Tru Rates
Loan Rates
New Vehicle (Less than 3 years old)
| Approximate Time | APR |
|---|---|
| Up to 48 months | As low as 4.25% |
| Up to 60 months | As low as 4.50% |
| Up to 72 months | As low as 5.00% |
| Up to 84 months | As low as 6.50% |
No minimum. Apply online now!
For example: a $15,000 auto loan with an interest rate of 4.70% for 48 months. Monthly payment is approximately $343.40. Total Finance charge is approximately $1,483.42.
General Purpose Loan
| Aproximate Term | APR |
|---|---|
| 12 to 36 months | As low as 10.49% * |
$500 minimum. Apply online now!
*Annual Percentage Rate (APR) applies to the loan amount financed. Your APR may vary based on your individual credit history and our underwriting criteria. For example, the monthly payment on an unsecured loan of $10,000 at 11.49% APR paid over 48 months would be $260.85
Home Equity Loans
| Term | APR |
|---|---|
| Variable, open-ended line of credit | As low as 7.00% |
| Fixed 5 years | As low as 6.25% |
| Fixed 10 years | As low as 6.75% |
| Fixed 15 years | As low as 7.25% |
$10,000 minimum. Apply online now!
An application fee may apply to all home equity loans. 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
| Approximate Term | APR |
|---|---|
| Variable | As low as 11.00% |
$1,200 minimum. Apply online now!
Share Secured Loans
| Loan Type | APR |
|---|---|
| Savings Secured Loan | Savings Rate +3.00% |
| Certificate Secured Loan | Certificate Rate +3.00% |
Used Vehicle (3 years or older)
| Approximate Time | APR |
|---|---|
| Up to 48 months | As low as 4.25% |
| Up to 60 months | As low as 4.50% |
| Up to 72 months | As low as 5.00% |
| Up to 84 months | As low as 6.50% |
No minimum. Apply online now!
For example: a $15,000 auto loan with an interest rate of 4.70% for 48 months. Monthly payment is approximately $343.40. Total Finance charge is approximately $1,483.42.
Credit Cards Rates
Traditional and TruHero Credit Cards
| Credit Score | APR |
|---|---|
| A+* | 11.90% |
| A* | 12.90% |
| B* | 14.90% |
| C* | 15.90% |
| D* | 16.90% |
| E* | 18.00% |
*We will tell you in writing which rate applies upon approval of your application. APR= Annual Percentage Rate.
Rate based on credit score.
Cash Back Rewards Credit Card
| Credit Score | APR | Cash Back |
|---|---|---|
| All qualifying credit scores | 18% | 1.5% on everything* |
APR= Annual Percentage Rate. Rates are subject to change at any time. Additional rates and terms are available. APR and term are based on your credit rating and ability to repay.
*Earn 1.5% cash back on all qualifying purchases made with your Cash Back Rewards Credit Card. Cash advances, balance transfers, and other non-purchase transactions do not qualify for cash back rewards.
Mortgage Rates
Mortgage rates change daily. But don't worry - we can simplify them for you. See current rates or start an application. You can also call us at (207) 772-0808 or email us at trufcu@trufcu.com*. Want more info? Learn more about home loans here.
*Email is not a secure means of communication; please do not send sensitive personal information via email.
Deposit Rates
Savings
| Average Daily Balance | Dividend Rate | APY | Min. Open | Min. Balance |
|---|---|---|---|---|
| <$200 | 0.00% | 0.00% | $25 | $25 |
| $200 - $2,499.99 | 0.150% | 0.15% | $25 | $200 |
| $2,500 - 9,999.99 | 0.150% | 0.15% | $25 | $2500 |
| $10,000 - $24,999.99 | 0.150% | 0.15% | $25 | $10,000 |
| $25,000 - 74,999.99 | 0.200% | 0.20% | $25 | $25,000 |
| $75,000 - $249,999.99 | 0.250% | 0.25% | $25 | $75,000 |
| $250,000+ | 0.300% | 0.30% | $25 | $250,000 |
Balance Method: Avg Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Minimum Balance is required to obtain the respective APY for the dividend period.
Club Accounts
| Average Daily Balance | Dividend Rate | APY | Min. Open | Min. Balance |
|---|---|---|---|---|
| <$200 | 0.00% | 0.00% | none | $0 |
| $200 - $2,499.99 | 0.150% | 0.15% | none | $200 |
| $2,500 - $9,999.99 | 0.150% | 0.15% | none | $2,500 |
| $10,000 - $24,999.99 | 0.150% | 0.15% | none | $10,000 |
| $25,000 - $74,999.99 | 0.200% | 0.20% | none | $25,000 |
| $75,000 - $249,999.99 | 0.250% | 0.25% | none | $75,000 |
| $250,000+ | 0.300% | 0.30% | none | $250,000 |
Balance Method: Avg Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Christmas Club - any withdrawals prior to the automatic transfer on Oct 20th will be subject to penalty
Money Market Accounts
| Daily Balance | Dividend Rate | APY | Min. Open | Min. Balance |
|---|---|---|---|---|
| <$200 | 0.00% | 0.00% | $2,500 | $0 |
| $200 - $2,499.99 | 0.345% | 0.35% | $2,500 | $200 |
| $2,500 - $9,999.99 | 0.499% | 0.50% | $2,500 | $2,500 |
| $10,000 - $24,999.99 | 0.896% | 0.90% | $2,500 | $10,000 |
| $25,000 - $74,999.99 | 1.884% | 1.90% | $2,500 | $25,000 |
| $75,000 - $249,999.99 | 2.080% | 2.10% | $2,500 | $75,000 |
| $250,000 - $499,999.99 | 2.862% | 2.90% | $2,500 | $250,000 |
| $500,000+ | 3.832% | 3.90% | $2,500 | $500,000 |
Balance Method: Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly
Minimum balance is required to obtain the respective APY for the dividend period. Entire balance is subject to corresponding APY. Rates are subject to change without notice.
InCheck Account
| Average Daily Balance | Dividend Rate | APY | Min. Open | Min. Balance |
|---|---|---|---|---|
| Up to $10,000 | 5.128% | 5.25% | $0 | $0 |
| $10,000.01+ | 0.150% | 0.15% | $0 | $10,000.01 |
APY is subject to market rates as listed on the rate schedule. Dividends are earned based on average daily balance. APY=Annual Percentage Yield. If qualifications are met each monthly qualification cycle: Balances up to $10,000 receive premium APY rate. Rate subject to change without notice.
IRA & Certificate Rates
Share Certificates
| Term of Certificate | Dividend Rate | APY | Min. Open | Min. Balance |
|---|---|---|---|---|
| 6 Months | 3.687% | 3.75% | $2,500 | $2,500 |
| 12 Months | 3.928% | 4.00% | $2,500 | $2,500 |
| 24 Months | 3.784% | 3.85% | $2,500 | $2,500 |
Balance Method: Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly
Additional deposits are not allowed. Dividend withdrawal is allowed. Certificate renewal is automatic. See Truth-in-Savings Disclosure.
Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with a 10 day grace period. Minimum investment of $2,500. Must become a member of TruChoice with a $25 deposit.
*After term ends, 13mo certificate will automatically roll over to a 12mo certificate with posted rate at time of rollover.
Individual Retirement Accounts (IRA)
| Average Daily Balance | Dividend Rate | APY | Min. Open | Min. balance |
|---|---|---|---|---|
| <$200 | 0.00% | 0.00% | none | $0 |
| $200 - $2,499 | 0.454% | 0.45% | none | $200 |
| $2,500 - $9,999.99 | 0.698% | 0.70% | none | $2,500 |
| $10,000 - $24,999.99 | 1.193% | 1.20% | none | $10,000 |
| $25,000 - $74,999.99 | 2.178% | 2.20% | none | $25,000 |
| $75,000 - $249,999.99 | 2.667% | 2.70% | none | $75,000 |
| $250,000+ | 3.639% | 3.70% | none | $250,000 |
Balance Method: Average Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly
Minimum balance is required to obtain the respective APY for the dividend period. Withdrawal and deposit limitations apply.
Save Up Share Certificate
| Term of Certificate | Dividend Rate | APY | Min. Open | Min. Balance |
|---|---|---|---|---|
| 6 Months | 3.203% | 3.25% | $100 | $100 |
| 12 Months | 3.445% | 3.50% | $100 | $100 |
Balance Method: Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly
Additional deposits ARE allowed. Dividend withdrawal is allowed. Certificate renewal is automatic. See Truth-in-Savings Disclosure.
The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. After term ends, the certificate will automatically renew with posted rate at time of renewal. Certificates are renewed at the end of the quoted term with a 10-day grace period. Minimum investment of $100. Must become a member of TruChoice with a $25 deposit.
