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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Consumer Loan Rates effective {{ dynamic-date }}
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%* |
| Non-Interest Shares | 0.00% | 0.00%* |
| Club Accounts | 0.05% | 0.05%* |
*APY = Annual Percentage Yield
** Must be funded with all new money
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 | 4.169% | 4.25%* |
| 12 Months | 3.928% | 4.00%* |
| 24 Months | 3.445% | 3.50%* |
| 36 Months | 2.230% | 2.25%* |
| 48 Months | 1.980% | 2.00%* |
| 60 Months | 1.735% | 1.75%* |
*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 Month | 4.169% | 4.25%* |
| 12 Months | 3.928% | 4.00%* |
| 24 Months | 3.445% | 3.50%* |
| 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) 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 | APR** as low as |
|---|---|---|
| Signature Loan | Up to 72 Months | 11.74%** |
**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.
Share Secured Loans Back to Top
| Loan Type | Term up to | Rate (APR**) As Low As |
| Credit Builder Loan ($1,000) | 12 Months | 4.75%** |
Auto Loans Back to Top Learn More
| Loan Type | Term up to | Rate (APR**) As Low As |
| New Auto - 2025 | Up to 60 Months | 5.74%** |
| New Auto - 2025 | 61-72 Months | 5.99%** |
| New Auto - 2025 | 73-84 Months | 6.74%** |
| Used Auto - 2021-2024 | Up to 60 Months | 5.74%** |
| Used Auto - 2021-2024 | 61-72 Months | 5.99%** |
| Used Auto - 2021-2024 | 73-84 Months | 6.74%** |
| Used Auto 2020 & Older | Up to 60 Months | 5.99%** |
| Used Auto 2020 & Older | 61-72 Months | 6.74%** |
| Used Auto 2020 & 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.
Motorcycle Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
| Motorcycles - 2021-2025 | Up to 72 Months | 7.24%** |
| Motorcycles - 2020 & Older | Up to 72 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 Back to Top Learn More
| Loan Type | Terms | Rates (APR**) As Low As |
| Motorsports - New & Used | Up to 72 Months | 8.74%** |
| Motorsports - 2020 & Older | Up to 72 Months | 9.24%** |
**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.
Boat Loans Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| Boat (up to $19,999) | Up to 72 Months | 6.74%** |
| Boat ($20,000-$39,999) | Up to 144 Months | 7.74%** |
| Boat (> $40,000) | Up to 180 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.
RV Loans Back to Top Learn More
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| RV (up to $19,999) | Up to 72 Months | 6.74%** |
| RV ($20,000 - $39,999) | Up to 144 Months | 7.74%** |
| RV (> $40,000) | Up to 180 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.
Credit Cards Back to Top
| Type | Terms | APR** as low as |
|---|---|---|
| TRUE Rewards Visa | Non-Variable Rate (Risk Based Pricing Applies) | 11.99%** |
| Visa Business | Adjusts quarterly (Prime + 4.00%) | 11.50%** |
| 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 | Terms | Rate (APR**) As Low As |
|---|---|---|
| Home Equity Line of Credit | Prime | 7.50%** |
| Fixed Rate Home Equity Loan | 5 Year | 5.99%** |
| 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 $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 a margin. They have a 3% floor rate for decreases in the adjusted rate. The index is the PRIME RATE as published in the WALL STREET JOURNAL, under Money Rates.