Rates & Fees

Checking Account Rates

Account/Tier	APY	Dividend Rate
Dividend Checking	0.10%	0.10%
Identity Checking	0.10%	0.10%
Gold Checking1	0.10%	0.10%
Health Checking Account	0.10%	0.10%
Advantage Checking $0-$999	0.10%	0.10%
Advantage Checking $1,000-$9,999	0.10%	0.10%
Advantage Checking $10,000-$24,999	0.10%	0.10%
Advantage Checking $25,000+	0.15%	0.15%

Checking Account Rate Schedule

Account	Dividends Compounded	Dividends Credited	Dividends Period	Minimum Opening Deposit	Minimum to Avoid Service Fee	Minimum to Earn Dividends	Courtesy Pay Maximum5
*Average Daily Balance
Simple	N/A	N/A	N/A	$0	N/A	N/A	$800
Dividend	Monthly	Monthly	Calendar Month	$0	$400*	$0	$800
Gold1	Monthly	Monthly	Calendar Month	N/A	N/A	$0	$800
Advantage	Monthly	Monthly	Calendar Month	$5,000	$5,000*	Tiered	$800
HSA Checking	Monthly	Monthly	Calendar Month	$5	$0	$0	N/A
Identity	Monthly	Monthly	Calendar Month	$0	N/A	$1,000*	$800

1. Gold Checking is no longer offered in our Checking Portfolio, however, current Gold Checking account holders will continue to receive dividends on their account.

5. Some restrictions apply. 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. Ask for details.

Business Deposit Rates

Account/Tier	APY	Dividend Rate
Savings	0.20%	0.20%
Business Advantage Checking $0-$4,999	0.00%	0.00%
Business Advantage Checking $5,000-$9,999	0.10%	0.10%
Business Advantage Checking $10,000-$24,999	0.10%	0.10%
Business Advantage Checking $25,000+	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	0.35%	0.35%
Performance Plus Money Market $50,000-$99,999	0.40%	0.40%
Performance Plus Money Market $100,000+	0.45%	0.45%
Advantage Money Market $0-$49,999	0.15%	0.15%
Advantage Money Market $50,000-$99,999	0.45%	0.45%
Advantage Money Market $100,000-$199,999	0.50%	0.50%
Advantage Money Market $200,000+	0.55%	0.55%
Share Certificate 91 Days*	0.35%	0.35%
Share Certificate 182 Days	0.50%	0.50%
Share Certificate 12 Months	0.70%	0.70%
*91 Days not available for IRAs

Business Deposits & Money Market Rate Schedule

Account	Dividends Compounded	Dividends Credited	Dividends Period	Minimum Opening Deposit	Minimum to Avoid Service Fee	Minimum to Earn Dividends
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
Small Business Checking	N/A	N/A	N/A	$100	N/A	N/A
Traditional Business Checking	N/A	N/A	N/A	$100	$1,000	N/A
Advantage Business Checking	Monthly	Monthly	Calendar Month	$5,000	$5,000	Tiered

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	APR2	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

2. Annual Percentage Rate/With Approved Credit. Available for new and refinanced auto loans on model years 2013 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: $20,000 at 3.39% for 60 months = $362.85 per month. Other rates and terms available.

See Disclosures, Terms and Conditions

Recreational Loan Rates

Loan	APR
Motorcycles 600-749cc	8.39%
Motorcycles over 750cc	7.09%
New/Used RVs, Travel Trailers, Boats	8.39%
Used RVs, Travel Trailers, Boats, Motorcycles (750cc & over and all year models under 750cc)	9.59%
Other Secured Loans	9.39%

See Disclosures, Terms and Conditions

Home Loan Rates

Type/Term	Rate1	APR
30 Year Fixed Rate	3.875%	3.938%
15 Year Fixed Rate	3.250%	3.360%
10 Year Fixed Rate	3.250%	3.409%
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%

1. Rate quotes are based on a 30 day lock; Primary residence, excellent credit, APR based on an 60% LTV, $60,000.00 loan in Bartlesville, OK. Rates and points are subject to change without notice. Truity CU is an Equal Housing Lender.

• 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.

Annual Percentage Rate/With Approved Credit. Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

We 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 Program3	Tier A	Tier B	Tier C	Tier D	Tier E
Platinum Rate VISA	9.99%	10.99%	11.99%	14.99%	18.00%
Platinum Rewards VISA	10.99%	11.99%	12.99%	15.99%	18.00%
Signature Rewards VISA	11.99%	12.99%	13.99%	16.99%	18.00%

Loan	APR
Personal Loan FIXED	10.65%

3. 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 – 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.

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 – 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.

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 – 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.

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 for Advantage Checking (our style; one box per order; non-duplicate or $10 towards the style of your choice)*
Business Check Printing	Prices vary depending on style
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)
Identity Checking Account Service Charge	$3.00 per month
Dividend Checking Account Service Charge	$8.00 per month if average daily balance is below $400
Advantage & Advantage Business Account Service Charge	$10.00 per month if average daily balance is below $5,000
Traditional Business Checking Account Service Charge	$10.00 per month if average daily balance is below $1,000

OTHER SERVICE FEES (Apply to all accounts)
*Free checks for Advantage Checking accounts. Excluding accounts whose primary member is under 18 and checking accounts with direct deposit. 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 second return
Verification of Deposit	$10.00 per item
Domestic Wire Transfer	$17.00 per transfer
International Wire Transfer	$50.00 per transfer
Paper Statements Fee	$3.00 per month for Simple, Dividend, all Business, & HSA Checking accounts
Manual Check Processing	$10.00 per item