Welcome to Your Mortgage Journey!
At TENCU, we are committed to delivering exceptional service. Our friendly loan officers are just a phone call away if you need assistance. Contact us at 1-844-468-3628 and experience a seamless mortgage journey.
Take the first step towards your new home!
APPLY NOW Rates
Applying online is easy — start your journey today!
- Click "Apply Now" to start your quick and user-friendly application.
- Submit your information, and our team will swiftly review it.
- Rest assured. Our dedicated TENCU Loan Officers are here to answer any questions.
- Enjoy peace of mind with our free pre-approvals, empowering you to shop for your dream home confidently.
Home Sweet Home: Mortgage Loans with TENCU
Unlock the door to your dream home with TENCU’s competitive mortgage loans! Enjoy flexible terms and personalized service that make home ownership easier than ever.
Take advantage of a TENCU Mortgage Loan Today:
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- Competitive Rates: Enjoy some of the best rates in the market.
- Flexible Terms: Tailor your mortgage to fit your financial situation.
- Easy Application Process: Apply quickly and effortlessly, getting you one step closer to your dream home.
- Personalized Service: Receive expert guidance and support throughout the entire process.
- Easy Online Payments: Manage your mortgage conveniently with our online payment system.
- Local Expertise: Benefit from our deep understanding of the local real estate market.
- Member-Focused Solutions: Our loans are designed with your needs in mind.
- Community Commitment: Trust in a credit union that is dedicated to helping our community thrive.
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Let's get started!
APPLY FOR A MORTGAGE
Discover the Benefits of Refinancing
Refinancing your mortgage opens the door to new possibilities, allowing you to revitalize your financial situation. At TENCU, we're here to guide you through this empowering journey, ensuring you make the most of your homeownership experience.
Take advantage of Refinancing your Mortgage with TENCU:
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- Lower Interest Rate: Reduce monthly mortgage payments.
- Cash-Out Option: Access home equity cash.
- Shorten Loan Term: Pay off mortgage faster.
- Extend Loan Term: Lower monthly payments.
- Switch to Fixed Rate: Ensure rate stability.
- Consolidate Debt: Manage finances more efficiently.
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Take control of your mortgage today!
Embrace the Versatility of Adjustable-Rate Mortgages (ARMs).
Experience the flexibility and potential cost savings of our Adjustable Rate Mortgages (ARMs). With an ARM, you can take advantage of lower interest rates during the initial loan period, making it an attractive option if you plan to repay the loan within a specific timeframe. Discover the benefits of an ARM and unlock opportunities for homeownership and financial success.
Take advantage of Adjustable-Rate Mortgages with TENCU:
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- Loan Term Options : Choose from 1/1, 3/1, 5/1, 7/1, and 10/1 terms with fixed interest rates for the initial years
- Initial Cost Savings: Take advantage of lower interest rates during the initial period of the loan
- Versatility: Suitable for various property types and occupancy purposes
- Cash-Out Refinance: Access the accumulated equity in your home for home improvements, debt consolidation, or investments
- Flexible Financing: Up to 90% Loan-to-Value available, depending on qualifying factors
- Lower Down Payment: Benefit from a 10% down payment option and eliminate the need for mortgage insurance
- Conversion Policy: Convert to a 30-year fixed period at the end of the term for a fee of $750
- Local Decision-Making: Benefit from efficient and prompt processing by our dedicated team
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Discover the advantages of an ARM.
Unlock Your Home's Power: Home Equity Line of Credit.
With our Home Equity Line of Credit (HELOC), you have the key to unlocking the value of your home. Borrow against the equity you've built and enjoy the freedom to use the funds whenever needed. Whether financing significant expenses, embarking on home improvements, planning a well-deserved getaway, or consolidating unwanted debt, our modern HELOC ensures you have the flexibility to achieve your goals.
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- What is a home equity line of credit? A HELOC is a second mortgage that provides you with cash based on the value of your home. You can draw from your HELOC and make monthly repayments like a credit card. You can access competitive rates and favorable terms by tapping into your equity—the difference between your home's value and the amount you owe on your primary mortgage. Even if you own your home outright, a HELOC can still serve as a primary mortgage.
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Take advantage of a HELOC:
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- Flexibility: Access funds when you need them on your terms
- Versatility: Use the funds for various expenses, from home improvements to debt consolidation
- Competitive Rates: Benefit from attractive interest rates based on your home's equity
- Monthly Repayment Options: Repay all or a portion of your HELOC balance monthly
- Financial Control: Take charge of your finances with easy access to your HELOC funds
- Convenient Access: Manage your HELOC and track your expenses conveniently online
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Utilize the value of your home with a HELOC.
Elevate Your Living Space with Our Equity Home Improvement Loan.
Transform your home into the living space of your dreams with our convenient Equity Home Improvement Loan. Whether you're planning to remodel a bathroom, upgrade your kitchen, or make energy-efficient improvements, our loan provides the perfect financing solution tailored to your home improvement needs.
Take advantage of a Home Equity Loan:
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- Collateralized Loan: Your home will serve as collateral, providing security for your investment in home improvement.
- Equity Requirement: Access the loan by leveraging the equity you have built in your home.
- Affordable Closing Costs: Enjoy the benefit of low closing costs, ensuring that more of your investment goes towards your home improvement project.
- Competitive Fixed Rates: Take advantage of our low fixed rates, providing stability and predictability throughout the loan term.
- Up to 90% Loan-to-Value: Unlock the potential of your home's equity with financing up to 90% Loan-to-Value, enabling you to fund a wide range of home improvement projects.
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Upgrade your living space.
1 Annual Percentage Rate (APR) is based on the evaluation of the applicant’s credit qualifications and associated Loan-to-Value (LTV) ratio. The variable APR in effect for your account, as low as 4.00% APR, is based on the Prime Rate as disclosed in the Wall Street Journal plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter, as stipulated by your original terms and conditions. Maximum APR is 18%. Other conditions may apply. Advance amounts must be within your existing credit limit. Membership with Ten Credit Union is required to obtain a loan.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
Longer terms are available.
| Loan Type | APR1 Starting At | Months |
|---|---|---|
| 2019 - Current New or Used Auto |
6.24% | 63 |
| 2014 - 2018 Used Auto |
7.24% | 48 |
| 2013 - Older Used Autos |
8.24% | 48 |
1APR = Annual Percentage Rate on Loan Accounts, effective January 22, 2024. All rates and terms are subject to change and individual credit approval. Membership with Ten Credit Union is required to obtain a loan. The Base Annual Percentage Rate (APR) is the advertised rate and may vary based on creditworthiness, vehicle age, mileage, and loan terms. Financing up to the retail value of the auto is available. For more information, please call 1-844-468-3628 or visit a Ten Credit Union branch to speak with a loan officer and determine the rate you qualify for.
For example, 10,000 borrowed at 6.24% APR for 60 months = $194.45/month.
Believe It! Money Market Rates
| Minimum to Open | APY1 | Dividends Credited2 |
|---|---|---|
| $2,500.00 | 0.10% | Monthly |
1APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Boat Loans
| Loan Type | APR1 Starting At | Months |
|---|---|---|
| 2023 - current New |
8.49% | 48 |
| 2018 - current Used |
8.99% | 48 |
| 2013 - 2017 Used |
9.99% | 48 |
1APR = Annual Percentage Rate on Loan Accounts, effective February 2023. All rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. APR is based on the applicant's credit history, credit qualifications, the age of the vehicle, and loan terms. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn at any time. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Checking
$5 Minimum to Open
| Product | APY1 | Minimum to Earn Dividends | Dividends Credited2 |
|---|---|---|---|
| Experience Checking | 0.30% | $10,000 |
Monthly |
| Free Checking | 0% | $0.00 | |
| Restart Checking | 0% | $0.00 |
1 APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Mortgage, Home Refinance, & Home Equity Loan Rates
Call us for our current low rates: (615) 244-1910.
1 APR = Annual Percentage Rate is a variable based on an index plus a margin. APR is based on the evaluation of the applicant’s credit qualifications and associated LTV ratio. Available on new HELOCs only. Your actual APR may vary. All balances will accrue interest at the variable APR in effect for your account. The variable APR, as low as 8.50% APR, is based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter, as stipulated by your original terms and conditions. The maximum APR is 18%. All rates and offers are current as of July 12, 2024, and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. Membership with Ten Credit Union is required to obtain a loan. Please get in touch with us for more information.
Motorcycle Loans
| Year | APR1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current > 3,000 miles New |
8.49% | 48 | Longer terms available |
| 2018 - Current Used |
8.99% | 48 | Longer terms available |
| 2013 - 2017 Used |
9.99% | 48 | Longer terms available |
1APR = Annual Percentage Rate on Loan Accounts, effective February 2023. Rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. APR is based on the applicant's credit history, qualifications, the age of the vehicle, and loan terms. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn at any time. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Membership with Ten Credit Union is required to obtain a loan. This offer does not apply to loans currently financed by Ten Credit Union.
Personal Loans
| Loan Type | APR1 Starting At | Months | |
|---|---|---|---|
| Signature (Personal) | 11.49% | 24 | Longer Terms Available. |
| Personal Line of Credit | 13.65% | ||
| Certificate Secured | Starting at Deposit APY2 + 2.00% | 36 | $3,000 Minimum Amount. Longer Terms Available. |
1APR = Annual Percentage Rate on Loan Accounts, effective February 2023. All rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. Rate and term are based on the evaluation of the applicant’s creditworthiness. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Offer is subject to change without notice. Membership with Ten Credit Union is required to obtain a loan. A 60-day deferral of the first payment is available on this loan. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 60-day deferral program is subject to change at any time.
2 APY = Annual Percentage Yield = APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
Prime Money Market Rates
$10,000.00 Minimum to Open. Rate adjusted based on account balance.
| Account Balance | APY1 | Dividends Credited2 |
| up to $2,499 | 0.10% | Quarterly |
| $2,500-$9,999 | 0.25% | Quarterly |
| $10,000-$24,999 | 0.30% | Quarterly |
| $25,000-$49,999 | 0.35% | Quarterly |
| $50,000-$99,999 | 0.40% | Quarterly |
| $100,000-$299,999 | 0.45% | Quarterly |
| $300,000 and up | 0.50% | Quarterly |
1 APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Recreational Vehicle Loans
(Marine, RVs, Campers, ATV, and UTVs)
| Loan Type | APR1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current | 8.49% (New) | 48 | Longer terms are available. |
| 2019 - Current | 8.99% (Used; Refinance) | 48 | Longer terms are available |
| 2014 - 2018 | 9.99% (Used; Refinance) | 48 | Longer terms are available |
| 2013 - Older | 9.99% (Used; Refinance) | 36 | Longer terms are available |
1 APR = Annual Percentage Rate on Loan Accounts, effective January 2024. Rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. APR is based on the applicant's credit history and qualifications, the age of the vehicle, and loan terms. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn at any time. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Membership with Ten Credit Union is required to obtain a loan. This offer does not apply to loans currently financed by Ten Credit Union.
Share Certificate & Share IRA Certificate Rates
$500 Minimum to Open
| Term | APY1 | Dividends Credited2 |
|---|---|---|
| 91 Days (3 Month) | 0.55% | Quarterly |
| 182 Days (6 Month) | 1.10% | Quarterly |
| 7 Month | 1.20% | Quarterly |
| 9 Month | 1.30% | Quarterly |
| 12 Month | 1.55% | Quarterly |
| 18 Month | 1.75% | Quarterly |
| 24 Month | 1.85% | Quarterly |
| 36 Month | 2.15% | Quarterly |
| 48 Month | 2.15% | Quarterly |
| 60 Month | 2.15% | Quarterly |
1 APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Share Certificate Promotions
| APY1 | Term | Minimum to Open | Dividends Credited2 |
|---|---|---|---|
| 3.75% | 6 Month3 | $500 to $100,000 | Quarterly |
| 4.00% | 6 Month3 | $100,000 or more | Quarterly |
1 APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
3The 6-month share certificate offers an APY of 3.75% for balances between $500 and $100,000, and an APY of 4.00% for balances of $100,000 or more. After the 6-month term, the share certificate will automatically roll over to a 6-month share certificate at the then-current market rate. This promotion is for new money only and requires a minimum opening deposit of $500.
Shares Rate Schedule
| Product | APY1 | Minimum to Open |
Minimum to Earn Dividends2 | Dividends Credited3 |
|---|---|---|---|---|
| Share Savings | 0.10% | $5.00 | $250.00 | Quarterly |
| Christmas Club | 0.15% | $0.00 | $100.00 | Quarterly |
| Summer Fun | 0.15% | $0.00 | $100.00 | Quarterly |
| IRA Accumulation | 0.20% | $100.00 | $250.00 | Quarterly |
| Roth IRA | 0.20% | $100.00 | $250.00 | Quarterly |
1 APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividends are earned quarterly and calculated using the average daily balance method.
3 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
VISA Rewards Credit Card
| APR1 Starting At | Months | |
|---|---|---|
| 13.65% | N/A | No Annual Fee; No Balance Transfer Fees |
1 APR = Annual Percentage Rate is current as of June 2023 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 13.65% to 17.99% based on the applicant's creditworthiness. This APR will vary with the market based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change. Membership with Ten Credit Union is required to obtain a credit card. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.