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Rates

Vehicle Loans

Approx Term APR as low as
New Vehicles Up to 60 Months w/ 80% financing 2.00% APR*
Up to 75 months** w/ 80% financing 2.75% APR*
Up to 84 Months** w/ 80% financing 3.00% APR*
Up to 60 Months w/ 100% financing 2.25% APR*
Up to 75 Months** w/ 100% financing 3.00% APR*
Up to 84 Months** w/ 100% financing 3.50% APR*
Used Vehicles Up to 60 Months w/ 80% financing 2.50% APR*
Up to 75 months** w/ 80% financing 3.25% APR*
Up to 60 Months w/ 90% financing 3.00% APR*
Up to 75 Months** w/ 90% financing 3.75% APR*
Up to 60 Months w/ 100% financing 3.25% APR*
Up to 75 Months** w/ 100% financing 4.00% APR*
New and Used Boats/RV/ATV Up to 48 Months 8.50% APR*
Up to 84 Months 8.75% APR*

*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according members' individual credit ratings. The loan rates listed above are the minimum rates offered. 
**61-75 month financing available for automobiles over $20,000 and 76-84 month financing for automobiles over $30,000.

Home Equity Line of Credit

As low as
Home Equity Line of Credit Up to 90% of Value (up to $400,000) Wall Street Prime APR*

*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%.  

Fixed Rate 2nd Mortgage

As low as
5 years $10,000 up to $100,000 5.00%
10 years $50,000 up to $250,000 6.00%
15 years $150,000 up to $400,000 7.00%

*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.

Secured Loans

APR* Term
Share Secured Loan** 100% of Shares 2% above index 10 years
Certificate Secured Loan** 100% of Certificate Value 2% above index 10 years

*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.

Unsecured Loans

As low as
Personal Loans 10.75%*
Debt Consolidation 12.75%*
Overdraft Protection 12.99%* APR

*APR = Annual Percentage Rate. All rates subject to change without notice. Loan rates are based and priced according to members' individual credit ratings.

**APR = Annual Percentage Rate.  Borrow up to $10,000 with terms up to 36 months.  Rate based on creditworthiness and amount financed.  Monthly payment will be $308.73 for 36 payments at 6.99% APR on a borrowed amount of $10,000.  Rates and offer are subject to change at anytime. 

Savings & Checking Accounts

Min. Balance to earn dividend Dividend Rate APY*
Regular Share Savings Account ($5.00 min. balance required) $50.00 and up 0.10% APY* 0.10%
IRA Share $0.00 0.35% 0.35%
Club Accounts (Holiday, Vacation, and Tax) $0.00 0.10% 0.10%
Dollar Dog Kids Club $50.00 and up 0.10% 0.10%
Cha-Ching Teen Share Savings $50.00 and up 0.10% 0.10%
Share Draft Checking $0.00 0.00% 0.00%
Cha-Ching Teen Checking $0.00 0.00% 0.00%
Money Market Accounts $2,500 – $9,999.99 0.20% 0.20%
  $10,000 – $24,999.99 0.30% 0.30%
  $25,000 – $49,999.99 0.40% 0.40%
  $50,000 and up 0.60% 0.60%

Dividends are accrued daily on the daily balance. The rate stated will apply to the entire balance. To be a member and maintain accounts at TruEnergy FCU you must purchase one share in the credit union. The value of one share is $5.00.
*APY - Annual Percentage Yield. All rates subject to change without notice.

Credit Card

APR* Conditions
Visa Credit Card As low as 9.99% Rate subject to change
Student Visa Credit Card As low as 9.99% Rate subject to change

*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. 

Share Certificates

Term Dividend Rate APY*
6 Month Share Certificate – Min. Bal. $1000 1.00% APR 1.00%
12 Month Share Certificate – Min. Bal. $1000 2.00% APR 2.02%
24 Months Share Certificate - Min. Bal. $1000 2.30% APR 2.33%
36 Month Share Certificate – Min. Bal. $1000 2.80% APR 2.84%
48 Month Share Certificate – Min. Bal. $1000 2.90% APR 2.94%
60 Month Share Certificate - Min. Bal. $1000 3.00% APR 3.05%

*APY - Annual Percentage Yield. All rates subject to change without notice.  Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

IRA Share Certificates

Term Dividend Rate APY*
6 Month IRA Share Certificate - Min. Bal. $1000 1.00% 1.00%
12 Month IRA Share Certificate - Min. Bal. $1000 2.00% 2.02%
24 Month IRA Share Certificate - Min. Bal. $1000 2.30% 2.33%
36 Month IRA Share Certificate - Min. Bal. $1000 2.80% 2.84%
48 Month IRA Share Certificate - Min. Bal. $1000 2.90% 2.94%
60 Month IRA Share Certificate - Min. Bal. $1000 3.00% 3.05%

*APY - Annual Percentage Yield. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo Share Certificates

Term Dividend Rate APY*
6 Month Jumbo Share Certificate - Min. Bal. $100,000 1.25% 1.26%
12 Month Jumbo Share Certificate - Min. Bal. $100,000 2.25% 2.28%
24 Month Jumbo Share Certificate - Min. Bal. $100,000 2.55% 2.58%
36 Month Jumbo Share Certificate - Min. Bal. $100,000 3.05% 3.10%
48 Month Jumbo Share Certificate - Min. Bal. $100,000 3.15% 3.20%
60 Month Jumbo Share Certificate - Min. Bal. $100,000 3.25% 3.30%

*APY - Annual Percentage Yield. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo IRA Share Certificates

Term Dividend Rate APY*
6 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 1.25% 1.26%
12 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 2.25% 2.28%
24 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 2.55% 2.58%
36 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 3.05% 3.10%
48 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 3.15% 3.20%
60 Month Jumbo IRA Share Certificate - Min. Bal. $100,000 3.25% 3.30%

*APY - Annual Percentage Yield. All rates subject to change without notice.

EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date. See our Truth in Savings disclosure for details.

Amount of Penalty - For Share Certificate and IRA Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

Terms of 6 months = 3 months’ dividends

Terms of 1 year = 6 months’ dividends

Terms of 2 years = 1 years’ dividends

Terms of 3 years or longer = 2 years’ dividends