Truity Credit Union

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Rates & Fees

Rates effective as of: 10/17/2018

Savings Account Rates

Type/Term APY Dividend Rate
Savings 0.25% 0.25%
Name It Save It 2.00% 1.98%
IRA Share Account 0.25% 0.25%
Health Savings Account 0.25% 0.25%
Johnny Appleseed 0.25% 0.25%
Performance Fund $0-$999 0.10% 0.10%
Performance Fund $1,000-$4,999 0.10% 0.10%
Performance Fund $5,000-$9,999 0.10% 0.10%
Performance Fund $10,000-$24,999 0.15% 0.15%
Performance Fund $25,000-$49,999 0.20% 0.20%
Performance Fund $50,000-$74,999 0.25% 0.25%
Performance Fund $75,000+ 0.30% 0.30%
Performance Plus $0-$999 0.10% 0.10%
Performance Plus $1,000-$2,499 0.10% 0.10%
Performance Plus $2,500-$9,999 0.10% 0.10%
Performance Plus $10,000-$24,999 0.25% 0.25%
Performance Plus $25,000-$49,999 0.70% 0.70%
Performance Plus $50,000-$99,999 0.80% 0.80%
Performance Plus $100,000+ 0.90% 0.90%
Advantage Money Market $0-$49,999 0.15% 0.15%
Advantage Money Market $50,000-$99,999 0.90% 0.90%
Advantage Money Market $100,000-$199,999 1.00% 1.00%
Advantage Money Market $200,000+ 1.10% 1.09%
Share Certificate 91 Days* 0.50% 0.50%
Share Certificate 182 Days 1.00% 1.00%
Share Certificate 5 Mos. 0.40% 0.40%
Share Certificate 12 Mos. 1.70% 1.69%
Share Certificate 18 Mos. 1.90% 1.89%
Share Certificate 19 Mos.* 2.40% 2.38%
Share Certificate 24 Mos. 2.20% 2.18%
Share Certificate 25 Mos. 1.10% 1.10%
Share Certificate 36 Mos. 2.40% 2.38%
Share Certificate 48 Mos. 2.50% 2.48%
Share Certificate 60 Mos. 2.75% 2.72%
Share Certificate 91 Day Jumbo* 0.40% 0.40%
Share Certificate 6 Mo. Jumbo 1.05% 1.05%
Share Certificate 9 Mo. Jumbo 1.75% 1.74%
Share Certificate 12 Mo. Jumbo 2.00% 1.99%
Share Certificate 19 Mo. HSA 2.40% 2.38%
Share Certificate 36 Mo. HSA 2.40% 2.38%

Savings & Money Market Rate Schedule

Account Dividends Compounded Dividends Credited Dividends Period Min Opening Deposit Min to Avoid Service Fee Min to Earn Dividends Max to Earn Dividends
Savings Monthly Monthly Calendar Month $25 $25 $0 N/A
Name It Save It6 Monthly Monthly Calendar Month $0 $0 $0 $50,000
Sub Savings & Christmas Club10 Monthly Monthly Calendar Month $25 $25 $0 N/A
Performance Fund & Performance Plus Monthly Monthly Calendar Month $1,000 $1,000 Tiered N/A
Advantage Money Market Monthly Monthly Calendar Month $5,000 $10,000 Tiered N/A
HSA Savings Monthly Monthly Calendar Month $5 $0 $0 N/A
IRA Share Monthly Monthly Calendar Month $5 $0 $0 N/A
Johnny Appleseed Monthly Monthly Calendar Month $5 $0 $0 N/A
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.
* 19 Month and 91 Day Certificate not available for IRA.
6. One Name It Save It share per account. One FREE withdrawal every 12-month period from open date; $10.00 fee for all other withdrawals. Maximum balance is $50,000.00. Balance over $50,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection, automated withdrawals, or business accounts.
10. Christmas Club Account funds are available from November 1 – December 31. Early withdrawals will be charged a fee of $10.00.

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 0.25% 0.25%
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 $0-$999 0.10% 0.10%
Performance Fund $1,000-$4,999 0.10% 0.10%
Performance Fund $5,000-$9,999 0.10% 0.10%
Performance Fund $10,000-$24,999 0.15% 0.15%
Performance Fund $25,000-$49,999 0.20% 0.20%
Performance Fund $50,000-$74,999 0.25% 0.25%
Performance Fund $75,000+ 0.30% 0.30%
Performance Plus $0-$999 0.10% 0.10%
Performance Plus $1,000-$2,499 0.10% 0.10%
Performance Plus $2,500-$9,999 0.10% 0.10%
Performance Plus $10,000-$24,999 0.25% 0.25%
Performance Plus $25,000-$49,999 0.70% 0.70%
Performance Plus $50,000-$99,999 0.80% 0.80%
Performance Plus $100,000+ 0.90% 0.90%
Advantage Money Market $0-$49,999 0.15% 0.15%
Advantage Money Market $50,000-$99,999 0.90% 0.90%
Advantage Money Market $100,000-$199,999 1.00% 1.00%
Advantage Money Market $200,000+ 1.10% 1.09%
Share Certificate 91 Days* 0.50% 0.50%
Share Certificate 182 Days 1.00% 1.00%
Share Certificate 12 Mos. 1.70% 1.69%
*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 N/A
Advantage Money Market Monthly Monthly Calendar Month $5,000 $10,000 Tiered N/A
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 2015-New 3.89% 60
Autos 2015-New 4.09% 72
Autos 2015-New 5.29% 84
Autos 2013-2014 4.59% 60
Autos 2013-2014 4.79% 72
Autos 2011-2012 5.19% 60
Autos 2011-2012 5.79% 72
Autos 2009-2010 6.39% 48
Autos 2009-2010 6.79% 60
2008 and Older 8.79% 48

2. Annual Percentage Rate/With Approved Credit. Available for new and refinanced auto loans on model years 2015 and newer. Existing Truity Credit Union loans require a 25% balance increase, subject to terms. Fixed rate with terms up to 72 months. Loan payment example: $20,000 at 3.29% for 72 months = $306.48 per month. Other rates and terms available.

See Disclosures, Terms and Conditions

Recreational Loan Rates

Loan APR
Motorcycles 600-749cc8.79%
Motorcycles over 750cc7.49%
New/Used RVs, Travel Trailers, Boats9.99%
Used RVs, Travel Trailers, Boats, Motorcycles (750cc & over and all year models under 750cc)9.99%
Other Secured Loans9.99%

See Disclosures, Terms and Conditions

Home Loan Rates

Type/Term Rate1 APR
Conventional 30 Year Fixed Rate 5.000% 5.067%
Conventional 15 Year Fixed Rate 4.375% 4.489%
Conventional 10 Year Fixed Rate 4.375% 4.538%
Conventional 5 Year Adjustable Rate - 30 Year Term 4.750% 5.205%
Conventional 3 Year Adjustable Rate - 30 Year Term 5.375% 5.444%
Conventional 1 Year Adjustable Rate - 30 Year Term 4.000% 5.286%
Relocation 30 Year Fixed Rate 5.000% 5.067%
Relocation 15 Year Fixed Rate 4.375% 4.489%
Relocation 10 Year Fixed Rate 4.375% 4.538%
Relocation 5 Year Adjustable Rate - 30 Year Term 4.750% 5.205%
Relocation 3 Year Adjustable Rate - 30 Year Term 5.250% 5.413%
Relocation 1 Year Adjustable Rate - 30 Year Term 4.000% 5.286%

1. All rates shown are based on a 30-day lock on a primary residence for members with excellent credit. Annual Percentage Rates (APRs) for Conventional loans are based on an 80% Loan to Value (LTV), $80,000.00 loan amount. Rates and points are subject to change without notice and may differ as many factors go into providing a mortgage loan.

  • 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 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.
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 Program3 Tier A Tier B Tier C Tier D Tier E
Platinum Rate VISA 10.74% 11.74% 12.74% 15.74% 18.00%
Platinum Rewards VISA 11.74% 12.74% 13.74% 16.74% 18.00%
Signature Rewards VISA 12.74% 13.74% 14.74% 17.74% 18.00%
Loan APR
Personal Loan FIXED11.05%

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
Name It Save It Excessive Draft Fee $10.00 for more than 1 withdrawal in 12 month period
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.
  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 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
Rates are subject to change without notice.
Federally insured by NCUA.