TelComm Credit Union publishes current loan rates for all lending products, including auto loans, home loans, home equity loans, and personal loans, so members can plan and compare with confidence. As a not-for-profit financial cooperative, TelComm works to offer competitive rates that save members money over the life of their loan. Check this page for the most current rate information across all TelComm loan products.
APR = Annual Percentage Rate
Dividend rates declared and paid quarterly.
Rates may vary and are subject to change without notice.
| NEW 2025–2026 | As low as 4.49% APR |
| Pre-Owned 2022–2024 | As low as 4.99% APR |
| Pre-Owned 2016–2021 | As low as 6.24% APR |
| Pre-Owned 2015 & Older | As low as 8.99% APR |
| Up to 84 month terms, please call for details | |
| TelComm CU offers home purchase, refinance, fixed rate equity, variable rate equity line of credit and small rental property loans. | See Rate Details |
| Loans originated at TCU generally have lower fees than other lenders | |
| NEW 2025–2026 | As low as 6.49% APR |
| Pre-Owned 2022–2024 | As low as 6.99% APR |
| Pre-Owned 2016–2021 | As low as 8.24% APR |
| Pre-Owned 2015 & Older | As low as 10.99% APR |
| MasterCard Smart Fixed Rate Credit Card | As low as 10.90% APR |
| MasterCard Rewards Variable Rate Credit Card | Variable |
| MasterCard Secured Credit Card | As low as 14.90% APR |
| Unsecured | As low as 6.49% APR |
| Share Secured | As low as 5.00% APR |
| Non-Owner Occupied Rental Property (1–4 units only) | Variable |
- NEW 2025–2026
- As low as 4.49% APR
- Pre-Owned 2022–2024
- As low as 4.99% APR
- Pre-Owned 2016–2021
- As low as 6.24% APR
- Pre-Owned 2015 & Older
- As low as 8.99% APR
- Up to 84 month terms
- Please call for details
- TelComm CU offers home purchase, refinance, fixed rate equity, variable rate equity line of credit and small rental property loans.
- Loans originated at TCU generally have lower fees than other lenders
- NEW 2025–2026
- As low as 6.49% APR
- Pre-Owned 2022–2024
- As low as 6.99% APR
- Pre-Owned 2016–2021
- As low as 8.24% APR
- Pre-Owned 2015 & Older
- As low as 10.99% APR
- MasterCard Smart Fixed Rate Credit Card
- As low as 10.90% APR
- MasterCard Rewards Variable Rate Credit Card
- Variable
- MasterCard Secured Credit Card
- As low as 14.90% APR
- Unsecured
- As low as 6.49% APR
- Share Secured
- As low as 5.00% APR
- Non-Owner Occupied Rental Property (1–4 units only)
- Variable
Frequently Asked Questions
Current rates for all TelComm lending products including auto loans, home loans, home equity loans, adventure loans, and personal loans are published on the Loan Rates page at TelCommCU.com.
Loan rates are reviewed and updated regularly based on market conditions. We recommend checking the Loan Rates page or contacting us directly at 417.886.5355 for the most current information.
TelComm offers both fixed and variable rate options depending on the loan product. Home equity loans carry a fixed rate, while HELOCs carry a variable rate. Auto loans and personal loans are typically fixed. Contact us for specifics on any product.
As a not-for-profit member-owned cooperative, TelComm works to offer loan rates that are competitive with or lower than many traditional banks, since we return value to members rather than outside shareholders.
Rate lock availability varies by loan type. Contact a TelComm loan officer at 417.886.5355 for details on rate lock options for home loans and other products.
Your loan rate is typically influenced by your credit score, loan term, loan amount, debt-to-income ratio, and the type of loan you are applying for. A TelComm loan officer can walk you through what to expect based on your specific situation.
