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Loan Details and Disclosures

Rates effective as of  3/4/2019

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.


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.


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 2015-New 4.09% 60
Autos 2015-New 4.59% 72
Autos 2015-New 5.79% 84
Autos 2013-2014 4.89% 60
Autos 2013-2014 5.39% 72
Autos 2011-2012 5.49% 60
Autos 2011-2012 6.19% 72
Autos 2009-2010 6.59% 48
Autos 2009-2010 7.09% 60
Autos 2008 and Older 8.99% 48

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
Line of Credit 11.25% NA Revolving
VISA Platinum Rate NA 11.24% 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
Other Secured 2012 & Older 10.19 NADA/Trade 60
Tractors/Mowers/Utility 10.19 NADA/Retail 60
VISA Platinum Rewards Revolving
VISA Signature Rewards Revolving

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 Certificate Secured 2% Over rate NA Up to 60, 12 Months Per $1000
Personal 11.25 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.