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Commercial Mortgages

Finance commercial real estate purchases or refinances. If you want to purchase a shopping center, office building, medical condominium, or any type of commercial real estate, TFCU can provide you with a commercial mortgage with flexible terms. This loan is similar to a residential mortgage, except the collateral is a commercial building, not a residential property.

  • Maximum loan: $5,000,000
  • 5 year balloon - up to 30 year loan amortization
  • 10 year balloon - up to 30 year loan amortization
  • 15 year balloon - up to 30 year loan amortization


  • To purchase the premises of a business, in order to "own rather than rent."
  • For an addition/extension to an existing business site.
  • To use the full or partial proceeds for further business investment, which could include: other needed properties for the business, equipment, or long-term increases in working capital.
  • To develop a commercial property in a variety of other manners.

5/5/5 Adjustable Commercial Mortgages

  • Term: 15 years
  • Initial Interest Rate = 3.125%*
  • Interest rate adjusts after 5 and 10**
  • No prepayment penalty

Contact Us For More Information

* Rate accurate as of 2/1/2020. Rates & terms subject to change without notice. Loans are subject to credit approval. Business owners must be members or eligible for membership at TFCU.
**After years 5 and 10, interest rate will adjust to the 5 year constant maturity treasury + 2.5% rounded up to nearest 1/8th.

Recent Deals

Commercial Retail
Great Neck, NY

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Mixed Use
Flushing, NY

Office Building
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Shopping Center
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Commercial Retail Condominium
Manhattan, NY

Shopping Center
Levittown, NY