Loan Details and Disclosures

Rates effective as of  08/01/2017

Auto Loans

Annual Percentage Rate/With Approved Credit. Existing Truity Credit Union loans require a 25% balance increase, subject to terms. Fixed rate with terms up to 84 months.

APR

Annual Percentage Rate/With Approved Credit. Special Promo Rates are subject to change without notice and are not available for refinancing existing credit union loans. Variable rate subject to change quarterly; however, monthly payments will not change. Annual percentage rate may vary. $60 documentation fee applies which is considered a finance charge. Members are required to maintain at least $25 in a Share 1 account.

Term

Approximate term. The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products.

Closed-end Loans: Rates As Low As APR Term
Autos 2013-New 3.39% 60
Autos 2013-New 3.99% 72
Autos 2013-New 4.49% 84
Autos 2012-2011 4.39% 60
Autos 2012-2011 4.99% 72
Autos 2010-2009 5.79% 60

Home Loans

Actual interest rates and APRs may vary based on credit history and type of loan applied. Rates and terms are based on an evaluation of each member's credit history, loan-to-value (LTV), occupancy, payment type, loan amount, discount points, and loan purpose, so your rate and terms may differ.

Rates are subject to change—information provided does not constitute a loan commitment.

APR—Annual Percentage Rate

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Type/Term Rate APR
30 Year Fixed Rate 3.875% 3.938%
15 Year Fixed Rate 3.250% 3.360%
10 Year Fixed Rate 3.250% 3.410%
5 Year Adjustable Rate - 30 Year Term 3.375% 3.838%
3 Year Adjustable Rate - 30 Year Term 3.750% 4.005%
1 Year Adjustable Rate - 30 Year Term 3.500% 4.020%

Personal Loans

Personal loans are cross-collateralized. Terms up to 60 months.

Personal Loans: Rates As Low As FIXED APR Variable APR Term
Personal 10.65% NA Up to 60, 12 Months Per $1000
Line of Credit 10.65% NA Revolving

Recreational Loans

Motorcycles over 750cc., Motorcycles 600-749 cc., and New/Used RVs, Travel Trailers and Boats: 90% of Purchase / NADA Used or Average Retail

Used RVs, Travel Trailers, Boats, Motorcycles (750cc. & over and all year models under 750cc.): 90% of NADA Loan Value

Jet Skis, Wave Runners, ATVs, Tractors, Mowers, and Horse Trailers: New: Up to 90% of Purchase Price; Used: Up to 90% of NADA Used Trade-in

Closed-end Loans: Rates As Low As APR Term
Cycle 750cc+ New-2013 7.09 72
Cycle 750cc+ 2012 & Older 8.39 60
Cycle 600-749cc/ATVs New-2013 8.39 72
Cycle 600-749cc/ATVs 2012 & Older 9.59 60
Other Secured New-2013 8.39 NADA/Retail 72
Other Secured 2012 & Older 9.59 NADA/Trade 60
Tractors/Mowers/Utility 9.39 NADA/Retail 60

MyMoney Loans

Share Secured Loan
A share secured loan is a loan that is secured or guaranteed by a shareholder's savings account. A Share Secured Loan is a good idea if you are looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With a Share Secured Loan, you borrow against your savings and receive a low-rate loan, while still earning interest on your financial resources on deposit!

Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share rate and is variable.

Share Certificate Secured Loan
An important step toward achieving your financial goals is establishing good credit. With a Share Certificate Secured Loan, you can begin to build good credit by using share certificates as collateral for a loan. When you apply for a Share Certificate Secured Loan, you agree to "freeze" the dollar amount of the loan in your share certificate. The funds are used as collateral until you repay your loan. However, you continue to earn dividends on your funds. As you repay your loan, you regain access to the pledged funds.

Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share certificate rate.

MyMoney Loans: Rates As Low As FIXED APR Variable APR Term
Share Secured NA 2% Over rate Up to 60, 12 Months Per $1000
Share Certificate Secured 2% Over rate NA Up to 60, 12 Months Per $1000
APR/WAC—Annual Percentage Rate/With Approved Credit. Rates are based on an evaluation of credit history, so your rate may differ.

Fixed Rates—Fixed rates will apply for the life of the loan.
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