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An early withdrawal penalty will be imposed if Share Certificate funds other than credited dividends are withdrawn before the maturity date.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.**Includes Sub Savings, Johnny Appleseed, and Christmas Club.
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.
Balances on Savings, Sub Savings, Name It Save It, IRA, and Johnny Appleseed accounts are calculated using the average daily balance method. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Balances on Premier Savings, Performance Plus, and Advantage Money Market accounts are calculated using the daily balance method. The daily balance method applies a daily period rate to the balance each day.
Free transfers from a money market or a savings account to another account or to third parties by preauthorized, automatic, internet, telephone, or other electronic means, along with checks and debit cards, are limited to six per calendar month or statement cycle. Daily withdrawal limitations apply for ATM and Point of Sale (POS) transactions.
Free transfers or withdrawals from Name It Save It and Premier Savings accounts are limited to one every 12-month period from the open date. Additional withdrawals are $10.00 for the Name It Save It account and $20 for the Premier Savings account.
The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.
Johnny Appleseed accounts apply to members from newborn to 13 years of age. When a member holding a Johnny Appleseed account attains the age of 13, the account automatically becomes a savings account. Savings account terms and fee schedules apply.
Credit union membership savings (Share) par value is $5.00.
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. Courtesy Pay is a non-contractual courtesy and is discretionary. See the
full disclosure here. 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.
Balances on Checking accounts are calculated using the average daily balance method. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.
Credit union membership savings (Share) par value is $5.00.
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.Balances on Business Savings and Business Checking accounts are calculated using the average daily balance method, which applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Balances on Business Performance Plus and Advantage Business Money Market accounts are calculated using the daily balance method. The daily balance method applies a daily period rate to the balance each day.
Transfers from a money market or a savings account to another account or to third parties by preauthorized, automatic, internet, telephone, or other electronic means, along with checks and debit cards, are limited to six per calendar month or statement cycle. Daily withdrawal limitations apply for ATM and Point of Sale (POS) transactions.
The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.
Share certificates are available with various terms. Minimum to open is $500.
Credit union membership savings (Share) par value is $5.00.
Auto Loan Rates as low as
2. APR=Annual Percentage Rate. Rate subject to credit approval and criteria. Available for new and refinanced auto loans. Existing Truity Credit Union loans require a 25% balance increase, subject to approval. Loan payment example: $20,000 at 3.29% for 60 months=$361.96 per month. Other rates and terms available. See credit union for details.
See Disclosures, Terms and Conditions
Recreational Loan Rates as low as
4. APR=Annual Percentage Rate. Rate subject to credit approval and criteria. Available for new and refinanced recreational loans. Existing Truity Credit Union loans require a 25% balance increase, subject to approval. Loan payment example: $30,000 at 8.99% for 60 months=$622.61 per month. Other rates and terms available. See credit union for details.
- New Units – up to 90% of purchase price
- Units up to 4 years old – up to 90% of purchase price or up to 90% of NADA Used Retail, whichever is less
- Units 5 years and older – up to 80% of NADA Trade or up to 80% of purchase price, whichever is less
See Disclosures, Terms and Conditions
Home Loan Rates as low as
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 75% Loan to Value (LTV), $75,000.00 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. Credit Card Rates as low as
Personal Loan Rates as low as
Line of Credit Loan Rates as low as
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.
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.
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.
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.
5. APR=Annual Percentage Rate. Rate subject to credit approval. Loan payment example: $5,000 at 11.25% for 60 months=$109.34 per month. Personal loans are cross-collateralized. Personal Loan origination fee is $60. Terms up to 60 months. Other rates and terms available. See credit union for details.
11. APR = Annual Percentage Rate. With approved credit. Rates and terms are based on creditworthiness. Payment example: $10,000 borrowed at 8.00% APR for 60 months = $202.76 per month; your actual payment may differ based on your qualifying rate, amount borrowed and loan term. Advantage Personal Loan origination fee is 2.21% of loan amount, not to exceed $300. These loans will be cross-collateralized.
See Disclosures, Terms and Conditions
Fee Schedule
Rates are subject to change without notice.
Federally insured by NCUA.