APY = Annual Percentage Yield. Fees may reduce earnings.
For qualifying loans, as low as rate includes a 0.25% discount for borrowers closing directly with TRUECCU and establishing and maintaining auto payment on their loan at the time of loan closing.
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Savings Back to Top
| 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% |
| High-Yield Savings Account*** | 3.198% | 3.25% |
| Non-Interest Shares | 0.00% | 0.00% |
| Club Accounts | 0.05% | 0.05% |
*APY = Annual Percentage Yield
**Must be funded with all new money
***The 3.25% APY applies to balances up to $100,000 and is intended for personal savings purposes. Balances over $100,000 earn the regular savings rate. One High-Yield Savings Account per SSN. Available to new and current members. Rates are subject to change. Terms and conditions apply. Membership eligibility and account approval required.
Super Cash Money Market Back to Top 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
Share Certificates Back to Top Learn More
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Months | 1.495% | 1.50% |
| 6 Months | 3.247% | 3.30% |
| 12 Months | 3.344% | 3.40% |
| 24 Months | 3.440% | 3.50% |
| 36 Months | 3.489% | 3.55% |
| 48 Months | 3.537% | 3.60% |
| 60 Months | 3.585% | 3.65% |
*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.
Business Share Certificates Back to Top
| Term | Dividend Rate | APY* |
| 3 Months | 1.495% | 1.50% |
| 6 Months | 3.247% | 3.30% |
| 12 Months | 3.344% | 3.40% |
| 24 Months | 3.440% | 3.50% |
| 36 Months | 3.489% | 3.55% |
| 48 Months | 3.537% | 3.60% |
| 60 Months | 3.585% | 3.65% |
*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) Back to Top
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 3.687% | 3.75% |
| 12 Months | 3.450% | 3.50% |
| 24 Months | 3.198% | 3.25% |
| 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 High-Yield Savings Back to Top
| Product | Dividend Rate | APY* |
| Traditional IRA High-Yield Savings ($100,000.00 and less) | 3.198% | 3.25% |
| Traditional IRA High-Yield Savings ($100,000.01 and greater) | .05% | .05% |
| Roth IRA High-Yield Savings ($100,000.00 and less) | 3.198% | 3.25% |
| Roth IRA High-Yield Savings ($100,000.01 and greater) | .05% | .05% |
*APY = Annual Percentage Yield
Members must have an established IRA account with TRUECCU to open an IRA HYSA. One IRA HYSA per SSN. IRA accounts with TRUECCU incur a $40 maintenance fee every year.
IRA and Coverdell Education Saving Account (ESA) Back to Top
| 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.
Personal Loans Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| Signature Loan | Up to 72 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.
Share Secured Loans Back to Top
| Loan Type | Term | Rate (APR**) As Low As |
| Credit Builder Loan ($1,000) | 12 Months | 4.75% |
**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.
Auto Loans Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
| New and Used Auto (5 years and newer) | Up to 36 Months | 4.24% |
| New and Used Auto (5 years and newer) | 37-48 Months | 4.49% |
| New and Used Auto (5 years and newer) | 49-60 Months | 4.74% |
| New and Used Auto (5 years and newer) | 61-72 Months | 4.99% |
| New and Used Auto (5 years and newer) | 73-84 Months | 5.74% |
| New Auto | 85-96 Months | 6.49% |
| Used Auto - 2021 & Older | Up to 60 Months | 5.49% |
| Used Auto - 2021 & Older | 61-72 Months | 5.99% |
| Used Auto - 2021 & Older | 73-84 Months | 6.49% |
**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 Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
| New/Used Motorcycle | Up to 84 Months | 7.24% |
**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.
Motorsports Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
| New/Used Motorsport | Up to 84 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.
Boat Loans Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| Boat | Up to 84 Months | 5.49% |
| Boat (minimum loan $20,000) | 85 to 132 Months | 6.49% |
| Boat (minimum loan $40,000) | 133 to 180 Months | 7.24% |
**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 Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| RV | Up to 84 Months | 5.49% |
| RV (minimum loan $20,000) | 85 to 132 Months | 6.49% |
| RV (minimum loan $40,000) | 133 to 180 Months | 7.24% |
**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.
Credit Cards and Line of Credit Back to Top
| Type | Term | Rate (APR**) As Low As |
|---|---|---|
| TRUE Rewards Visa | Non-Variable Rate (Risk Based Pricing Applies) | 11.99% |
| Business Rewards Visa | Adjusts Quarterly (Prime + 4.00%) | 10.75% |
| 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.
Home Equity Loans Back to Top
| Product | Term | Rate (APR**) As Low As |
|---|---|---|
| Home Equity Line of Credit | Variable Based on Prime | 6.25% |
| Fixed Rate Home Equity Loan | 5 Years | 6.00% |
| Fixed Rate Home Equity Loan | 10 Years | 6.50% |
| Fixed Rate Home Equity Loan | 15 Years | 7.00% |
**APR = Annual Percentage Rate
If an appraisal is needed the cost is charged to the borrower and must be collected in advance. All home equity loans over $250,000 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 a margin. They have a 3% floor rate. The index is the PRIME RATE as published in the WALL STREET JOURNAL, under Money Rates.