APY = Annual Percentage Yield. Fees may reduce earnings.

Share Rates effective March 1, 2024

Consumer Loan Rates effective January 2, 2024

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 APY*
3 Months 1.50%*
6 Months 3.50%*
12 Months  4.50%*
24 Months 4.00%*
36 Months 2.25%*
48 Months 2.00%*
60 Months 1.75%*

*APY - Annual Percentage Yield

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.

$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) Learn More

Term Dividend Rate APY*
6 Month 3.440% 3.50%*
12 Months 4.410% 4.50%*
24 Months 3.930% 4.00%*
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 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.

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

Personal Loans Learn More

Loan Type Term APR** as low as
Signature Loan Up to 72 Months 10.99%**

**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.

Auto Loans Learn More

Loan Type Term up to Rate (APR**) As Low As
New Auto - 2024 Up to 60 Months 6.74%**
New Auto - 2024 61-72 Months 7.24%**
New Auto - 2024 73-84 Months 7.74%**
Used Auto - 2020-2023 Up to 60 Months 6.74%**
Used Auto - 2020-2023 61-72 Months 7.24%**
Used Auto - 2020-2023 73-84 Months 7.74%**
Used Auto 2019 & Older Up to 60 Months 7.24%**
Used Auto 2019 & Older 61-72 Months 7.74%**
Used Auto 2019 & Older 73-84 Months 8.24%**

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

Motorcycle Learn More

Loan Type Term Rate (APR**) As Low As
Motorcycles  - 2020-2024 Up to 72 Months 7.49%**
Motorcycles -2019 & Older Up to 72 Months 7.99%**

**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.

Motorspots Learn More

Loan Type Terms Rates (APR**) As Low As
Motorsports - New & Used Up to 72 Months 8.99%**
Motorsports - 2019 & Older Up to 72 Months 9.49%**

**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.

Boat Loans Learn More

Loan Type Term Rate (APR**) As Low As
Boat Loans (up to $19,999) Up to 72 Months 7.49%**
Boat ($20,000-$39,999) 73-144 Months 8.49%**
Boat Loans (> $40,000) 145 - 180 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.

RV Loans Learn More

Loan Type Term Rate (APR**) As Low As
RV (up to $19,999) Up to 72 Months 7.49%**
RV Loans (> $20,000) 73 - 144 Months 8.49%**
RV Loans (> $40,000) 145 - 180 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.

Credit Cards & Line of Credit

Type Terms APR** as low as
Visa Cash In Non-Variable Rate (Risk Based Pricing Applies) 11.00%**
Visa Business Adjusts quarterly (Prime + 4.00%) 12.50%**
Line of Credit Non-Variable Rate (NO Annual Fee) 15.75%**
Visa Secured Non-Variable 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 5 Year 6.99**
Fixed Rate Home Equity Loan 10 Years 7.50**
Fixed Rate Home Equity Loan 15 Years 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 $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.