Loan Rates
Looking for a better way to borrow? You'll find it here.
We're a not-for-profit credit union, which means we focus on delivering great loan rates to our members. Get more loan and less process while shopping for the affordable financing you need.
Check rates for auto loans, home loans, personal loans and lines of credit
Compare the current rates of our two Visa credit cards
Get the money you need to take on your next project. There's more value for your dollar when you borrow from TAPCO, because we're committed to providing loans that lift you up.
| Vehicle Type | Lowest APR* | Highest APR* |
|---|---|---|
| New Car or Truck - Previously Not Titled | 5.49% | 15.49% |
| Car or Truck - 2018 and Newer | 5.99% | 17.99% |
| Car or Truck - 2017 and Older | 6.49% | 17.99% |
| Green Autos - Vehicle must be listed on EPA's Smartway® website | 5.24% | 17.99% |
| Classic Car - 30 years or older | 6.99% | 17.99% |
| Street Legal Motorcycles - New or Used | 6.49% | 13.34% |
| Recreational Vehicle | 7.89% | 17.99% |
| Boat | 7.89% | 17.99% |
| Other Secured Loan (Dirt Bike, Jet Ski, etc.) | 9.74% | 14.24% |
| Loan Type | Lowest APR* | Highest APR* |
|---|---|---|
| 10 Year Fixed Rate 2nd Mortgage up to 95% CLTV | 7.49% | 9.24% |
| 15 Year Fixed Rate 2nd Mortgage up to 95% CLTV | 7.99% | 9.74% |
| Home Equity Line of Credit | 8.24% | 12.00% |
| Loan Type | Lowest APR* | Highest APR* |
|---|---|---|
| 10 Year up to 80% LTV | 6.20% | 7.95% |
| 15 Year up to 80% LTV | 5.90% | 7.65% |
| 20 Year up to 80% LTV | 6.30% | 8.05% |
| Loan Type | APR* Range |
|---|---|
| 15 Year Mortgage | Daily Mortgage Rates |
| 30 Year Mortgage | Daily Mortgage Rates |
| Loan Type | Lowest APR* | Highest APR* |
|---|---|---|
| Personal Loan | 9.99% | 17.99% |
| TAP-Line Personal Line of Credit | 15.99% | 15.99% |
| Share Secured Loan | 3.01% | 15.01% |
The rates listed here are for illustration purposes only and are subject to change without notice. All loans are subject to credit approval. Your rate and term will be determined by individual creditworthiness, qualifications, loan amount, loan term, collateral, and your use of rate reductions available to members. Payment example: 60 monthly payments of $22.25 per $1,000.00 borrowed with 11.99% APR. *All loan rates are based on Annual Percentage Rates (APR). TAP-Line Personal Line of Credit is an unsecured open-end consumer loan that consists of a fixed Annual Percentage Rate (APR) of 15.99% APR. Loan amounts range from $500 to $25,000 depending on creditworthiness, current income, and other factors. Rate, limit, and conditions are subject to change. Membership is required. No payments for 90 days is optional. All loans are subject to approval.
| Card Type | Lowest APR* | Highest APR* | Rate Type |
|---|---|---|---|
| Visa Gold Rewards | 15.24% | 17.95% | Variable |
| Visa Premium | 13.24% | 17.95% | Variable |
*APR=Annual Percentage Rate. Your rate may increase or decrease if the Prime Rate as published in the Wall Street and can change monthly on the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of 5.74% - 10.45% for Premium; 7.74% - 10.45% for Rewards. Your variable rate will never be more than the maximum rate allowed by applicable law. Rates and fees are subject to change. Please visit your local branch or call us at 253.565.9895 or 800.345.7183.
All loans are subject to credit approval. Your rate and credit limit will be determined on individual creditworthiness and qualifications. Verification of income may be required. Must be 18 years of age to qualify for a loan. Membership is required.