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Loan Rates
Deposit Rates
Effective April 01, 2025
Vehicle Loans
*APR = Annual Percentage Rate. Rates are determined by overall creditworthiness and other qualifications. Not all applicants will qualify for the lowest rate. Estimated payment for a New Auto Loan is $375.05 for $20,000 financed for 60 months at 4.74%. Payments may vary based on the rate and term you qualify for. Certain restrictions may apply. Rates subject to change based on several factors including, new or used, promotions, discounts, loan term, and other stipulations. Your lending processor can talk with you about all your options.
**61-72 month financing available for automobiles over $20,000 and 73-84 month financing for automobiles over $30,000.
Unsecured Loans
*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members’ individual credit ratings. Payment example: Monthly payments may be approximately $327.34 for 36 payments at 10.99% APR on a borrowed amount of $10,000.
Credit Card
*APR = Annual Percentage Rate. Rates are based on creditworthiness, so your rate may differ. Please see the credit card disclosure for more details. Variable APRs apply to purchases, balance transfers, cash advances and convenience checks.
Secured Loans
*APR = Annual Percentage Rate. All rates subject to change without notice.
**The annual percentage rate for a Share and Certificate Secured advance will be 2% above the dividend rate paid on the shares.
Home Equity Line of Credit
*APR = Annual Percentage Rate. This is a variable rate and is adjusted semi-annually, plus, (i) applies to (LTV) ratio of 90% for primary residence and non-owner occupied residences, (ii) in no event will the APR be less than 4.00% and no more than 18.00%. View the current WSJ U.S. Prime Rate. Please visit Home Equity Loans – TruEnergy (truenergyfcu.org) for more information.
First Mortgages
Fixed Rate 2nd Mortgage
*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members’ individual credit ratings. Loan amount request cannot exceed $400,000.
