Loan Products

Products and Rates

We offer the following types of loans. Click on your choice for the current rates.

Consumer Loans

Vehicle Loans

Tombstone FCU will finance up to 130% of dealer invoice for new cars and 130% of KBB retail for used cars depending on your credit score.  At TFCU we believe members with lower scores should still be able to purchase a vehicle, however, we may only finance a portion, not the whole vehicle or suggest you buy a smaller less expensive car. See the rate sheet for how much we will finance.

We also participate in the statewide CU Advantage program where you can go direct to the dealer to purchase your vehicle and have it financed through Tombstone FCU.   We have access to all the dealers in the state of Arizona.  We (not you) pay a $35.00 fee to CU Advantage for each approved loan.  We (not you) pay a flat fee for document processing to the dealer for each loan closed.  The interest rate you pay will be the same as if you came into the lobby to apply for the loan.   Let us know how this service works for you, the next time you go car shopping.  Click here to obtain a list of participating dealers.

If you are buying a used car, go to CAR FACTs and get one free history to ensure your "new to you" car isn't a Katrina Restoration.... http://www.carfax.com.

Click here for our current rates

Unsecured Loans

We offer several options for unsecured loans, which are subject to our underwriting requirements.  We offer fixed term closed end loans or lines of credit.

Click here for our current rates

Lines of Credit

We offer a regular line of credit for those who need and qualify. You can access this in person, over the phone, or over the internet.

If you qualify, we offer overdraft protection and will allow you to overdraft into your line of credit. 

We do not provide courtesy pay, as we believe the fees are cost prohibitive to most members.

Click here for our current rates

Line of Credit tied to your Visa Check Card

For members who qualify, we offer a line of credit that will be funded when you access your accounts with your VISA card and there are no immediate funds available.  The minimum draw is $500.00.

Equity Loans

We offer both a fixed rate and term equity loan and an adjustable equity loan. The express version is up to 100% tax value, less any first mortgage obligation,
limited title search at $100.00, and flood certification of $12.00.  We will apply the same concept to a home equity line of credit as long as it is within 100% of tax
value.

For members who need more than their tax value, we offer 80% of appraised value over 20 years. This requires a full appraisal, and a full title, plus title insurance.

Apply on line under your home banking account or call 520-457-3551 extension 26 to apply now!

Click here for our current rates

First Mortgage Loans

Center One Mortgage assists us in underwriting and servicing our first mortgage program.  Center One offers more competitive rates and lower fees than the competition.  Tombstone Federal Credit Union funds the loan and the loan remains on our books until and unless we sell it (which hasn't happened in fifty years) so your funds remain local.

For purchase money and conventional construction loans we encourage you to compare Center One using their free rate quote calculator.

Click here for Center One rates fee quote
 

Business Loans

The credit union will underwrite smaller business purpose loans under $50,000, based on our underwriting guidelines and regulatory requirements. Currently we are only offering the same type of loans we would make for consumers, those secured by vehicles, real estate, or lines of credit tied to a visa card.

For more robust services we are currently referring to Newtek Business Loan Center.

Reduce Costs!

Business owners, you can save on paychecks by transferring your employee's net payroll into their accounts at TFCU, either with Phone Teller or with Internet Teller. Save your employees the frustration of standing in line at the credit union waiting to cash their checks.  If they have a good account history with us and others, we can offer them a Visa ATM card to access their funds at an ATM near them to save them the weekly trip in town.