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
Gimme A Break Loan
What is a “Gimme A Break Loan”
The purpose of this loan type is to meet the needs of members who use expensive payday lenders, or who are considering it. Our intent is
to break the cycle of costly payday lenders, putting more cash in your pocket in the long run and enabling you to establish a savings account
with a balance big enough that you can draw on it rather then on a payday loan, once you break the cycle.
READ MORE ABOUT THE "GIMME A
BREAK" LOAN HERE >>>
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
Mortgage Loans
Experience the benefits of mortgage lending will all of the advantages of Credit Union service. Tombstone FCU has joined forces with a locally owned Credit Union Service Organization (CUSO) to offer you a wide variety of home mortgage loans at competitive rates when you are ready to purchase a new home or refinance an existing home.
Click here for more information and to apply online.
Construction and Land Loans
Considering building a new home? Our partnership with Centennial Lending allows us to offer flexible rates and terms and experienced lenders who will do their best to make this dream a reality. Even if you’re not ready to buld right now, we can help you secure that perfect lot with a land loan.
Click here for more information and to apply online.
Business Loans
It is no secret that to be successful in business you need to do it better than the competition. So, it’s no surprise that you expect the best financial solutions to give you to give your business the edge. Tombstone FCU, in partnership with Centennial Lending, offers a variety of business loan programs to assist you in carrying out your business plan.
Click here for more information and to apply online.
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.
