Topeka Police Department Credit Union

star 9 AM to 2 PM M-F star 320 South Kansas, Suite 100, Topeka, KS 66603-3619 star (785) 368-9436 star FAX (785) 368-9008 seperator

Loans Disclosure Policy for New Loans Only

Effective December 1, 2017

Interest Rates are determined by the purpose of the loan request
Loans Secured by Shares 2.70% APR Length of Loan to be determined
Loans Secured by Share Certificates 3.70% APR Length of Loan to be determined
 
Student Loans:
Maximum Loan: $6,000.00
Maximum time to payoff loan not to exceed 6 years
Loan Rates: 6% & 7% APR
Determined by Loan/Risk Evaluation Score
New and Used Cars, Trucks, Motorcycles, Boats, Antique Vehicles (35 years or older)
Antique Vehicle Rate will be New Car rate and length of loan to be determined up to 144 months
Up to 60 Months Up to 72 Months
2018 and 2017 4.90% or 6.90% APR 5.40% or 7.40% APR    
2016 and 2015 5.65% or 7.65% APR 6.15% or 8.15% APR    
2014 and 2013 6.30% or 8.30% APR 6.80% or 8.80% APR
2012  and Older 7.05% or 9.05% APR 7.30% or 9.30% APR

New and Used Lawn Equipment, Small Watercraft, Non-Highway Vehicles, Tractors:

2018 and 2015 6.45% or 8.45% APR 6.95% or 8.95% APR 7.45% or 9.45% APR
2014 and 2009 6.95% or 8.95% APR 7.45% or 9.45% APR 7.95% or 9.95% APR
2008  and Older 7.45% or 9.45% APR 7.95% or 9.95% APR 8.45% or 10.45% APR
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0 to $5,000 36 Months
$5,001 to $10,000 48 Months
$10,001 to $15,000 60 Months
$15,001 and Above 72 Months
New and Used Motor Homes, Recreational Vehicles:
Up to 60 Months Up To 96 Months To 144 Months
2018 and 2017 4.90% or 6.90% APR 5.40% or 7.40% APR 5.90% or 7.90% APR
2016 and 2015 5.65% or 7.65% APR 6.15% or 8.15% APR 6.65% or 8.65% APR
2014 and 2013 6.30% or 8.30% APR 6.80% or 8.80% APR 7.40% or 9.40% APR
2012 and Older 7.05% or 9.05% APR 7.30% or 9.30% APR 8.15% or 10.15% APR
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0 to $10,000 48 Months
$10,001 to $20,000 60 Months
$20,001 to $30,000 96 Months
$30,001 to $45,000 144 Months
Unsecured Loans:
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
1st year membership Up to $2,000 up to 24 Months
Past the 1st year Up to $4,000 up to 48 Months
High Credit 10.75% APR Up to $4,000 up to 48 Months
Mid Credit 12.75% APR Up to $4,000 up to 48 Months
All other Loans Secured with Proper Collateral
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
10.75% or 12.75% APR Up to 48 Months
Police Equipment Loans - Equipment must have serial number assigned to them
Interest Rate 5.75% or 7.75% APR - based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
Up to $3,000
Up to 24 months

Rates listed are the Annual Percentage Rates (APR). All rates are subject to credit approval, and are subject to change without notice. Rates apply to new TPCU loans and refinances from other financial institutions. All rates listed are best qualifying rates. Your rate will be determined by your credit background, specific loan terms, and collateral.
Board of Directors November 15, 2017
Topeka Police Department Credit Union

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