APY = Annual Percentage Yield. Fees may reduce earnings.

Share Rates effective September 5, 2023

Consumer Loan Rates effective September 20, 2023 

Checking

Product Dividend Rate APY
Golden Power Checking 0.10% 0.10%*
Business Checking 0.10% 0.10%*

*APY = Annual Percentage Yield

Michigan Made Checking Learn More

Reward Tier Balances up to $10,000 Balances of $10,000 - $20,000 Balances of $20,000 - $999,999,999 ATM Fee Refunds
Erie (0 – 1 Points) 0.00% APY* 0.00% APY* 0.00% APY* n/a
Ontario (2 – 3 Points) 0.25% APY* 0.15% APY* 0.05% APY* n/a
Huron (4 – 5 Points) 0.50% APY* 0.25% APY* 0.10% APY* n/a
Michigan (6 – 10 Points) 2.00% APY* 1.00% APY* 0.35% APY* Up to $10
Superior (11+ Points) 5.25% APY* 2.25% APY*  1.50% APY* Up to $10

*APY = Annual Percentage Yield

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 0.25% 0.25%*

*APY = Annual Percentage Yield

** Must be funded with all new money

Share Certificates Learn More

Term Dividend Rate APY*
6 or 12 Month Special** 4.89% 5.00%*
3 Months 1.98% 2.00%*
6 Months 2.469% 5.00%*
1 Year  2.956% 3.00%*
2 Year 3.445% 3.50%*
3 Year 3.198% 3.25%*
4 Year 2.956% 3.00%*
5 Year 2.956% 3.00%*

*APY - Annual Percentage Yield

** Must be funded with all new money. 

Benefits Plus members earn 0.10% APY more on Share Certificates!

Ask how you can become a Benefits Plus Member Today! Early withdrawal penalties may apply to some term share accounts.

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.

Traditional/Roth Individual Retirement Accounts (IRAs) Learn More

Term Dividend Rate APY*
6 Months 2.469% 2.50%*
1 Year 2.956% 3.00%*
2 Year 3.445% 3.50%*
3 Year 3.198% 3.25%*
4 Year 2.956% 3.00%*
5 Year 2.956% 3.00%*

 

*APY = Annual Percentage Yield

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

Super Cash Money Market Learn More

Balance Dividend Rate APY
0 - $5,000 0.20% 0.20%*
$5,000.01 - $20,000 0.30% 0.30%*
$20,000.01 - $50,000 0.40% 0.40%*
$50,000.01+ 0.50% 0.50%*

*APY = Annual Percentage Yield

Auto Loans Learn More

Loan Type Term up to Rate (APR**) As Low As
New Auto 48-60 Months  7.24%**
New Auto 61-72 Months 7.74%**
New Auto 73-84 Months 8.24%**
Used Auto 48-60 months 7.24%**
Used Auto 2018 & older 48-60 months 7.49%**
Used Auto 61-72 months 7.74%**
Used Auto 2018 & older 61-72 months 7.99%**
Used Auto 73-84 months 8.24%**
Used Auto 2018 & older 73-84 months 8.49%**

 

**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. Add .25% for vehicles 5 years and older. Share Secured loans match our lowest New Auto rates.

Boat Loans Learn More

Loan Type Term Rate (APR**) As Low As
Boat Loans 48 - 72 Months 7.49%**
Boat Loans (> $20,000) 144-180 Months 8.49%**
Boat Loans (> $40,000) 145 - 180 Months 8.99%**

**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.

Personal Loans Learn More

Loan Type Term APR** as low as
Signature Loan 60 Months 11.00%**
Signature Loan 61 - 72 Months 11.50%
Home Improvement Loan  Up to 60 Month 10.50%**
Home Improvement Loan 61 - 84 Months 11.00%**
Home Improvement Loan 85 - 120 Months 11.50%**

**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.

RV Loans & Motorsports Learn More

Loan Type Term Rate (APR**) As Low As
RV Loans 48 - 72 Months 7.49%**
RV Loans (> $20,000) 73 - 144 Months 8.49%**
RV Loans (> $40,000) 145 - 180 Months 8.99%**
Motorsports 48 -72 Months 7.49%**

**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.

Credit Cards & Line of Credit

Type Terms APR** as low as
Visa Cash In Fixed Rate (Risk Based Pricing Applies) 11.00%**
Visa To Go

Adjusts quarterly (Prime +3%)

11.25%**
Visa Business Adjusts quarterly (Prime + 4.00%) 12.25%**
Line of Credit Fixed Rate (NO Annual Fee) 12.00%**
Visa Secured Fixed Rate 16.00%**

**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 Terms Rate (APR**) As Low As
Home Equity Line of Credit Prime:  - 0.50 8.00%
Fixed Rate Home Equity Loan up to 180 months 8.25%**

**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.