APY = Annual Percentage Yield. Fees may reduce earnings.
For qualifying loans as low as rate includes .25% discount for borrowers closing directly with TRUECCU and establishing and maintaining auto payment on their loan at the time of loan closing.
Share Rates effective October 22, 2024
Consumer Loan Rates effective October 1, 2024
Savings
| Product | Dividend Rate | APY |
|---|---|---|
| Business Savings | 0.05% | 0.05%* |
| Business High Yield Savings** - $10,000 - $50,000 | 2.956% | 3.00% |
| Business High Yield Savings** - $50,000.01 and greater | 3.682% | 3.75% |
| Regular Shares, Shares Pledged and TRUE Money Tree | 0.05% | 0.05%* |
| Non-Interest Shares | 0.00% | 0.00%* |
| Club Accounts | 0.05% | 0.05%* |
*APY = Annual Percentage Yield
** Must be funded with all new money
Share Certificates Learn More
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Months | 1.495% | 1.50%* |
| 6 Months | 4.169% | 4.25%* |
| 12 Months | 3.928% | 4.00%* |
| 24 Months | 3.445% | 3.50%* |
| 36 Months | 2.230% | 2.25%* |
| 48 Months | 1.980% | 2.00%* |
| 60 Months | 1.735% | 1.75%* |
*APY - Annual Percentage Yield
All Term Share Certificates have a minimum deposit of $500, the rates and terms above are based on this minimum deposit amount. Contact a Member Service Representative for exact APYs for a specific amount and term.
Fees could reduce the earnings of the account.
$500,000 is the maximum at the rates listed . Contact a member advisor for rates on higher amounts.
Traditional/Roth/Education Coverdell Individual Retirement Accounts (IRAs) Learn More
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month | 4.169% | 4.25%* |
| 12 Months | 3.928% | 4.00%* |
| 24 Months | 3.445% | 3.50%* |
| 36 Months | 2.230% | 2.25%* |
| 48 Months | 1.980% | 2.00%* |
| 60 Months | 1.735% | 1.75%* |
*APY = Annual Percentage Yield
$500,000 is the maximum at the rates listed . Contact a member advisor for rates on higher amounts.
IRA and Coverdell Education Saving Account (ESA)
| Description | Rate | APY* |
| ESA Share | 0.25% | 0.25% |
| IRA Traditional Share | 0.25% | 0.25% |
| IRA Roth Share | 0.25% | 0.25% |
| IRA Beneficiary Share |
0.25% | 0.25% |
APY = Annual Percentage Yield
$500,000 is the maximum at the rates listed . Contact a member advisor for rates on higher amounts.
Super Cash Money Market Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $1999.99 | 0.000% | 0.00%* |
| $2,000.01 - $50,000 | 0.50% | 0.50%* |
| $50,000.01 - $100,000 | 0.60% | 0.60%* |
| $100,000.01+ | 0.70% | 0.70%* |
*APY = Annual Percentage Yield
Personal Loans Learn More
| Loan Type | Term | APR** as low as |
|---|---|---|
| Signature Loan | Up to 72 Months | 11.74%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Auto Loans Learn More
| Loan Type | Term up to | Rate (APR**) As Low As |
| New Auto - 2024 | Up to 60 Months | 6.49%** |
| New Auto - 2024 | 61-72 Months | 6.74%** |
| New Auto - 2024 | 73-84 Months | 7.49%** |
| Used Auto - 2020-2023 | Up to 60 Months | 6.49%** |
| Used Auto - 2020-2023 | 61-72 Months | 6.74%** |
| Used Auto - 2020-2023 | 73-84 Months | 7.49%** |
| Used Auto 2019 & Older | Up to 60 Months | 6.99%** |
| Used Auto 2019 & Older | 61-72 Months | 7.49%** |
| Used Auto 2019 & Older | 73-84 Months | 7.99%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score. Add .25% for vehicles 5 years and older.
Motorcycle Learn More
| Loan Type | Term | Rate (APR**) As Low As |
| Motorcycles - 2020-2024 | Up to 72 Months | 7.24%** |
| Motorcycles -2019 & Older | Up to 72 Months | 7.74%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Motorsports Learn More
| Loan Type | Terms | Rates (APR**) As Low As |
| Motorsports - New & Used | Up to 72 Months | 8.74%** |
| Motorsports - 2019 & Older | Up to 72 Months | 9.24%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Boat Loans Learn More
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| Boat Loans (up to $19,999) | Up to 72 Months | 7.24%** |
| Boat ($20,000-$39,999) | 73-144 Months | 8.24%** |
| Boat Loans (> $40,000) | 145 - 180 Months | 8.24%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
RV Loans Learn More
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| RV (up to $19,999) | Up to 72 Months | 7.24%** |
| RV Loans (> $20,000) | 73 - 144 Months | 8.24%** |
| RV Loans (> $40,000) | 145 - 180 Months | 8.24%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Home Equity Loans
| Product | Terms | Rate (APR**) As Low As |
|---|---|---|
| Home Equity Line of Credit | Prime: 0.25 | 8.25%** |
| Fixed Rate Home Equity Loan | 5 Year | 6.74%** |
| Fixed Rate Home Equity Loan | 10 Years | 7.25%** |
| Fixed Rate Home Equity Loan | 15 Years | 7.75%** |
**APR = Annual Percentage Rate
Maximum Unsecured Loan $15,000. Unsecured loans include: Vacation, Home Improvement, Debt Consolidation, Tax Refund loans and other fixed rate unsecured loans. Home Improvement loans require estimates and checks written directly to contractor or supplier.
If an appraisal is needed the member cost is up to $500 and must be collected in advance. All home equity loans over $100,000 require an appraisal.
All rates based on credit experience and are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union. Term listed is the maximum term available.
HELOC rates adjust monthly based on prime rate plus the margin listed above; they have a 2% annual cap and a 4% floor rate for decreases in the adjusted rate. The index is the PRIME RATE as published in the WALL STREET JOURNAL, under Money Rates.
Credit Cards & Line of Credit
| Type | Terms | APR** as low as |
|---|---|---|
| TRUE Rewards Visa | Non-Variable Rate (Risk Based Pricing Applies) | 11.99%** |
| Visa Business | Adjusts quarterly (Prime + 4.00%) | 12.50%** |
| Line of Credit | Non-Variable Rate (NO Annual Fee) | 15.75%** |
| Visa Secured | Non-Variable Rate | 16.49%** |
**APR = Annual Percentage Rate
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.