Truity Credit Union

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Loan Details and Disclosures

Rates effective as of  05/01/2020

Auto Loans

Closed-end Loans: Rates As Low As APR2 Term
Autos 2015-New 3.29% 60
Autos 2015-New 3.79% 72
Autos 2016-New 3.99% 84
Autos 2013-2014 4.09% 60
Autos 2013-2014 4.59% 72
Autos 2009-2012 4.69% 48
Autos 2009-2012 5.39% 60
Autos 2008 and Older 7.39% 48
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.

Personal Loans

Personal Loans: Rates As Low As APR5 Term
Personal5 11.25% Up to 60, 12 Months Per $1000
Advantage Personal11 8.00% 60 month, Min $5,000
Advantage Personal11 9.00% 72 month, Min $20,000
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.

Line of Credit Loan

Line of Credit Loan: Rates As Low As APR* Term
Line of Credit 11.25% Revolving
*APR = Annual Percentage Rate. With approved credit. Variable rates based on your creditworthiness and subject to change. Monthly payments are 3% of your credit limit or the balance, whichever is less. No origination fee.

Recreational Loans

Closed-end Loans: Rates As Low As APR4 Term
Other Secured New-2016 8.99 NADA/Retail 72
Other Secured 2015 & Older 10.19 NADA/Trade 60
Tractors/Mowers/Utility 10.19 NADA/Retail 60
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

MyMoney Loans

MyMoney Loans: Rates As Low As FIXED APR6 Variable APR6 Term
Share Secured NA 2% Over share rate Up to 60, 12 Months Per $1000
Share Certificate Secured 2% Over share rate NA Up to 60, 12 Months Per $1000
6. Secured Loan: Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share rate and is variable.
Share Certificate Secured Loan: Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share certificate rate.

Home Loans

Home Loans: Rates As Low As Rate APR1
Conventional 30 Year Fixed Rate 3.375% 3.436%
Conventional 15 Year Fixed Rate 2.875% 2.985%
Conventional 10 Year Fixed Rate 2.875% 3.035%
Conventional 5 Year Adjustable Rate - 30 Year Term 3.750% 3.242%
Conventional 3 Year Adjustable Rate - 30 Year Term 4.500% 3.300%
Conventional 1 Year Adjustable Rate - 30 Year Term 4.000% 3.033%
Relocation 30 Year Fixed Rate 3.375% 3.436%
Relocation 15 Year Fixed Rate 2.875% 2.985%
Relocation 10 Year Fixed Rate 2.875% 3.035%
Relocation 5 Year Adjustable Rate - 30 Year Term 3.750% 3.242%
Relocation 3 Year Adjustable Rate - 30 Year Term 4.500% 3.300%
Relocation 1 Year Adjustable Rate - 30 Year Term 4.000% 3.033%
Home One 30 Year Fixed 3.500% 3.562%

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.
Equal Housing LenderWe do business in accordance with the federal Fair Housing Law and the Equal Credit Opportunity Act.