Rates at Truliant Federal Credit Union

Auto Loans  calculators  apply now
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Account TypeModel YearTermAPR1
New Auto

2013-Newer

up to 36 Mos.

Rates from 1.74% - 10.075%

2013-Newer

37-48 Mos.

Rates from 1.74% - 10.075%

2013-Newer

49-60 Mos.

Rates from 1.74% - 10.075%

2013-Newer

61-66 Mos.

Rates from 1.74% - 10.325%

2013-Newer

67-72 Mos.

Rates from 1.99% - 6.565%

2013-Newer

73-84 Mos.

Rates from 2.49% - 3.24%
Used Auto

2007-2012

up to 36 Mos.

Rates from 2.14% - 11.625%

2007-2012

37-48 Mos.

Rates from 2.14% - 11.625%

2007-2012

49-60 Mos.

Rates from 2.14% - 11.625%

2007-2012

61-66 Mos.

Rates from 2.44% - 12.125%

2007-2012

67-72 Mos.

Rates from 2.84% - 7.565%

2004-2006

up to 36 Mos.

Rates from 3.64% - 9.9%

2004-2006

37-48 Mos.

Rates from 3.64% - 9.9%

2004-2006

49-60 Mos.

Rates from 3.64% - 9.9%

(1) Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term and loan-to-value. Rate includes 0.25% rate discount for automatic loan payment from a Truliant account. Additional discounts may apply, including a 0.25% rate discount when purchasing your vehicle through our Credit Union Auto Buying Service (CUABS). Additional discounts may apply for fuel efficient vehicles, for purchasing both VSA and GAP, and for loans with a loan-to-value under 90%. Total maximum discount is 0.50%. All auto loan rates, including promotional rates and discounts, are subject to a 1.74% minimum APR for new autos, 2.14% minimum APR for 2007-2012 autos and 3.64% minimum APR for 2004-2006 autos.


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RV & Boat Loans  calculators  apply now

Loan rates are based on credit history, profile, and loan terms.  Annual Percentage Rate (APR) may change without notice. Boat loans include motor, trailer & accessories. RV loans include motorcycles.

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Account TypeTermFixed APRMax. APR
New/Used RV

up to 60 Mos.

As low as 5.25%*7.60%*

61-72 Mos.

As low as 5.70%*8.10%*

73-84 Mos.

As low as 6.25%*7.25%*

greater than 84 Mos.

As low as 7.00%*9.05%*
New/Used Boat

up to 60 Mos.

As low as 5.25%*7.60%*

61-72 Mos.

As low as 5.70%*8.10%*

73-84 Mos.

As low as 6.25%*7.25%*

greater than 84 Mos.

As low as 7.00%*9.05%*

* Includes 1/4% rate discount for automatic loan payment option.


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Credit Cards & Lines of Credit  calculators  apply now
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Account TypeAPRComments
VISA Platinum9.90%

$5,000 min. credit limit - fixed rate

VISA Credit Card8.15%*

variable rate (prime+4.9%)

14.90%

fixed rate

Business VISA Credit Card9.15%*

variable rate (prime + 5.9%)

Preferred Line of Credit / Overdraft Protection6.5%-11.25%

variable rate with minimum rate of 6.5%.
Rate base on amount of loan

Savings-Secured Line of Credit3.30%

variable rate (highest tiered rate on the regular share account)

Personal Convenience Loan7.99%-8.99%

Loan amounts of $500-$15,000
Terms between 12 and 60 months

* VISA variable rate adjusted quarterly based on the Wall Street Journal prime posted on the proceeding 25th of the month.


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Home Equity Lines of Credit & Loans  calculators  apply now
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Account TypeAmountAPR1
Up to 85% Variable$10,000-$350,000Starting from prime minus 0.25%2
(2) APR is based on The Wall Street Journal Prime Rate and
will vary but will not go below the floor rate of 3.25%.
Up to 90% Fixed3$10,000-$350,000Starting from 4.00%

(1) Rates are based on your credit history and profile. The rate on home equity lines of credit tied to prime are adjusted the 1st day of the following month in which the prime rate change occurs and subject to maximum and minimum Annual Percentage Rates described in your loan documents. Consult your tax advisor on the deductibility of interest on home equity loans. Home equity products available in NC, SC, TN, VA, FL & OH only. (2) APR is based on The Wall Street Journal Prime Rate and will vary but will not go below the floor rate of 3.25%. (3) Rate varies based on term.


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Mortgage Loans  calculators  apply now

Rates subject to change daily for purchases and refinances.  For the most current rates, products, and closing costs, click here or call 800-822-0382, ext. 6398.

 


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Money Market Accounts  calculators  apply now
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Account TypeAnnual Percentage YieldDividendMin. Balance
Premier Money Market****0.05%0.05%$0.00
0.10%0.10%$1,000.00
0.15% 0.15%$10,000.00
0.20%0.20%$25,000.00
0.25%0.25%$100,000.00
Performance Plus Money Market*0.05%0.05%$0.00
0.15%0.15%$2,500.00
0.20%0.20%$10,000.00
0.25%0.25%$25,000.00
0.30%0.30%$100,000.00
Performance Plus IRA Money Market*0.05%0.05%$0.00
0.15%0.15%$2,500.00
0.20%0.20%$10,000.00
0.25%0.25%$25,000.00
0.30%0.30%$100,000.00
Select Money Market***0.05%0.05%$0.00
0.25%0.25%$5,000.00
0.30%0.30%$25,000.00
0.35%0.35%$100,000.00
Select IRA Money Market***0.05%0.05%$0.00
0.25%0.25%$5,000.00
0.30%0.30%$25,000.00
0.35%0.35%$100,000.00
Investor's Money Market**0.05%0.05%$0.00
0.25%0.25%$10,000.00
0.30%0.30%$25,000.00
0.35%0.35%$50,000.00
0.40%0.40%$100,000.00

* Monthly fee of $20 if balance falls below minimum balance requirement of $2,500
** This account is exclusively available to members who open and maintain a relationship with MEMBERS Financial Service     

*** Monthly fee of $25 if balance falls below minimum balance requirment of $5,000.
****Monthly fee of $10 if balance falls below minimum balance requirement of $1,000.
                                                  


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Regular & IRA Certificates  calculators  apply now
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Account TypeAnnual Percentage YieldDividendMin. Balance
3 month term*0.15%0.15%$250.00
0.15%0.15%$5,000.00
0.20%0.20%$25,000.00
0.25%0.25%$100,000.00
6 month term0.25%0.25%$250.00
0.25%0.25%$5,000.00
0.30%0.30%$25,000.00
0.35%0.35%$100,000.00
12 month term0.30%0.30%$250.00
0.30%0.30%$5,000.00
0.35%0.35%$25,000.00
0.40%0.40%$100,000.00
14 month term**0.20%0.20%$250.00
0.20%0.20%$5,000.00
0.25%0.25%$25,000.00
0.30%0.30%$100,000.00
18 month term0.40%0.40%$250.00
0.45%0.45%$5000.00
0.50%0.50%$25,000.00
0.55%0.55%$100,000.00
24 month term0.50%0.50%$250.00
0.55%0.55%$5,000.00
0.60%0.60%$25,000.00
0.70%0.70%$100,000.00
24 month Flex0.40%0.40%$250.00
0.45%0.45%$5,000.00
0.50%0.50%$25,000.00
0.60%0.60%$100,000.00
36 month term0.85%0.85%$250.00
0.90%0.90%$5,000.00
0.95%0.95%$25,000.00
1.05%1.04%$100,000.00
48 month term1.20%1.19%$250.00
1.25%1.24%$5,000.00
1.30%1.29%$25,000.00
1.40%1.39%$100,000.00
60 month term1.40%1.39%$250.00
1.45%1.44%$5,000.00
1.50%1.49%$25,000.00
1.60%1.59%$100,000.00
Dollar Dog0.50%0.50%$100.00
0.55%0.55%$5,000.00
0.60%0.60%$25,000.00
0.70%0.70%$100,000.00

A penalty will or may be imposed for early withdrawal. Ask about our special certificate rates.
* Not available for IRA Certificates.
** Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days).


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Checking & Savings Accounts  calculators  apply now
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Account TypeAnnual Percentage YieldDividendMin. Balance
Basic Checking0.05%0.05%$0.00
Health Savings Account0.05%0.05%$0.00
0.15%0.15%$1,000.00
0.20%0.20%$10,000.00
0.25%0.25%$25,000.00
0.30%0.30%$100,000.00
Advantage Checking0.05%0.05%$2,500.00
Senior Advantage Checking0.05%0.05%$0.00
Regular Savings0.15%0.15%$5.00
0.15%0.15%$1,000.00
0.15%0.15%$10,000.00
0.20%0.20%$25,000.00
0.30%0.30%$100,000.00
Save Your Way Account0.25%0.25%$0.00
Christmas Club0.05%0.05%$0.25
IRA Savings0.15%0.15%$0.00
0.15%0.15%$1,000.00
0.15%0.15%$10,000.00
0.20%0.20%$25,000.00
0.30%0.30%$100,000.00
Rainy Day Account0.25%0.25%$0.25

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Business Checking & Savings Accounts
Share these rates:            
Account TypeAnnual Percentage YieldDividendMin. Balance
Basic Business Checking0.05%0.05%$0.00
Business Checking0.05%0.05%$0.00
0.10%0.10%$25,000.00
0.15%0.15%$100,000.00
Business Savings0.15%0.15%$5.00
0.15%0.15%$1,000
0.15%0.15%$10,000.00
0.20%0.20%$25,000.00
0.30%0.30%$100,000.00

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Business Money Market & Certificates

Money Market rates are subject to change weekly.
All Certificate rates are fixed and will not be paid until maturity.

Share these rates:            
Account TypeAnnual Percentage YieldDividendMin. Balance
3 month term0.15%0.15%$250.00
0.15%0.15%$5,000.00
0.20%0.20%$25,000.00
0.25%0.25%$100,000.00
6 month term0.25%0.25%$250.00
0.25%0.25%$5,000.00
0.30%0.30%$25,000.00
0.35%0.35%$100,000.00
12 month term0.30%0.30%$250.00
0.30%0.30%$5,000.00
0.35%0.35%$25,000.00
0.40%0.40%$100,000.00
24 month term0.50%0.50%$250.00
0.55%0.55%$5,000.00
0.60%0.60%$25,000.00
0.70%0.70%$100,000.00
36 month term0.85%0.85%$250.00
0.90%0.90%$5,000.00
0.95%0.95%$25,000.00
1.05%1.04%$100,000.00
Business Money Market0.25%0.25%$2,500.00
0.30%0.30%$25,000.00
0.35%0.35%$100,000.00
0.45%0.45%$250,000.00
0.50%0.50%$500,000.00
0.55%0.55%$1,000,000.00

A penalty will or may be imposed for early withdrawal from a certificate.


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