RATES  ARE ACCURATE  AS OF January 1, 2022 

TYPE OF LOAN 
VEHICLES AND MOTORCYCLES 

Auto Loans 
Recreational Vehicles (New & Used) 

HOME EQUITY LINES OF CREDIT 

RATE AS LOW 
AS
1.69% Fixed APR* 
7.50% Fixed APR* 

PrimeLine Account 

4.25% Variable APR*  

DISCLOSURE 

*Annual Percentage  Rate. Rates,  terms,  and repayment
options subject  to approval.

*APR = Annual Percentage Rate. Rates subject to
change without notice. Loans subject to approval.
Actual rate will be determined by LTV. This rate 
varies with the market based on Prime Rate. NMLS 
ID 462532.   Equal Housing Lender. 

HOME EQUITY LOANS 

1ST  Mortgage  

1.99% Fixed APR* 

2nd Mortgage 

3.99% Fixed APR* 

*APR = Annual Percentage  Rate. Rates subject  to change
without notice.  Loans subject  to approval. Actual rate
will be determined  by credit  score  and loan term.  Contact
a TFCU representative  for full details. NMLS ID 462532. 
Equal Housing Lender.

PERSONAL LOANS 

9.99% APR* 

*Annual Percentage  Rate. Loans subject  to approval.

CREDIT CARDS 

Visa Platinum Preferred 
introductory 7.50% 
Fixed APR** 
Visa Platinum as low as 
11.25% Variable APR* 

*Annual Percentage Rate.
**Annual Percentage Rate. Offer valid on new Visa 
Platinum  Preferred credit cards. Introductory period 
begins at Visa account opening and lasts for 12 months. 
Valid for purchases and balance transfers only. Cash 
advances will receive the standard rate, currently 
10.50% – 13.25% Variable APR, based on credit 
worthiness. This APR varies with the market based on 
Prime Rate. When the introductory period ends, the rate 
will return to the standard rate. Card type and APR are 
subject to approval. Ask a TFCU representative for full 
details. 

APPLY  F OR  A  LOAN

APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM PREFERRED/VISA PLATINUM/VISA
PLATINUM SHARE SECURED

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum Preferred
2.99%

 Introductory APR for a period of(cid:3)12 billing cycles.

or 1(cid:22).25%
,
After that, your APR will be
based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

1(cid:19).50%(cid:3) 1(cid:20).00%
,

Visa Platinum
1(cid:20).25%(cid:15)(cid:3) (cid:20)(cid:20)(cid:17)(cid:26)(cid:24)(cid:8)(cid:15)(cid:3) (cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:8)(cid:3) (cid:82)(cid:85)(cid:3) 1(cid:24).00%(cid:3)
,
when you open your account,(cid:3)based on your creditworthiness. This APR will(cid:3)
vary with the market based on the Prime Rate.

(cid:57)(cid:76)(cid:86)(cid:68)(cid:3)(cid:38)(cid:85)(cid:72)(cid:71)(cid:76)(cid:87)(cid:3)(cid:53)(cid:72)(cid:69)(cid:88)(cid:76)(cid:79)(cid:71)(cid:72)(cid:85)
1(cid:27)(cid:17)(cid:19)(cid:19)%

This APR will vary with the market based on the(cid:3)Prime Rate.

APR for Balance Transfers

Visa Platinum Preferred
2.99% Introductory APR (cid:3)(cid:3)

(cid:73)(cid:82)(cid:85)(cid:3)(cid:68)(cid:3)(cid:83)(cid:72)(cid:85)(cid:76)(cid:82)(cid:71)(cid:3)(cid:82)(cid:73)(cid:3)(cid:20)(cid:21)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17)

.

After that, your APR will be
,(cid:3)based on your
(cid:3)1(cid:19).50(cid:8)(cid:15) 1(cid:20).00%
creditworthiness. This APR will vary with the market based on the Prime(cid:3)(cid:3)
Rate.

1(cid:22).25%

or

Visa Platinum

(cid:20)(cid:20)(cid:17)(cid:21)(cid:24)(cid:8)(cid:15)(cid:3)(cid:20)(cid:20)(cid:17)(cid:26)(cid:24)(cid:8)(cid:15)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:8)(cid:3)(cid:82)(cid:85)(cid:3)(cid:20)(cid:24)(cid:17)(cid:19)(cid:19)(cid:8)(cid:3)when you open your(cid:3)(cid:3)account,(cid:3)based on 
your creditworthiness. This APR will vary with the market(cid:3)(cid:3)based on the 
Prime Rate.

(cid:57)(cid:76)(cid:86)(cid:68)(cid:3)(cid:38)(cid:85)(cid:72)(cid:71)(cid:76)(cid:87)(cid:3)(cid:53)(cid:72)(cid:69)(cid:88)(cid:76)(cid:79)(cid:71)(cid:72)(cid:85)

(cid:20)(cid:27)(cid:17)(cid:19)(cid:19)%
This APR will vary with the market based on the(cid:3)Prime Rate.

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum Preferred
1(cid:19).50% 1(cid:20).00% 1(cid:22).25%
creditworthiness. This APR will vary with the market based on the Prime(cid:3)
Rate.

, when you open your account, based on your

or

,

Visa Platinum
1(cid:20).25%(cid:15)(cid:3)(cid:20)(cid:20)(cid:17)(cid:26)(cid:24)(cid:8)(cid:15)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:8)(cid:3)(cid:82)(cid:85)(cid:3)(cid:20)(cid:24)(cid:17)(cid:19)(cid:19)(cid:8)(cid:3)when you open your(cid:3)account,(cid:3)based
on your creditworthiness. This APR will vary with the market(cid:3)based on the 
Prime Rate.

V(cid:76)(cid:86)(cid:68)(cid:3)(cid:38)(cid:85)(cid:72)(cid:71)(cid:76)(cid:87)(cid:3)(cid:53)(cid:72)(cid:69)(cid:88)(cid:76)(cid:79)(cid:71)(cid:72)(cid:85)
1(cid:27)(cid:17)(cid:19)(cid:19)%

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR will vary with the market based on the(cid:3)Prime Rate.
Your due date is at least 25 days after the close of each billing cycle. We will
not charge you any interest on purchases if you pay your entire balance by
the due date each month.

To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars

Up to(cid:3)$3(cid:19).00
Up to(cid:3)$2(cid:19).00

How We Will Calculate Your Balance:
We use a method called(cid:3)"average daily balance (excluding new purchases and balance transfers) (including new cash(cid:3)
advances)."

Promotional Period for Introductory APR -(cid:3)Visa Platinum Preferred:
The(cid:3) Introductory(cid:3) APR(cid:3) for(cid:3) balance(cid:3) transfers(cid:3) (cid:68)(cid:81)(cid:71)(cid:3) (cid:83)(cid:88)(cid:85)(cid:70)(cid:75)(cid:68)(cid:86)(cid:72)(cid:86)(cid:3) will(cid:3) apply(cid:3) to(cid:3) transactions(cid:3) posted(cid:3) to(cid:3) your(cid:3) account(cid:3) from(cid:3)
(cid:19)(cid:20)/01/202(cid:21)(cid:3) until(cid:3)0(cid:22)/(cid:22)(cid:20)/202(cid:21)(cid:3).(cid:3)Any(cid:3)existing(cid:3)balances(cid:3)on(cid:3)Tucson(cid:3)Federal(cid:3)Credit(cid:3)Union(cid:3)loan(cid:3)or(cid:3)credit(cid:3)card(cid:3)accounts(cid:3)are(cid:3)
not(cid:3)eligible(cid:3)for(cid:3)the(cid:3)Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of:(cid:3)(cid:45)(cid:68)(cid:81)(cid:88)(cid:68)(cid:85)(cid:92)(cid:3)1,(cid:3)20(cid:21)(cid:21)(cid:17)
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For(cid:3) California(cid:3) Borrowers,(cid:3) the(cid:3) Visa(cid:3) Platinum(cid:3) Preferred,(cid:3) Visa(cid:3) Platinum(cid:3) and(cid:3) Visa(cid:3) Platinum(cid:3) Share(cid:3) Secured(cid:3)
are(cid:3)secured(cid:3)credit(cid:3)cards.(cid:3)Credit(cid:3)extended(cid:3)under(cid:3)this(cid:3)credit(cid:3)card(cid:3)account(cid:3)is(cid:3)secured(cid:3)by(cid:3)various(cid:3)personal(cid:3)property(cid:3)
and(cid:3)money(cid:3) including,(cid:3) but(cid:3) not(cid:3) limited(cid:3) to:(cid:3) (a)(cid:3) any(cid:3) goods(cid:3) you(cid:3) purchase(cid:3) with(cid:3) this(cid:3) account,(cid:3) (b)(cid:3) any(cid:3) shares(cid:3)
you(cid:3)specifically(cid:3)pledge(cid:3)as(cid:3)collateral(cid:3)for(cid:3)this(cid:3)account(cid:3)on(cid:3)a(cid:3)separate(cid:3)Pledge(cid:3)of(cid:3)Shares,(cid:3)(c)(cid:3)all(cid:3)shares(cid:3)you(cid:3)have(cid:3)in(cid:3)
any(cid:3)individual(cid:3)or(cid:3)joint(cid:3)account(cid:3)with(cid:3)the(cid:3)Credit(cid:3)Union(cid:3)excluding(cid:3)shares(cid:3)in(cid:3)an(cid:3)Individual(cid:3)Retirement(cid:3)Account(cid:3)or(cid:3)in(cid:3)
any(cid:3)other(cid:3) account(cid:3) that(cid:3) would(cid:3) lose(cid:3) special(cid:3) tax(cid:3) treatment(cid:3) under(cid:3) state(cid:3) or(cid:3) federal(cid:3) law,(cid:3) and(cid:3) (d)(cid:3) collateral(cid:3) securing(cid:3)
other(cid:3)loans(cid:3)you(cid:3)have(cid:3)with(cid:3)the(cid:3)Credit(cid:3)Union(cid:3)excluding(cid:3)dwellings.(cid:3)Notwithstanding(cid:3)the(cid:3)foregoing,(cid:3)you(cid:3)acknowledge(cid:3)
and(cid:3)agree(cid:3) that(cid:3)during(cid:3) any(cid:3)periods(cid:3) when(cid:3)you(cid:3)are(cid:3)a(cid:3)covered(cid:3) borrower(cid:3) under(cid:3) the(cid:3) Military(cid:3) Lending(cid:3) Act(cid:3)your(cid:3) credit(cid:3)
card(cid:3)will(cid:3) be(cid:3)secured(cid:3) by(cid:3)any(cid:3)specific(cid:3) Pledge(cid:3) of(cid:3)Shares(cid:3) you(cid:3)grant(cid:3) us(cid:3) but(cid:3) will(cid:3) not(cid:3) be(cid:3) secured(cid:3) by(cid:3) all(cid:3)shares(cid:3) you(cid:3)
have(cid:3) in(cid:3) any(cid:3) individual(cid:3) or(cid:3) joint(cid:3) account(cid:3) with(cid:3) the(cid:3) Credit(cid:3) Union.(cid:3) For(cid:3) clarity,(cid:3) you(cid:3) will(cid:3) not(cid:3) be(cid:3) deemed(cid:3) a(cid:3) covered(cid:3)
borrower(cid:3)if:(cid:3)(i)(cid:3)you(cid:3) establish(cid:3) your(cid:3) credit(cid:3) card(cid:3) account(cid:3) when(cid:3) you(cid:3) are(cid:3) not(cid:3) a(cid:3) covered(cid:3) borrower;(cid:3) or(cid:3) (ii)(cid:3) you(cid:3) cease(cid:3)
to(cid:3)be(cid:3)a(cid:3)covered(cid:3)borrower.

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
20.00%(cid:3)of the interest due, if you are(cid:3)10 or more days late in making a payment. However, the fee will not exceed(cid:3)$3(cid:19).00.

Returned Payment Fee:
$(cid:21)(cid:19).00(cid:3)or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$3(cid:22).00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$5.00.

Emergency Card Replacement Fee:
$40.00.

Pay-by-Phone Fee:
$20.00.

Rush Fee:
$40.00.

Statement Copy Fee:
$2.00.

Non-TFCU ATM Fee:
$2.00(cid:3)per transaction.

Copy of Visa Voucher Fee:
$5.00(cid:3)per copy.

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)