Savings Account Rates
Savings & Money Market Rate Schedule
An early withdrawal penalty will be imposed if Share Certificate funds other than credited dividends are withdrawn before the maturity date. A certificate may not be reduced below the required minimum balance. Share Certificates and HSA Certificates with terms of 24 months or less will forfeit 90 days of dividends whether earned or unearned. Share Certificates and HSA Certificates with terms greater than 24 months will forfeit 182 days of dividends whether earned or unearned. 91 Day Jumbo Certificates will forfeit 7 days of dividends whether earned or unearned.
*11 Month, 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.
7. One Premier Savings share per account. One FREE withdrawal every 12-month period from open date; $20.00 fee for all other withdrawals. Minimum opening balance required is $50,000. Maximum balance is $250,000.00. Balance over $250,000.00 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
An early withdrawal penalty will be imposed if Share Certificate funds other than credited dividends are withdrawn before the maturity date. A certificate may not be reduced below the required minimum balance. Share Certificates and HSA Certificates with terms of 24 months or less will forfeit 90 days of dividends whether earned or unearned. Share Certificates and HSA Certificates with terms greater than 24 months will forfeit 182 days of dividends whether earned or unearned. 91 Day Jumbo Certificates will forfeit 7 days of dividends whether earned or unearned.
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 3.99% for 60 months = $368.24 per month. Other rates and terms available.
See Disclosures, Terms and Conditions
Home Loan Rates
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.
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.