Loan Details and Disclosures

Rates effective as of  01/04/2017

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.


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 3.79% 72
Autos 2013-New 4.09% 84
Autos 2012-2011 4.39% 60
Autos 2012-2011 4.79% 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.


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

New & Used RVs, Travel Trailers, or Boats Up to 4 years old 8.39% NADA/Retail 72 Used RVs, Travel Trailers, Boats, Motorcycles
(750cc & over and all year models under 750cc) 5 years old & older 9.59% NADA/Trade 60 Other Secured, Regardless of Age:
Jet Skis, Wave Runners, ATVs, Tractors, Mowers, Horse Trailers 9.39% NADA/Retail 60

MyMoney Loans


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 Current Dividend Rate Up to 60, 12 Months Per $1000
Share Certificate Secured 2% Over Current Dividend Rate NA Up to 60, 12 Months Per $1000
 
Follow us