12. One Business Name It Save It share per account. Four FREE withdrawals every rolling 12-month period from open date; $10.00 fee for all other withdrawals. Maximum balance is $100,000.00. Balance over $100,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection or automated withdrawals.

13. One Business Premier Savings share per account. Two FREE withdrawals every 12-month period from open date; $20.00 fee for all other withdrawals. Minimum opening balance required is $50,000. Maximum balance is $500,000.00. Balance over $500,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection or automated withdrawals.

14. Balances on Business Savings and Business Checking accounts are calculated using the average daily balance method, which applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Balances on Business Performance Plus and Advantage Business Money Market accounts are calculated using the daily balance method. The daily balance method applies a daily period rate to the balance each day.

15. Includes Business Sub Savings

17. Balances on Checking accounts are calculated using the average daily balance method. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

19. Christmas Club Account funds are available from November 1 - December 31. Early withdrawals will be charged a fee of $10.00.

20. Courtesy Pay is a non-contractual courtesy and is discretionary. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Not available for Fresh Start accounts.

24. The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.

27. An early withdrawal penalty will be imposed if Share Certificate funds other than credited dividends are withdrawn before the maturity date. A certificate may not be reduced below the required minimum balance. Share Certificates and HSA Certificates with terms of 24 months or less will forfeit 90 days of dividends whether earned or unearned. Share Certificates and HSA Certificates with terms greater than 24 months will forfeit 182 days of dividends whether earned or unearned. 91 Day Jumbo Certificates will forfeit 7 days of dividends whether earned or unearned.

30. Rate subject to credit approval. Personal loan payment example: $5,000 at 11.25% for 60 months=$109.34 per month. Personal loans are cross-collateralized. Terms up to 60 months. Other rates and terms available. See credit union for details.

31. Rate subject to credit approval and criteria. Available for new and refinanced recreational loans. Existing Truity Credit Union loans require a 25% balance increase, subject to approval. Loan payment example: $30,000 at 8.99% for 60 months=$622.61 per month. Other rates and terms available. New Units - up to 90% of purchase price. Units up to 4 years old - up to 90% of purchase price or up to 90% of NADA Retail, whichever is less. Units 5 years and older - up to 80% of NADA Retail or up to 80% of purchase price, whichever is less. See credit union for details.

33. Secured Loan: Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share rate and is variable. Share Certificate Secured Loan: Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share certificate rate.

34. Variable rate loan. Rates are based on a primary residence purchase for members with excellent credit in Bartlesville, OK. Your rate will be based on credit history and loan type. Rates are accurate as of the date listed and are subject to change anytime. This information was not compiled in accordance with advertising regulations and is not intended for public dissemination. We do not allow you to lock your interest rate online. A Loan Officer will contact you to lock your rate after you submit your application. The actual interest rate offered and Annual Percentage Rate (APR) is based on your credit history, product, loan term and the percentage of remaining equity in your home, and may be different than the rate displayed here. The rates shown on this page are for borrowers with excellent credit and are subject to change without notice. You should always consult a tax advisor about deductibility. Adequate homeowner's insurance coverage is a requirement for this loan. We do business in accordance with the federal Fair Housing Law and the Equal Credit Opportunity Act.

Truity Federal Credit Union’s NMLS Institution ID# 619450

 

36. 19 month and 91 Day Certificate not available for IRA.

37. Johnny Appleseed accounts apply to members from newborn to 13 years of age. When the child reaches the age of 13, the Johnny Appleseed Account automatically converts to a Primary Share, requiring a minimum balance of $5.00 to maintain membership. Savings account terms and fee schedules apply.

38. APR = Annual Percentage Rate. With approved credit. Variable rates based on your creditworthiness and subject to change. Monthly payments are 3% of your credit limit or the balance, whichever is less. No origination fee.

40. Credit union membership savings (Share) par value is $5.00.

44. One Name It Save It share per account. Four FREE withdrawals every rolling 12-month period from open date; $10.00 fee for all other withdrawals. Maximum balance is $150,000.00. Balance over $150,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection or automated withdrawals. As high as Annual Percentage Yields (APY) are subject to change without notice. Fees may reduce earnings on the account.

46. We add 5.74% to the Prime Rate to determine the APR for A credit; we add 6.74% to the Prime Rate to determine the APR for B credit; we add 7.74% to the Prime Rate to determine the APR for C credit; we add 10.74% to the Prime Rate to determine the APR for D credit; we add 14.65% to the Prime Rate to determine the APR for E credit. To receive A credit APR you need a credit score of 740 or higher; B credit APR you need a credit score of 739 - 690; C credit APR you need a credit score of 689 - 650 or higher; for D credit APR you need a credit score of 649 - 620; for E credit APR you need a credit score of 619 or lower. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.

50. One Premier Savings share per account. Two FREE withdrawals every 12-month period from open date; $20.00 fee for all other withdrawals. Minimum opening balance required is $50,000. Maximum balance is $500,000.00. Balance over $500,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection or automated withdrawals.

51. Rates are subject to change without notice.

54. Balances on Savings, Sub Savings, Name It Save It, IRA, Health Savings (HSA), and Johnny Appleseed accounts are calculated using the average daily balance method. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Balances on Premier Savings, Performance Plus, and Advantage Money Market accounts are calculated using the daily balance method. The daily balance method applies a daily period rate to the balance each day.

55. Free transfers from a money market or a savings account to another account or to third parties by preauthorized, automatic, internet, telephone, or other electronic means, along with checks and debit cards, are limited to six per calendar month or statement cycle. Daily withdrawal limitations apply for ATM and Point of Sale (POS) transactions.

56. We add 7.74% to the Prime Rate to determine the APR for A credit; we add 8.74% to the Prime Rate to determine the APR for B credit; we add 9.74% to the Prime Rate to determine the APR for C credit; we add 12.74% to the Prime Rate to determine the APR for D credit; we add 14.65% to the Prime Rate to determine the APR for E credit. To receive A credit APR you need a credit score of 740 or higher; B credit APR you need a credit score of 739 - 690; C credit APR you need a credit score of 689 - 650 or higher; for D credit APR you need a credit score of 649 - 620; for E credit APR you need a credit score of 619 or lower. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.

57. Includes Sub Savings, Johnny Appleseed, and Christmas Club.

60. One Saving for Good share per account. Four FREE withdrawals every rolling 12-month period from open date; $10.00 fee for all other withdrawals. Balance over $100,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection or automated withdrawals. Only available to Non-Profit organizations (501 tax-exempt status).

61. Auto loan payment example: $20,000 at 6.74% for 60 months=$393.58 per month. Other rates and terms available.

65. With approved credit. Rates and terms are based on creditworthiness. Advantage Personal loan payment example: $10,000 borrowed at 9.25% APR for 60 months = $208.80 per month; your actual payment may differ based on your qualifying rate, amount borrowed, and loan term. Origination fee is 2.21% of loan amount, not to exceed $300. These loans will be cross-collateralized.

73. Annual Percentage Yield (APY). 5.00% APY is paid on balances up to $5,000; .10% APY is paid on balances over $5,000 for a blended overall rate; rates effective 5/1/24 and subject to change. The following account qualifications must be met to earn the qualifying APY: (1) Twenty (20) debit card transactions must clear the account, and (2) a total of $1000 in direct deposit into this checking account by the end of the month. If both are not met, .10% APY will be paid on the balances. One High Yield Checking per account.

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