Savings Account Rates
Savings & Money Market Rate Schedule
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91 days through 24 months will result in a penalty equal to 90 days dividend, at the certificate rate, on the amount withdrawn. 91 day Money Market certificate early withdrawal penalty is equal to 7 days dividends whether earned or unearned.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certificates over 24 months will result in a penalty equal to 182 days dividend, at the certificate rate, on the amount withdrawn.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.
* 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
Checking Account Rate Schedule
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
Business Deposits & Money Market Rate Schedule
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91 days through 24 months will result in a penalty equal to 90 days dividend, at the certificate rate, on the amount withdrawn. 91 day Money Market certificate early withdrawal penalty is equal to 7 days dividends whether earned or unearned.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certificates over 24 months will result in a penalty equal to 182 days dividend, at the certificate rate, on the amount withdrawn.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
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
Home Loan Rates
1. All rate quotes are based on a 30 day lock on a primary residence for members with excellent credit in Bartlesville, OK. Annual Percentage Rates (APRs) for Conventional loans are based on an 80% LTV, $80,000.00 loan, FHA loans are based on a 96.5% LTV, $96,500.00 loan, and VA loans are based on a 100% LTV, $100,000.00 loan. Rates and points are subject to change without notice. This information was not compiled in accordance with regulations governing advertising and is not intended for public dissemination. 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.
Personal Loan & Credit Card Rates
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
Rates are subject to change without notice.
Federally insured by NCUA.