Innovative Steps for Buying Your Dream Car
A new car is second only to a home as the most expensive purchase many consumers make. That's why knowing how to make an intelligent deal is essential. Read More!
Accelerate Toward Your Dream Car.
If you're looking for a new car and could use some help, TENCU offers simple financing, competitive rates, and flexible auto loan terms that fit your style and budget. Our goal is to put the keys in your hands faster for less.
Features
-
- Option to delay your first payment for 90 days.1
- No money down options are available.
- No hidden fees, costs, or early-payoff penalties.
- Affordable payment plans customized to your needs.
- Select terms up to 84 months.
- Payment Protection, GAP, and Extended Warranty coverages are available at low cost.
- The credit qualifications of the applicant will determine the maximum financing available.
Your new vehicle is just a click away!
Are You in the Market for a Pre-Owned Vehicle?
We understand that purchasing a pre-owned vehicle can make you nervous. However, we're dedicated to alleviating your worries and empowering you throughout your car-buying journey. We provide an enticing combination of low interest rates, flexible terms, and wallet-friendly payment options. Drive away with confidence and trust in TENCU for your auto loan needs.
Features
-
- Option to delay your first payment for 90 days.1
- No money down options are available.
- No hidden fees, costs, or early-payoff penalties.
- Affordable payment plans customized to your needs.
- Select terms up to 84 months.
- Payment Protection, GAP, and Extended Warranty coverages are available at low cost.
- The credit qualifications of the applicant will determine the maximum financing available.
Let's find your perfect match!
Do You Need a Recreational Vehicle for a Fun Outdoor Adventure?
If you want an exciting new adventure, TENCU is here to finance almost anything you want on wheels- from Motorcycles, ATVs, RVs, Boats, and more! Experience an unforgettable outdoor journey by financing a new or pre-owned recreational vehicle today.
Features
-
- No early payoff penalties
- Easy application process
- Easy budgeting with fixed payments over a fixed term.
- Competitive rates and terms
- Payment Protection coverage is available at a low cost
Start your next adventure now!
Are you looking to save money on your auto loan?
Did you know that if you have an auto loan from another financial institution, you can refinance with us and get up to 2% off3 your current rate? That's right - refinancing with TENCU could lower your monthly payments and save big over time!
Why Refinance with TENCU?
-
- Enjoy rates as low as 5.74% APR2
- Flexible terms up to 84 months
- Option for no payment for 90 days1
- Protect your vehicle with our range of protection plans, including Mechanical Repair Coverage, Guaranteed Auto Protection Plans, and Debt Protection Plans.
How It Works:
-
- Apply: Start by completing our simple online application form. It only takes a few minutes!
- Review: Once we receive your application, our dedicated team will review your information and reach out to discuss your refinancing options.
- Approval: Upon approval, we'll guide you through the rest of the process, including closing your existing loan and setting up your new loan with TENCU.
- Enjoy the Savings: Sit back, relax, and enjoy the benefits of your newly refinanced auto loan with TENCU!
Don't wait any longer to save money on your auto loan. Refinance with TENCU today and shift gears towards a brighter financial future!
Ready to get started? Apply now or contact us at 1-844-468-3628 for more information.
Unbeatable Deals on Pre-Owned Vehicles.
Navigate through our extensive range of repossessed vehicles to find your perfect ride at an unbeatable price. TENCU offers various options to match every preference and need, ensuring you'll encounter the ideal vehicle that exceeds your expectations. Browse our inventory today, and let us facilitate your journey to drive away in the car of your dreams.
TrueCar Member Showroom
Experience the convenience of our credit union car buying service, TrueCar Member Showroom. Discover the perfect new or used vehicle and obtain a price quote along with your Guaranteed Savings Certificate, all before even setting foot in a dealership.
Your next journey begins here!
Exclusive Vehicle Auctions
Your Ideal Ride Awaits – Browse Our Inventory Now
Dive into a world of exceptional savings with our featured vehicles, now open for bids. Discover quality cars at competitive prices, making your dream of owning a reliable vehicle more attainable.
Don't Miss Out, Bid Now!
Car Value Guides
Decode Your Car's Market Value
Protect Your Investment
Purchasing a vehicle is one of the most important investments you will make. Protecting this investment with add-on options that you can finance into your loan is essential so that you are not coming out of pocket for any expenses.
Guaranteed Asset Protection (GAP) Coverage
If your car is totaled or stolen and not recovered, your insurance company may only pay the actual cash value of your vehicle, an amount often less than your loan balance. With Guaranteed Asset Protection (GAP), you won't have to come up with out-of-pocket cash to pay the loan principal deficit. No one wants to continue making loan payments on a car that no longer exists or can no longer be used!
Extended Warranty Protection
Repairs on your vehicle can be a pain for anyone's pockets. With any vehicle, there is always a chance of having a major mechanical breakdown. An Extended Warranty helps you enjoy your new purchase without worrying about expensive repairs. You can buy an extended auto warranty anytime, even after the original manufacturer's warranty has expired. This option is available on new and used cars.
Payment Protection
Life's uncertainties shouldn't jeopardize your financial stability. Our debt protection program is designed to cancel your loan balance or monthly payments in the unfortunate events of disability or death. Gain peace of mind knowing that your loan won't become a financial burden during challenging times.
Insurance Options
TENCU proudly offers TruStage Insurance Agency products and programs to help members protect what matters most. Easily price shop your auto & home insurance rates with TruStage Auto & Home Insurance. Consider adding optional benefits like:
Features
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- Accident Forgiveness: Your rates won't rise due to your first accident.1
- 24-hour Roadside Assistance; a tow or jumpstart is a phone call away.2
- Better Car Replacement: With this optional feature, you can replace a totaled car with a newer model.
If you need assistance or have questions, call us and ask to speak with a loan representative at 1-844-468-3628, Monday-Friday, 8:00 a.m.-5:00 p.m. (CT), or email [email protected]
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1A 90-day deferral of the first payment is available on all auto loans for well-qualified borrowers. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 90-day deferral program is subject to change at any time. Rate and terms are based on evaluating the applicant’s creditworthiness, so your rate may differ. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Membership with Ten Credit Union is required to obtain a loan.
2APR = Annual Percentage Rate. Actual rate may vary based on vehicle model year, credit score, surcharges, loan term, and loan-to-value. The term of the loan may vary based on the amount financed. All loan approvals are based on standard underwriting guidelines. Must meet existing auto loan guidelines to qualify. The rate cannot fall lower than 5.74% APR and will not exceed 18% APR. The borrower’s rate will not be below the qualifying rate based on the term. All Credit Union loan programs, rates, terms & conditions are subject to change at any time without notice. Payment example 1: $10,000 borrowed at 5.49% APR for 24 months = $440.91/month. Payment example 2: $10,000 borrowed at 6.24% APR for 60 months = $194.45/month.
3Must meet existing auto loan guidelines to qualify. The minimum refinance amount is $10,000. Actual rate may vary based on credit score, discounts and/or surcharges, vehicle model year, loan term, and loan-to-value. The term of the loan may vary based on the amount refinanced. 2% off the APR applies to competitors’ rates on new or refinanced autos as long as the APR does not fall below Ten Credit Union's qualifying rate for the term of the loan. The annual percentage rate will not be lower than 5.74% APR and will not exceed 18% APR. Cannot be combined with other offers. 2% off is not eligible for loans currently financed with Ten Credit Union. Certain restrictions apply. All Credit Union loan programs, rates, terms & conditions are subject to change at any time without notice. Federally insured by NCUA.
*The annual percentage rate (APR) and terms are based on the applicant’s creditworthiness. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. This offer does not apply to loans currently financed with Ten Credit Union. Membership with Ten Credit Union is required to obtain a loan. Other restrictions may apply.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
Effective Date: January 22, 2024
Longer terms are available.
| Loan Type | Annual Percentage Rate1 Starting At |
Months |
|---|---|---|
| 2019 - Current New or Used Auto |
6.24%2 | 63 |
| 2014 - 2018 Used Auto |
7.24%2 | 48 |
| 2013 - Older Used Autos |
8.24%2 | 48 |
1Annual Percentage Rate (APR) on Loan Accounts, effective January 22, 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2The Base Annual Percentage Rate (APR) is the advertised rate and can vary based on creditworthiness, vehicle age, mileage, and loan terms. Financing up to the retail value of the auto is available. Visit a Ten Credit Union branch or call 1-844-468-3628 to speak with a loan officer to determine the rate you qualify for. Speak with a loan officer to discuss options and choose the rate you are eligible for.
For example, 10,000 borrowed at 6.24% APR for 60 months = $194.45/month.
Believe It! Money Market Rates
Effective Date: February 1, 2024
| Minimum to Open | Term | Dividend Rate1 | Annual Percentage Yield2 | Dividends Credited3 |
|---|---|---|---|---|
| $2,500.00 | Daily | 0.10% | 0.10% | Monthly |
1All Dividend Rates and Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.
2APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
Boat Loans
Effective Date: December 20, 2023
| Loan Type | Annual Percentage Rate1 Starting At |
Months |
|---|---|---|
| 2023 - current New |
8.49%2 | 48 |
| 2018 - current Used |
8.99%2 | 48 |
| 2013 - 2017 Used |
9.99%2 | 48 |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Certificate & Investment Rates
$500 Minimum to Open
Effective Date: February 1, 2024
| Term | Dividend Rate | Annual Percentage Yield1 | Dividends Credited2 |
|---|---|---|---|
| 91 Days (3 Month) | 0.55% | 0.55% | Quarterly |
| 182 Days (6 Month) | 1.10% | 1.10% | Quarterly |
| 9 Month | 1.29% | 1.30% | Quarterly |
| 12 Month | 1.54% | 1.55% | Quarterly |
| 18 Month | 1.74% | 1.75% | Quarterly |
| 24 Month | 1.99% | 2.00% | Quarterly |
| 36 Month | 2.67% | 2.70% | Quarterly |
| 48 Month | 2.67% | 2.70% | Quarterly |
| 60 Month | 2.67% | 2.70% | Quarterly |
1APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
Checking
Effective Date: February 1, 2024
| Product | Dividend Rate | Annual Percentage Yield1 | Minimum to Open | Minimum to Earn Dividends2 | Dividends Credited3 |
|---|---|---|---|---|---|
| Experience Checking | 0.30% | 0.30% | $5.00 | $10,000 |
Monthly |
| Free Checking | 0% | 0% | $5.00 | $0.00 | |
| Restart Checking | 0% | 0% | $5.00 | $0.00 |
1APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividends are earned monthly and calculated using the average daily balance method.
3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
Mortgage & Home Refinance Loan Rates
Call us for our current low rates: (615) 244-1910.
1Annual Percentage Rate (APR) is variable based on an index plus a margin. APR is based on the evaluation of the applicant’s credit qualifications and associated LTV ratio. Available on new HELOCs only. Your actual APR may vary. All balances will accrue interest at the variable APR in effect for your account. The variable APR, as low as 4.25% APR, is based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter, as stipulated by your original terms and conditions. The maximum APR is 18%. All rates and offers are current as of April 4, 2020, and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. You may not pay off or make payments to other Ten Credit Union loans, credit cards, or accounts with these proceeds. Membership with Ten Credit Union is required to obtain a loan. Please get in touch with us for more information.
Motorcycle Loans
Effective Date: December 20, 2023
| Year | Annual Percentage Rate1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current > 3,000 miles New |
8.49%2 | 48 | Longer terms available |
| 2018 - Current Used8 |
8.99%2 | 48 | Longer terms available |
| 2013 - 2017 Used |
9.99%2 | 48 | Longer terms available |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Personal Loans
Effective Date: December 20, 2023
| Loan Type | Annual Percentage Rate1 Starting At | Months | |
|---|---|---|---|
| Signature (Personal) | 11.49%2 | 24 | Longer Terms Available. |
| Personal Line of Credit | 13.65% | ||
| Certificate Secured | Starting at Deposit APY + 2.00% | 36 | $3,000 Minimum Amount. Longer Terms Available. |
1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2Rate and term are based on the evaluation of the applicant’s creditworthiness. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Offer is subject to change without notice. Membership with Ten Credit Union is required to obtain a loan. A 60-day deferral of the first payment is available on this loan. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 60-day deferral program is subject to change at any time.
Prime Money Market Rates
$10,000.00 Minimum to Open
Effective Date: February 1, 2024
| Tier Level | Dividend Rate1 | Annual Percentage Yield2 | Dividends Credited3 |
| up to $2,499 | 0.10% | 0.10% | Quarterly |
| $2,500 | 0.25% | 0.25% | Quarterly |
| $10,000 | 0.30% | 0.30% | Quarterly |
| $25,000 | 0.35% | 0.35% | Quarterly |
| $50,000 | 0.40% | 0.40% | Quarterly |
| $100,000 | 0.45% | 0.45% | Quarterly |
| $300,000 | 0.50% | 0.50% | Quarterly |
1All Dividend Rates and Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.
2APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
Recreational Vehicle Loans
(Marine, RVs, Campers, ATV, and UTVs)
Effective Date: January 22, 2024
| Loan Type | Annual Percentage Rate1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current | 8.49%2 (New) | 48 | Longer terms are available. |
| 2019 - Current | 8.99%2 (Used; Refinance) | 48 | Longer terms are available |
| 2014 - 2018 | 9.99%1 (Used; Refinance) | 48 | Longer terms are available |
| 2013 - Older | 9.99%1 (Used; Refinance) | 36 | Longer terms are available |
1Annual Percentage Rate (APR) on Loan Accounts, effective January 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Share Certificate Promotions
Effective Date: February 20, 2024
| Annual Percentage Yield1 |
Term | Minimum to Open | Dividends Credited2 |
|---|---|---|---|
| 4.95% | 5 Month3 | $10,000.00 | Quarterly |
| 4.50% | 7 or 9 Month4 | $5,000.00 | Quarterly |
1APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
3 After the maturing term for the 5-month share certificate and rate, the share certificate will roll over to a 6-month share certificate at the then current market rate, respectively. This promotion is for new money and requires a minimum opening deposit of $10,000.
4After the maturing term for the 7-month share certificate and rate, the share certificate will roll over to a 7-month share certificate at the then current market rate, respectively. 4After the maturing term for the 9-month share certificate and rate, the share certificate will roll over to a 9-month share certificate at the then current market rate, respectively.
Shares Rate Schedule
Effective Date: February 1, 2024
| Product | Dividend Rate | Annual Percentage Yield1 | Minimum to Open | Minimum to Earn Dividends2 | Dividends Credited3 |
|---|---|---|---|---|---|
| Share Savings | 0.10% | 0.10% | $5.00 | $250.00 | Quarterly |
| Christmas Club | 0.15% | 0.15% | $0.00 | $100.00 | Quarterly |
| Summer Fun | 0.15% | 0.15% | $0.00 | $100.00 | Quarterly |
| IRA Accumulation | 0.20% | 0.20% | $100.00 | $250.00 | Quarterly |
| Roth IRA | 0.20% | 0.20% | $100.00 | $250.00 | Quarterly |
1APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividends are earned quarterly and calculated using the average daily balance method.
3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
VISA Rewards Credit Card
| Annual Percentage Rate1 Starting At | Months | |
|---|---|---|
| 13.65% APR1 | N/A | No Annual Fee; No Balance Transfer Fees |
1Annual Percentage Rate (APR) is current as of June 2023 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 13.15% to 17.99% based on the applicant's creditworthiness. This APR will vary with the market based on the Prime Rate as disclosed in the Wall Street Journal plus or minus a margin based on your credit history. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change. Membership with Ten Credit Union is required to obtain a credit card. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.