APY = Annual Percentage Yield. Fees may reduce earnings.

Share Rates effective as of August 2, 2021.

Term Share Certificate Rates effective as of June 2, 2021

Consumer Loan Rates effective as of January 19, 2021.

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) 2.25% APY* 1.25% APY* 0.50% APY* Up to $10

*APY = Annual Percentage Yield

Savings

Product Dividend Rate APY
Business Savings 0.05% 0.05%*
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

Share Certificates Learn More

Term Dividend Rate APY*
3 Months 0.05% 0.05%*
6 Months 0.10% 0.10%*
12 Months 0.20% 0.20%*
18 Months 0.25% 0.25%*
24 Months 0.30% 0.30%*
30 Months 0.35% 0.35%*
36 Months 0.40% 0.40%*
48 Months 0.55% 0.55%*
60 Months 0.70% 0.70%*

*APY - Annual Percentage Yield

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.

Individual Retirement Accounts (IRAs) Learn More

Type Dividend Rate APY
Traditional 0.25% 0.25%*
Roth 0.25% 0.25%*
IRA 0.25% 0.25%*

*APY = Annual Percentage Yield

Super Cash Money Market Learn More

Balance Dividend Rate APY
0 - $5,000 0.00% 0.00%*
$5,000.01 - $20,000 0.10% 0.10%*
$20,000.01 - $50,000 0.15% 0.15%*
$50,000.01+ 0.20% 0.20%*

*APY = Annual Percentage Yield

Auto Loans Learn More

Loan Type Term up to Rate (APR**) As Low As
New Auto 60 Months 2.24%**
New Auto 61-72 Months 2.24%**
New Auto  73-84 Months 3.24%**
Used Auto 60 Months 2.24%**
Used Auto 61-72 Months 2.24%**
Used Auto 73-84 Months 3.24%**

**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.

Boat Loans

Loan Type Term Rate (APR**) As Low As
Boat Loans 72 Months 3.75%**
Boat Loans (> $20,000) 73 - 144 Months 4.75%**
Boat Loans (> $40,000) 145 - 180 Months 5.25%**

**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
Other Collateral 72 Months 5.75%**
Signature Loan 60 Months 9.00%**

**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.

RV Loans & Motorsports

Loan Type Term Rate (APR**) As Low As
RV Loans 72 Months 4.25%**
RV Loans (> $20,000) 73 - 144 Months 5.25%**
RV Loans (> $40,000) 145 - 180 Months 5.75%**
Motorsports 72 Months 5.25%**

**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.

Visa Cards & Line of Credit

Type Terms APR** as low as
Visa Cash In Fixed Rate (Risk Based Pricing Applies) 9.50%**
Visa To Go Adjusts Annually (Prime + 3.00%) 6.25%**
Visa Business Adjusts Annually (Prime + 4.00%) 9.25%**
Line of Credit Fixed Rate (NO Annual Fee) 12.00%**

**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 Margin +0.25% 3.50%**
Fixed Rate Home Equity Loan up to 180 months 4.75%**
Home Improvement Loan 120 months 8.00%**

**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 $450 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.