
your loan payments are protected. Applying for Credit Life
and Credit Disability insurance is easy. The sooner you enroll,
the sooner you'll have this important financial coverage working
for you and your family. See a TIC Full Service Representative
for more information.
Guaranteed
Auto Protection
Auto Protection (GAP) is a loan/lease
balance deficiency waiver designed to eliminate your unpaid
net loan/lease balance in the event your vehicle is stolen
or damaged beyond repair (totaled). The GAP waiver relieves
you of the responsibility for the full loan/lease deficiency
balance that the proceeds from your primary insurance policy
or any applicable third party insurance policy does not cover.
See a TIC Full Service Representative for more information.
TIC
Autos For Sale
Need a new car or truck? TIC sells repossessed automobiles. Click here to see the autos
TIC has for sale.
4 |
The following rates apply if your secured advance is repaid by payroll deduction: A 24-month term has a rate as low as 4.50% and an estimated monthly payment of $43.65 per $1000 borrowed. A 25-36 month term has a rate as low as 4.75% and an estimated monthly payment of $29.87 to $42.10 per $1000 borrowed. A 37 – 48 month term has a rate as low as 5.25% and an estimated monthly payment of $23.15 to $29.34 per $1000 borrowed. A 49 – 60 month term has a rate as low as 5.50% and an estimated monthly payment of $19.11 to $22.84 per $1000 borrowed. A 61 – 72 month term has a rate as low as 5.75% and an estimated monthly payment of $16.46 to $18.95 per $1000 borrowed. A 73 – 84 month term has a rate as low as 6.25% and an estimated monthly payment of $14.74 to $16.51 per $1000 borrowed.
The following rates apply if you do not have payroll deduction: A 24-month term has a rate as low as 4.75% and an estimated monthly payment of $43.77 per $1000 borrowed. A 25 – 36 month term has a rate as low as 5.00% and an estimated monthly payment of $29.98 to $42.21 per $1000 borrowed. A 37 – 48 month term has a rate as low as 5.50% and an estimated monthly payment of $23.26 to $29.45 per $1000 borrowed. A 49 – 60 month term has a rate as low as 5.75% and an estimated payment of $19.22 to $22.95 per $1000 borrowed. A 61 – 72 month term has a rate as low as 6.00% and an estimated monthly payment of $16.58 to $19.07 per $1000 borrowed. A 73 – 84 month term has a rate as low as 6.50% and an estimated monthly payment of $14.86 to $16.63 per $1000 borrowed.
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