Rates

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.

***Summer Vehicle Loan Special is a limited time offer. Offer ends September 30, 2023. Approved applicants will receive $100.

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.

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.

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.

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.

**Summer Personal Loan Special is a limited time offer. Offer ends September 30, 2023.

Savings & Checking Accounts

*Annual Percentage Yield (APY) is accurate as of June 01, 2023 and is subject to change at any time.

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.

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. 

Share Certificates

* Annual Percentage Yield (APY) is accurate as of June 01, 2023, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

IRA Share Certificates

*Annual Percentage Yield (APY) is accurate as of June 01, 2023, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo Share Certificates

*APY – Annual Percentage Yield is accurate as of June 01, 2023. 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

*Annual Percentage Yield (APY) is accurate as of June 01, 2023 and is subject to change at any time.

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