Watch your money grow.


The loan rates provided are accurate as of 8/1/2016 and are subject to change without notice. TruChoice may offer other rates for these loans from time to time. Your Annual Percentage Rate (APR) may vary based on your individual credit history and our underwriting criteria.

An approximate term is provided to disclose the term we use to calculate payments for TruChoice's open-end loan products. For example, the monthly payment on a vehicle loan of $10,000 at 6.75% APR paid over 48 months would be $238.31. You can use our loan calculator to compare different payment options.

If you qualify for Member's Choice, you could receive a 0.25% reduction on our published loan rates excluding mortgages and lines of credit.

New or Used Vehicle

No minimum, if your vehicle is more than 3 years old, higher rates may apply. Apply online now!

Approximate TimeAPR
24 months As low as 2.24%
36 months As low as 2.24%
48 months As low as 2.24%
60 months As low as 2.24%
72 months As low as 4.24%
84 months As low as 6.99%

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General Purpose Loan

$500 minimum. Apply online now!

Approximate TermAPR
12 to 36 months As low as 11.00%

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Home Equity Loans

$10,000 minimum. Apply online now!

Variable, open ended line of credit As low as 4.00%
Fixed 5 years As low as 3.24%
Fixed 10 years As low as 4.75%
Fixed 15 years As low as 4.99%

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An application fee may apply to all home equity loans (waived for Member's Choice).  Consult your tax advisor regarding the deductibility of interest.Property insurance is required.  Some additional restrictions may apply. For variable lines of credit, the variable APR may increase or decrease on January 1, April 1, July 1, and October 1 of each year. The interest rate will be based on the prime rate published in the Wall Street Journal. The annual percentage rate will not increase above 18% or decrease below the prime rate as published in the Wall Street Journal.

ER Line of Credit

$1,200 minimum. Apply online now!

Approximate TermAPR
Not Applicable As low as 10.00%

Credit Building Loans

Apply online now!

Loan TypeAPR
Savings Loan Savings Rate +3.00%
Certificate Loan Certificate Rate +3.00%

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Funds in your accounts at TruChoice are insured to at least $250,000 by the National Credit Union Administration (NCUA) and are backed by the full faith and credit of the United States Government.  TruChoice provides additional share insurance covering an additional $250,000. Certain IRAs are insured up to $250,000.  Copies of the NCUA brochure "Your Insured Funds" are available at each TruChoice office and are also available by mail upon request.

TruChoice Federal Credit Union • PO Box 10659, Portland, ME 04104 • Toll-free: 1.800.639.5550 • Email: © 2006-2017 TruChoice Federal Credit Union

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