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At Tower Credit Union, we've helped thousands of members finance the major purchases and expenses in
their lives–cars, homes, education, home improvements, boats, computers, and more. Our loan products
are designed to reflect the unique needs of each of our family members. We approach each application
individually and personally.
• Vehicle Loans
Car/Truck (New & Used)
Recreational (Motorcycles,
RVs, Campers, Watercraft,
Snowmobiles and ATVs)
• Real Estate Loans
1st Mortgage
2nd Mortgage
Mobile Home (New & Used)
New Construction
Property (Vacant Land, Lots)
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• Consumer Loans (secured)
Home Equity
Savings and Certificate
StudentPlus
(Parent/Guardian Secured)
• Consumer Loans (unsecured)
"Kwik Cash" (Line of Credit)
FamilyFirst (36 Month)
• Credit Cards
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• Specialty Loans
Debt Consolidation
StudentFirst (Tuition)
BuyersPlus® (Credit
Challenged)
You must be eligible for
a TCU membership to apply
for a loan.
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Car/Truck 
When you're ready to shop for your next new or used car, truck or van, come to Tower Credit Union for your
vehicle loan. We offer low rates, convenient terms, automatic payment options and no prepayment penalty to make
your next purchase hassle free and easy. You may also be eligible to take an additional 1% off the final negotiated
loan rate. Ask us about our pre-approved loans.
Recreational
Our rates for recreational vehicles are tough to beat. Whether your shopping for a new or used motorcycle, boat,
snowmobile or ATV, we offer the same convenient terms, automatic payment options and no prepayment penalties.
So, wherever the fun may take you, Tower Credit Union can help get you there. You may also be eligible to take an
additional 1% off the final negotiated loan rate. Ask us about our pre-approved loans.
We make loans for RV'S and Campers in a variety of ways. Depending on the amount of the loan, we offer a balloon
payment option to make the purchase more affordable. Or, lock into an incredible low rate for up to 15 years!
You may also be eligible to take an additional 1% off the final negotiated loan rate. Ask us about our pre-approved loans.
1st Mortgage
Whether you're buying your first home, upgrading to a bigger place or refinancing your current home, Scott Sisko,
our real estate loan professional, can help! Tower Credit Union treats each application individually and takes into
account every opportunity available to provide the best deal you can afford. You can choose from a variety of mortgage
loan packages including 15 and 30 year fixed loans with competitive rates and closing costs! You may also be
eligible to take an additional 1% off the final negotiated loan rate. Ask us about our pre-approved loans.
2nd Mortgage
Scott Sisko, our real estate loan professional, can help you with you manage a family's growth, an unexpected
expense or simple making life less stressful. Our second mortgage loan packages are designed around your personal
needs and budgets. Whatever it takes, we put your family first.
Mobile Home
Whether your mobile home is in a park, or on land that you own or are purchasing, Tower Credit Union can help. You
may also be eligible to take an additional 1% off the final negotiated loan rate. Ask us about our pre-approved loans.
New Construction
Construction loans can sometimes be intimidating. Tower Credit Union works with several different title companies
to take the worry out of home construction loans.
New Property/Vacant Land
Are you looking to purchase a lot so you can build your dream house in a few years? Or maybe you've got the
perfect 40 acres for your hunting shack? This is the loan to get the ball rolling.
Home Equity (secured)
By using the equity in your home, the current market value minus the remaining mortgage balance, you may qualify
for a sizable amount of credit at an interest rate that is relatively low. Use the equity to remodel, pay off personal
debt or simply go on that dream vacation. Plus, the interest paid is tax-deductiable.
Savings & Certificate (secured)
If you're looking for the lowest rate possible, check out our savings secured loans. These loans can be especially
valuable if you've gone through some trying times and you're trying to rebuild your credit!
StudentPlus (secured)
StudentPlus loans are designed to give students at our high school branches the ability to start to build their credit.
Typically these loans will be limited to a maximum of $200 to $400, depending on qualifications. Terms available will be
6 and 12 months. Student must show proof of a part-time job and will need a parent as a co-signor. Other restrictions
may apply.
"Kwik Cash" (unsecured)
This line of credit can also be tied to your checking account to provide more overdraft protection in case you make
a mistake in your checkbook! Of course, you can just use it to buy your spouse or significant other a nice gift too!
FamilyFirst (unsecured)
Unsecured consumer loans are available with a maximum term of 3 years. Since these loans are unsecured,
and therefore more of a risk, the interest rates are naturally higher. This is true at any bank or credit union. Tower
Credit Union has a way of being creative to help you fulfill a dream or an emergancy need. Our difference is
that we truly put the family first.
MasterCard/VISA
We offer Visa and Mastercard with no annual feet at an 11.88% fixed rate. It may not be as low as some cards with
teaser rates, but it has stayed at the same low rate for more than two years! The other BIG difference is our
"Scorecard" program - which lets you earn one point for every dollar you spend on your credit card. The points
accumulate each month, and can be traded for gifts and travel awards including airfare, hotel stays and rental car
fees. In addition, pay your credit card bill and manage your account online. Click here to read about our ezCard
online account management.
Debt Consolidation
The purpose of a debt consolidation loan is to take advantage of lower rates by combining all or parts of your overall
debt liabilities into one loan. This loan also can help you manage your monthly financial obligations more easily...
giving you a little room to breath. Plus, it could improve your credit score at the same time.
StudentFirst Tuition (unsecured)
We make a variety of tuition loans. To qualify for PLUS and SLS loan consideration you have to first apply for financial
aid at your school, and secondly, contact us for the cooresponding application. Tower Credit Union also offers
conventional educational loans to students trying to afford the raising costs of an education, but do not qualify for
PLUS and SLS loans.
BuyersPlus
This exciting new Tower Credit Union loan product is being developed to provide lending opportunities to
credit-challenged consumers. Combined with a credit report analysis and a financial planning consultation, we will
work with each loan request on a personalized and individual basis. We truly do put the family first.
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