Rates & Fees

Rates effective as of: 04/19/2017

Savings Account Rates

Type/Term APY Dividend Rate
Savings 0.15% 0.15%
IRA Share Account 0.15% 0.15%
Health Savings Account 0.15% 0.15%
Johnny Appleseed 0.15% 0.15%
Performance Fund Money Market $0-$999 0.10% 0.10%
Performance Fund Money Market $1,000-$4,999 0.10% 0.10%
Performance Fund Money Market $5,000-$9,999 0.10% 0.10%
Performance Fund Money Market $10,000-$24,999 0.15% 0.15%
Performance Fund Money Market $25,000-$49,999 0.20% 0.20%
Performance Fund Money Market $50,000-$74,999 0.25% 0.25%
Performance Fund Money Market $75,000+ 0.30% 0.30%
Performance Plus Money Market $0-$999 0.10% 0.10%
Performance Plus Money Market $1,000-$2,499 0.10% 0.10%
Performance Plus Money Market $2,500-$9,999 0.10% 0.10%
Performance Plus Money Market $10,000-$24,999 0.25% 0.25%
Performance Plus Money Market $25,000-$49,999 0.30% 0.30%
Performance Plus Money Market $50,000-$99,999 0.35% 0.35%
Performance Plus Money Market $100,000+ 0.40% 0.40%
Advantage Money Market $0-$49,999 0.15% 0.15%
Advantage Money Market $50,000-$99,999 0.40% 0.40%
Advantage Money Market $100,000-$199,999 0.45% 0.45%
Advantage Money Market $200,000+ 0.50% 0.50%
Share Certificate 91 Days* 0.35% 0.35%
Share Certificate 182 Days 0.50% 0.50%
Share Certificate 5 Months 0.40% 0.40%
Share Certificate 12 Months 0.65% 0.65%
Share Certificate 18 Months 0.75% 0.75%
Share Certificate 24 Months 0.95% 0.95%
Share Certificate 25 Months 0.95% 0.95%
Share Certificate 36 Months 1.35% 1.34%
Share Certificate 48 Months 1.45% 1.44%
Share Certificate 60 Months 1.60% 1.59%
Share Certificate 91 Day Jumbo* 0.40% 0.40%
Share Certificate 6 Month Jumbo 0.55% 0.55%
Share Certificate 9 Month Jumbo 0.65% 0.65%
Share Certificate 12 Month Jumbo 0.70% 0.70%
Share Certificate 36 Month HSA 1.35% 1.34%
*91 Days not available for IRAs

Savings & Money Market Rate Schedule

Account Dividends Compounded Dividends Credited Dividends Period Minimum Opening Deposit Minimum to Avoid Service Fee Minimum to Earn Stated APY
Savings Monthly Monthly Calendar Month $25 $25 $0
Sub Savings & Christmas Club1 Monthly Monthly Calendar Month $25 $25 $0
Performance Fund & Performance Plus Monthly Monthly Calendar Month $1,000 $1,000 Tiered
Advantage Money Market Monthly Monthly Calendar Month $10,000 $10,000 Tiered
HSA Monthly Monthly Calendar Month $5 $0 $0
IRA Share Monthly Monthly Calendar Month $5 $0 $0
Johnny Appleseed Monthly Monthly Calendar Month $5 $0 $0

  1. Christmas Club Account funds are available from November 1 – December 31. Early withdrawals will be charged a fee of $10.00.
  • Insured by NCUA up to $250,000.
  • Fees may reduce the earnings on some accounts.
  • Rates are subject to change without notice.
  • Annual Percentage Yield applies when the dividend is reinvested in the account.
  • Early withdrawal on certificates 91 days through 24 months will result in a penalty equal to 90 days dividend, at the certificate rate, on the amount withdrawn. 91 day Jumbo certificate early withdrawal penalty is equal to 7 days dividends whether earned or unearned.
  • Early withdrawal on certificates over 24 months will result in a penalty equal to 182 days dividend, at the certificate rate, on the amount withdrawn.
  • A certificate may not be reduced below the required minimum balance.

Checking Account Rates

Account/Tier APY Dividend Rate
Dividend Checking 0.05% 0.05%
Gold Checking 0.05% 0.05%
Health Checking Account 0.05% 0.05%
Advantage Checking $0-$999 0.05% 0.05%
Advantage Checking $1,000-$9,999 0.05% 0.05%
Advantage Checking $10,000-$24,999 0.05% 0.05%
Advantage Checking $25,000+ 0.10% 0.10%

Checking Account Rate Schedule

Account Dividends Compounded Dividends Credited Dividends Period Minimum Opening Deposit Minimum to Avoid Service Fee Minimum to Earn Stated APY Courtesy Pay Maximum2
Simply Free N/A N/A N/A $0 N/A N/A $800
Dividend Monthly Monthly Calendar Month $100 $400 $0 $800
Gold1 Monthly Monthly Calendar Month $100 N/A $0 $800
Advantage Monthly Monthly Calendar Month $5,000 $5,000 Tiered $800
HSA Monthly Monthly Calendar Month $5 $0 N/A N/A

Dividend Tiers

Advantage Checking, Performance Fund, Performance Plus and Advantage Money Market accounts earn dividends according to the following tiers:
Account Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6 Tier 7
Advantage Checking $0.00 – $999 $1,000 – $9,999 $10,000 – $24,999 $25,000+ N/A N/A N/A
Advantage Money Market $0.00 – $49,999 $50,000 – $99,999 $100,000 – $199,999 $200,000+ N/A N/A N/A
Performance Fund $0.00 – $999 $1,000 – $4,999 $5,000 – $9,999 $10,000 – $24,999 $25,000 – $49,999 $50,000 – $74,999 $75,000+
Performance Plus $0.00 – $999 $1,000 – $2,499 $2,500 – $9,999 $10,000 – $24,999 $25,000 – $49,999 $50,000 – $99,999 $100,000+

  1. Ages 50 & Up
  2. Courtesy Pay is a non-contractual courtesy and is discretionary. Some restrictions apply. 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. Ask for details.
  • Insured by NCUA up to $250,000.
  • Fees may reduce the earnings on some accounts.
  • Rates are subject to change without notice.
  • Annual Percentage Yield applies when the dividend is reinvested in the account.

Business Deposit Rates

Account/Tier APY Dividend Rate
Savings 0.15% 0.15%
Business Advantage Checking $0-$4,999 0.00% 0.00%
Business Advantage Checking $5,000-$9,999 0.05% 0.05%
Business Advantage Checking $10,000-$24,999 0.05% 0.05%
Business Advantage Checking $25,000+ 0.10% 0.10%
Performance Fund Money Market $0-$999 0.10% 0.10%
Performance Fund Money Market $1,000-$4,999 0.10% 0.10%
Performance Fund Money Market $5,000-$9,999 0.10% 0.10%
Performance Fund Money Market $10,000-$24,999 0.15% 0.15%
Performance Fund Money Market $25,000-$49,999 0.20% 0.20%
Performance Fund Money Market $50,000-$74,999 0.25% 0.25%
Performance Fund Money Market $75,000+ 0.30% 0.30%
Performance Plus Money Market $0-$999 0.10% 0.10%
Performance Plus Money Market $1,000-$2,499 0.10% 0.10%
Performance Plus Money Market $2,500-$9,999 0.10% 0.10%
Performance Plus Money Market $10,000-$24,999 0.25% 0.25%
Performance Plus Money Market $25,000-$49,999 0.30% 0.30%
Performance Plus Money Market $50,000-$99,999 0.35% 0.35%
Performance Plus Money Market $100,000+ 0.40% 0.40%
Advantage Money Market $0-$49,999 0.15% 0.15%
Advantage Money Market $50,000-$99,999 0.40% 0.40%
Advantage Money Market $100,000-$199,999 0.45% 0.45%
Advantage Money Market $200,000+ 0.50% 0.50%
Share Certificate 91 Days* 0.35% 0.35%
Share Certificate 182 Days 0.50% 0.50%
Share Certificate 12 Months 0.65% 0.65%
*91 Days not available for IRAs

Business Savings & Money Market Rate Schedule

Account Dividends Compounded Dividends Credited Dividends Period Minimum Opening Deposit Minimum to Avoid Service Fee Minimum to Earn Stated APY
Performance Fund & Performance Plus Monthly Monthly Calendar Month $1,000 $1,000 Tiered
Advantage Money Market Monthly Monthly Calendar Month $10,000 $10,000 Tiered
Business Savings Monthly Monthly Calendar Month $25 $25 $0
Business Sub Savings Monthly Monthly Calendar Month $0 $0 $0

  • Insured by NCUA up to $250,000.
  • Fees may reduce the earnings on some accounts.
  • Rates are subject to change without notice.
  • Annual Percentage Yield applies when the dividend is reinvested in the account.
  • Early withdrawal on certificates 91 days through 24 months will result in a penalty equal to 90 days dividend, at the certificate rate, on the amount withdrawn. 91 day Money Market certificate early withdrawal penalty is equal to 7 days dividends whether earned or unearned.
  • Early withdrawal on certificates over 24 months will result in a penalty equal to 182 days dividend, at the certificate rate, on the amount withdrawn.
  • A certificate may not be reduced below the required minimum balance.

Auto Loan Rates

Loan 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

*Annual Percentage Rate/With Approved Credit. Available for new and refinanced auto loans on model years 2010 and newer. Existing Truity Credit Union loans require a 25% balance increase, subject to terms. Fixed rate with terms up to 60 months. Loan payment example: $15,000 at 2.79% for 60 months = $268.13 per month. Other rates and terms available.

See Disclosures, Terms and Conditions

Recreational Loan Rates

Loan APR
Motorcycles 600-749cc8.39%
Motorcycles over 750cc7.09%
New/Used RVs, Travel Trailers, Boats8.39%
Used RVs, Travel Trailers, Boats, Motorcycles (750cc & over and all year models under 750cc)9.59%
Other Secured Loans9.39%

See Disclosures, Terms and Conditions

Home Loan Rates

Type/Term Rate APR
30 Year Fixed Rate 4.000% 4.064%
15 Year Fixed Rate 3.250% 3.361%
10 Year Fixed Rate 3.250% 3.410%
5 Year Adjustable Rate - 30 Year Term 3.375% 3.679%
3 Year Adjustable Rate - 30 Year Term 3.875% 3.842%
1 Year Adjustable Rate - 30 Year Term 3.750% 3.813%

*Important Notices

  • The rates shown are for borrowers with excellent credit. 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 and pay your application deposit.
     
  • The interest rates and annual percentage rate (APRs) shown above are subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term and the percentage of remaining equity in your home.
     
  • Your APR will vary based on your final loan amount and actual finance charges.
     
  • Consult your tax advisor about deductibility.
     
  • Adequate homeowner's insurance coverage is a requirement for this loan.
** The Annual Percentage Rate is based on the value of an index, (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year) plus a margin. The margin will be added to the index and will range from 3.5% to 5.125% to determine your actual interest rate. The interest rate is adjustable and can change each calendar quarter.

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

MyMoney Loan Rates

Type/Term APR
Share Secured Loan VARIABLE 2% Over the Current Dividend Rate
Share Certificate Secured Loan FIXED 2% Over the Current Dividend Rate

See Disclosures, Terms and Conditions

Personal Loan & Credit Card Rates

Card Program Tier A Tier B Tier C Tier D Tier E
Platinum Rate VISA 9.49% 10.49% 11.49% 14.49% 18.00%
Platinum Rewards VISA 10.49% 11.49% 12.49% 15.49% 18.00%
Signature Rewards VISA 11.49% 12.49% 13.49% 16.49% 18.00%
Loan APR
Personal Loan FIXED10.65%
Line of Credit 10.65%

Please see Terms and Conditions for rate, fee, and other cost information. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the Card Holder Agreement and applicable law.

APR: Annual Percentage Rate 

Prime Rate: Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime rate published in The Wall Street Journal on the 25th day of each month. If the Journal is not published on that day, then see the immediately preceding edition. Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods.

Signature Rewards VISA - 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 - 660; for D credit APR you need a credit score of 659 – 640; for E credit APR you need a credit score of 639 or lower. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.

Platinum Rewards VISA - We add 6.74% to the Prime Rate to determine the APR for A credit; we add 7.74% to the Prime Rate to determine the APR for B credit; we add 8.74% to the Prime Rate to determine the APR for C credit; we add 11.74% 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 - 660 or higher; for D credit APR you need a credit score of 659 – 640; for E credit APR you need a credit score of 639 or lower. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.

Platinum Rate VISA - 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 - 660 or higher; for D credit APR you need a credit score of 659 – 640; for E credit APR you need a credit score of 639 or lower. The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.

See Disclosures, Terms and Conditions

Fee Schedule

SAVINGS ACCOUNT FEES
Service Charge Fee $2.00 per month if minimum balance is not maintained
Savings Account Closing Fee $10.00 if account is opened less than six months
MONEY MARKET ACCOUNT FEES
Advantage Money Market / Business Advantage Money Market Service Charge $10.00 per month if average daily balance is below $10,000
Performance Fund / Performance Plus
Business Performance Fund / Business Performance Plus Service Charge
$10.00 per month if average daily balance is below $1,000
Excessive Draft Fee $10.00 per draft after three drafts per month
Performance Fund / Performance Plus Drafts Prices vary for pre-printed drafts
CHECKING ACCOUNT FEES
Check Printing FREE (our style; one box per order; non-duplicate or $10 towards the style of your choice)*
Business Check Printing Prices vary depending on style
Dividend Checking Account Service Charge $8.00 per month if average daily balance is below $400
Traditional Business Checking Account Service Charge $10.00 per month if average daily balance is below $1,000
Advantage & Advantage Business Account Service Charge $10.00 per month if average daily balance is below $5,000
Debit Card Replacement First replacement card is free, $10.00 for each subsequent card
Temporary Checks $0.25 each, max of 12 (4 checks per sheet)
OTHER SERVICE FEES (Apply to all accounts)
*Free checks for Gold and Advantage Checking accounts.
  1. Excluding accounts whose primary member is under 18 and checking accounts with direct deposit.
  2. Less than $100 and no activity for 6 months. Non-minor accounts only.
Online Banking, Bill Pay, & eStatements FREE
Mobile Banking FREE
Mobile Deposit FREE
VISA Debit Card FREE
ATM Card $3.00 per month
ATM Balance Inquiry $1.00 per inquiry
ATM Surcharge $1.00 per transaction for savings-only holders
Account Reconciliation $25.00 per hour
Account Research $25.00 per hour
Cancelled Check Copy $2.00 per copy
Cashier's Check $3.00 per check
Check Cashing1 $8.00 for members with less than $100 average balance
Collection Items $15.00 per item
Courtesy Pay Fee $28.00 per item
Deposited Item Return $10.00 per item
Garnishments / Tax Levy $30.00 per item
Inactive Account2 $5.00 per month
Insufficient Funds Fee $28.00 per item
Money Orders $3.00 per item
Overdraft Transfer $3.00 per transaction
Service Wire $5.00 per wire
Statement Copy $3.00 per copy
Stop Payment Fee $28.00 per item
Undeliverable Mail Fee $10.00 after return of second statement
Verification of Deposit $10.00 per item
Domestic Wire Transfer $17.00 per transfer
International Wire Transfer $50.00 per transfer
 
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