A Smart, Flexible Solution
Looking for a flexible way to grow your retirement savings? An IRA High-Yield Savings Account offers a competitive rate on your retirement funds while keeping your money secure and accessible. Whether you're actively building your retirement nest egg or looking for a stable place to hold retirement funds, this account provides a simple, low-risk way to help your tax-advantaged savings grow with confidence.
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Traditional or Roth
Available in both a Traditional IRA or Roth IRA. -
Get Started With Any Amount
No minimum deposit required to open. -
Accessible Savings, Stronger Growth
Keep retirement savings secure, accessible, and working harder for you. -
Low Risk, With Peace of Mind
Enjoy a low-risk savings option that helps your retirement funds grow without market volatility.
Schedule an appointment with a TRUE Member Advisor to open an IRA High-Yield Saving Account today!
*APY = Annual Percentage Yield. IRA High-Yield Savings Account is available as a Traditional IRA or Roth IRA. Rates are variable and may change after account opening. The stated APY applies to balances up to $100,000 per Social Security Number (SSN); balances exceeding $100,000 will earn the Regular Share savings rate. One IRA High-Yield Savings Account allowed per SSN. Membership eligibility required. IRA accounts are subject to a $40 annual maintenance fee. Additional restrictions may apply. Contact TRUE Community Credit Union for current rates and complete account details.
Just a Tap Away Again
Access your account anytime, anywhere with convenient Digital Banking Services
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Loan Type | Term | Rate (APR**) As Low As |
| New and Used Auto (5 years and newer) | Up to 36 Months | 4.74% |
| New and Used Auto (5 years and newer) | 37-48 Months | 4.99% |
| New and Used Auto (5 years and newer) | 49-60 Months | 5.24% |
| New and Used Auto (5 years and newer) | 61-72 Months | 5.49% |
| New and Used Auto (5 years and newer) | 73-84 Months | 6.24% |
| New Auto (minimum loan $50,000) | 85-96 Months | 6.99% |
| Used Auto - 2021 & Older | Up to 60 Months | 5.99% |
| Used Auto - 2021 & Older | 61-72 Months | 6.49% |
| Used Auto - 2021 & Older | 73-84 Months | 6.99% |
**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.
Boat Loans
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| Boat | Up to 84 Months | 5.74% |
| Boat (minimum loan $40,000) | 85-180 Months | 6.24% |
| Boat (minimum loan $100,000) | 181-240 Months | 7.49% |
**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.
Business Products
| Product | Dividend Rate | APY* |
| Business Checking | 0.10% | 0.10% |
| 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% |
| Business Share Certificate — 3 Months | 1.495% | 1.50% |
| Business Share Certificate — 6 Months | 3.247% | 3.30% |
| Business Share Certificate — 12 Months | 3.344% | 3.40% |
| Business Share Certificate — 24 Months | 3.440% | 3.50% |
| Business Share Certificate — 36 Months | 3.489% | 3.55% |
| Business Share Certificate — 48 Months | 3.537% | 3.60% |
| Business Share Certificate — 60 Months | 3.585% | 3.65% |
*APY - Annual Percentage Yield
**Must be funded with all new money.
***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.
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. $500,000 is the maximum at the rates listed. Contact a Member Service Representative for rates on higher amounts. Fees could reduce the earnings of the account.
Business Rewards Visa
| Product | Term | Rate (APR) AS Low As** |
| Business Rewards Visa | Adjusts Quarterly (Prime + 4.00%) | 10.75% |
**APR = Annual Percentage Rate
Credit Cards
| Type | Term | Rate (APR**) As Low As |
|---|---|---|
| TRUE Rewards Visa | Non-Variable Rate (Risk Based Pricing Applies) | 11.99% |
| 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
| 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 | 6.25% |
| Fixed Rate Home Equity Loan | 10 Years | 6.75% |
| Fixed Rate Home Equity Loan | 15 Years | 7.25% |
**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.
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.
IRA High-Yield Savings
| 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.
Mortgage Loans
Motorcycle
| Loan Type | Term | Rate (APR**) As Low As |
| New/Used Motorcycle | 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.
Motorsports
| Loan Type | Term | Rate (APR**) As Low As |
| New/Used Motorsport | Up to 84 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.
Personal Loans
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| Signature Loan | Up to 72 Months | 8.49% |
**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.
RV Loans
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| RV | Up to 84 Months | 5.74% |
| RV (minimum loan $40,000) | 85-180 Months | 6.24% |
| RV (minimum loan $100,000) | 181-240 Months | 7.49% |
**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.
Savings
| Product | Dividend Rate | APY* |
|---|---|---|
| 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.
Share Certificates
| 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.
Super Cash Money Market
| 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
Traditional/Roth/Education Coverdell Individual Retirement Accounts (IRAs)
| Term | Dividend Rate | APY* |
|---|---|---|
| 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
$500,000 is the maximum at the rates listed . Contact a member advisor for rates on higher amounts.