Username Password Enroll In Online Banking BANK BORROW BUSINESS MEMBER SERVICES MEMBER BENEFITS RATES CONTACT LOCATIONS HOME Commercial Loan Rates Choose from a full range of business loan options with flexible terms and affordable rates so you can meet your company's growing needs. Effective 11/1/2021 LOAN TYPE ANNUAL PERCENTAGE RATE¹ (AS LOW AS) TERM LIMITATIONS MAX AMOUNT Residential Real Estate (non-owner occupied) 1st Lien 4.25% 5 years; 20 years amortization. Single or multi-family (up to 4 units) 80% LTV lower of the cost or appraised value $1,000,000 Commercial Real Estate 1st Lien 4.25% 5 years; 20 years amortization. 80% LTV lower of the cost or appraised value $2,000,000 Residential Real Construction (non-owner occupied) 1st Lien 4.25% 5 years; 20 years amortization. 9 months interest only at locked rate. 80% LTV lower of the cost or appraised value $1,000,000 Commercial Construction 1st Lien 4.25% 5 years; 20 years amortization. 12 months interest only at locked rate. 80% LTV lower of the cost or appraised value $2,000,000 Land X We do not grant land loans but will consider land as collateral. Max LTV 65% X Commercial Vehicle (title secured) 4.75% .50% for each year in excess of 5 Lesser of 8 years or remaining useful life. 75% of Retail Value $200,000 Bus Loans New or Used 4.75% .25% for each year in excess of 5 Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65% $110,000 Equipment 4.75% .50% for each year in excess of 5 Lesser of 8 years or remaining useful life. Case to case determination based on type of equipment. LTV 65% $100,000 Working Line of Credit 6.00% Draws limited to 1 year. Annual extension available. Requires 30 day resting period. $100,000 revolving or term Visa Platinum 8.00% Reviewed annually. Payment equal to 2.00% of balance calculated monthly $50 minimum payment. $25,000 revolving Share Secured 3% above share rate Up to 10 years depending on amount borrowed. 95% LTV 105% pledge Up to Share Balance 1 Stated APR is the lowest rate available for qualified members. Real Estate rates are based daily from TCM. Other rates based on Prime Rate plus a risk adjustment. Prime Rate: 5.00% © 2021 Tidemark Federal Credit Union. All Rights Reserved. Privacy Notice I Forms & Disclosures I Fee Schedule I Site Map I Careers I Website Accessibility Federally Insured by NCUA [3cx-clicktotalk id="1770" title="Live Chat & Talk item 1"] 302-629-0100 I 855-697-2328 I Email Us I Routing Number: 231176884 I ATM & Branch Locations