SYSTEM MAINTENANCE: Due to system maintenance Digital Banking will be unavailable beginning Saturday, November 9th at 11:00pm ET until Sunday, November 10th at 1:00am ET.
Holiday Observance:
In observance of Veterans Day, we will be closed Monday, November 11, 2019.  During this time, you may still complete transactions within Online Banking or the Mobile Application.  You can also Apply for a Loan or Become a Member.
Photo of a financial chart with up and down rates

Rates

  • Deposits
  • Loans and Credit Cards
  • Business Deposits
  • Limited-Time Featured Certificate Specials

    Account TypeAnnual Percentage YieldDividendMin. Balance
    15 month FLEX Certificate1 (with 1x rate increase option)22.10%2.078%$1,000.00
    42 month FLEX Certificate1 (with 1x rate increase option)22.050%2.029%$1,000.00
    17 month FLEX Certificate1 (with 1x rate increase option)21.850%1.833%$1,000.00
    6 month Certificate31.01%1.01%$250.00
    Limited time offers. Penalty for early withdrawal. Featured specials require a minimum deposit from funds not currently on deposit at Truliant. (1) 15-, 42- and 17-month featured specials require a $1,000.00 minimum. (2) You may increase your dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate. (3) 6-month featured special requires a $250.00 minimum.

    Regular & IRA Certificates1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    3 month term20.30%0.30%$250.00
    3 month term20.30%0.30%$5,000.00
    3 month term20.35%0.35%$25,000.00
    3 month term20.40%0.40%$100,000.00
    12 month term1.50%1.49%$250.00
    12 month term1.55%1.54%$5,000.00
    12 month term1.60%1.59%$25,000.00
    12 month term1.65%1.64%$100,000.00
    14 month term31.45%1.44%$250.00
    14 month term31.50%1.49%$5,000.00
    14 month term31.55%1.54%$25,000.00
    14 month term31.60%1.59%$100,000.00
    18 month term1.60%1.59%$250.00
    18 month term1.65%1.64%$5000.00
    18 month term1.70%1.69%$25,000.00
    18 month term1.76%1.74%$100,000.00
    24 month term1.65%1.64%$250.00
    24 month term1.70%1.69%$5.000.00
    24 month term1.76%1.74%$25,000.00
    24 month term1.81%1.79%$100,000.00
    24 month Flex (with 1x rate increase option)41.55%1.54%$250.00
    24 month Flex (with 1x rate increase option)41.60%1.59%$5,000.00
    24 month Flex (with 1x rate increase option)41.65%1.64%$25,000.00
    24 month Flex (with 1x rate increase option)41.70%1.69%$100,000.00
    36 month term1.70%1.69%$250.00
    36 month term1.75%1.73%$5,000.00
    36 month term1.80%1.78%$25,000.00
    36 month term1.85%1.83%$100,000.00
    48 month term1.90%1.88%$250.00
    48 month term1.95%1.93%$5,000.00
    48 month term2.00%1.98%$25,000.00
    48 month term2.05%2.03%$100,000.00
    60 month term2.30%2.27%$250.00
    60 month term2.35%2.32%$1,000.00
    60 month term2.40%2.37%$25,000.00
    60 month term2.45%2.42%$100,000.00
    (1) Certificate rates are accurate as of September 11, 2019. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts. A penalty may be imposed for early withdrawal. (2) Not available for IRA certificates. (3) Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days). (4) You may increase your dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate.

    Money Market Accounts1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Select Money Market0.05%0.05%$0.00
    Select Money Market0.25%0.25%$1,000.00
    Select Money Market0.30%0.30%$25,000.00
    Select Money Market0.35%0.35%$100,000.00
    Select IRA Money Market0.05%0.05%$0.00
    Select IRA Money Market0.25%0.25%$1,000.00
    Select IRA Money Market0.30%0.30%$25,000.00
    Select IRA Money Market0.35%0.35%$100,000.00
    Investor's Money Market20.05%0.05%$0.00
    Investor's Money Market20.25%0.25%$10,000.00
    Investor's Money Market20.30%0.30%$25,000.00
    Investor's Money Market20.35%0.35%$50,000.00
    Investor's Money Market20.40%0.40%$100,000.00
    FEATURED: Select Plus Money Market1.15%1.14%$100,000.00
    Select Plus Money Market0.30%0.30%$0.00
    (1) Money Market rates are accurate as of September 11, 2019. Money Market rates are subject to change weekly. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts. (2) The Investor's Money Market account is only available to members who have a relationship with Truliant Financial Advisors, which is affiliated with the Credit Union.

    Checking & Savings Accounts1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Regular Savings0.15%0.15%$0.00
    Regular Savings0.15%0.15%$1,000.00
    Regular Savings0.15%0.15%$10,000.00
    Regular Savings0.20%0.20%$25,000.00
    Regular Savings0.30%0.30%$100,000.00
    IRA Savings0.15%0.15%$0.00
    IRA Savings0.15%0.15%$1,000.00
    IRA Savings0.15%0.15%$10,000.00
    IRA Savings0.20%0.20%$25,000.00
    IRA Savings0.30%0.30%$100,000.00
    Rainy Day Account0.25%0.25%$0.00
    Save Your Way Account0.25%0.25%$0.00
    Christmas Club0.05%0.05%$0.00
    Vacation Club0.05%0.05%$0.00
    Truly Free Checking0.05%0.05%$0.00
    Advantage Checking0.05%0.05%$2,500.00
    Senior Advantage Checking0.05%0.05%$0.00
    Health Savings Account0.05%0.05%$0.00
    Health Savings Account0.15%0.15%$1,000.00
    Health Savings Account0.20%0.20%$10,000.00
    Health Savings Account0.25%0.25%$25,000.00
    Health Savings Account0.30%0.30%$100,000.00
    (1) Savings and Checking rates are accurate as of April 18, 2018. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts.
  • New Auto Loan Rates As Low As 3.49% APR!1

    Model Year ▲TermAPR2ApplyNow
    2018-Newerup to 60 Mos.Rates from 3.49% - 8.95%Apply Now
    2018-Newer61-66 Mos.Rates from 3.74% - 9.20%Apply Now
    2018-Newer67-72 Mos.Rates from 3.99% - 6.40%Apply Now
    2018-Newer73-84 Mos.Rates from 4.49% - 6.19%Apply Now
    2018-Newer85-96 Mos.Rates from 5.49% - 5.74%Apply Now

    (1) Loans are subject to credit approval. Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discounts are available when purchasing the vehicle through the Credit Union Auto Buying Service (CUABS), and for loans with a loan to value under 80%. Total maximum rate discount is 0.50%. All auto loan rates, including promotional rates and discounts are subject to a 3.49% minimum APR for new autos, 3.89% minimum APR for 2012-2017, and 5.39% minimum for 2009-2011 model years.

    Used Auto Loan Rates Starting at 3.89% APR!1

    Model Year ▲TermAPR2ApplyNow
    2009-2011up to 60 Mos.Rates from 5.39% - 11.90%Apply Now
    2012-2017up to 60 Mos.Rates from 3.89% - 9.90%Apply Now
    2012-201761-66 Mos.Rates from 4.19% - 10.40%Apply Now
    2012-201767-72 Mos.Rates from 4.59% - 7.20%Apply Now
    2012-201773-84 Mos.Rates from 5.34% - 5.70%Apply Now

    (1) Loans are subject to credit approval. Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discounts are available when purchasing the vehicle through the Credit Union Auto Buying Service (CUABS), and loans with a loan to value under 80%. Total maximum rate discount is 0.50%. All used auto loan rates including promotional rates and discounts are subject to a 3.89% APR minimum for 2012-2017 models, and 5.39% minimum for 2009-2011 models.

    Home Equity Lines of Credit & Loans1

    Account Type ▲AmountAPR2ApplyNow
    Home Equity Line of Credit3$10,000-$350,000Variable rates as low as 4.50%Apply Now
    Home Equity Loan4$10,000-$350,000Fixed rates starting from 4.15%Apply Now
    (1) All loans are subject to credit approval. Home equity products available in NC, SC, TN, VA, FL, GA & OH only. Consult your tax advisor on the deductibility of interest. (2) Advertised Annual Percentage Rate (APR) may change without notice. (3) APR is based on The Wall Street Journal Prime Rate and will vary based on your credit history, but will not go below the floor rate of 4.25%. 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. Maximum APR is 18%. (4) Rates are based on your credit history, term, loan to home value, type of loan and lien position.

    Mortgage Loans

    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.

    Credit Cards & Lines of Credit

    Account Type ▲APR2CommentsApplyNow
    Debt180  Debt Consolidation Loan8.50%-13.75%3Loan amounts of $500-$35,000. Terms between 12 and 60 months. Fixed rateApply Now
    Personal Convenience Loan8.50%-13.75%3Loan amounts of $500-$35,000. Terms between 12 and 60 months. Fixed rateApply Now
    Preferred Line of Credit / Overdraft Protection9.50%-14.50%3Variable rate with minimum rate of 9.50%. Rate based on amount of loanApply Now
    Savings-Secured Line of Credit0.30% plus 3%Variable rate (highest tiered rate on the regular share account)Apply Now
    VISA Business Credit Card10.90%4Variable rate (prime + 5.9%)Apply Now
    VISA Classic Credit Card9.90%4Variable rate (prime+4.9%). Credit limits between $500 and $30,000Apply Now
    VISA Platinum Rewards13.24%4Variable rate (prime +8.24%). Credit limits between $500 and $30,000Apply Now
    (1) Subject to credit approval. (2) Advertised Annual Percentage Rate (APR) may change without notice. (3) Rates include a 0.25% discount for setting up payments through auto draft payments from a Truliant account. (4) VISA variable rate adjusted quarterly based on The Wall Street Journal prime rate posted on the preceding 25th of the month.

    Motorcycle, RVs, Boats and Classic Cars1

    Account Type ▲TermAPR2ApplyNow
    Motorcycle/RV/Boats/Classic Cars: New/Usedup to 60 Mos.Rates from 6.75% to 9.10%Apply Now
    Motorcycle/RV/Boats/Classic Cars: New/Used61-72 Mos.Rates from 7.20% to 9.60%Apply Now
    Motorcycle/RV/Boats/Classic Cars: New/Used73-84 Mos.Rates from 7.75% to 9.00%Apply Now
    RV/Boats: New/Used145-180 Mos.Rates from 9.20% to 10.55%Apply Now
    RV/Boats: New/Used84-144 Mos.Rates from 8.75% to 10.00%Apply Now
    (1) Boat loans include motor, trailer & accessories. Classic Cars are based on NADA classifiations. All loans are subject to credit approval. (2) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
  • Business Checking & Savings Accounts1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Business Savings0.15%0.15%$5.00
    Business Savings0.15%0.15%$1,000
    Business Savings0.15%0.15%$10,000.00
    Business Savings0.20%0.20%$25,000.00
    Business Savings0.30%0.30%$100,000.00
    Business Checking0.05%0.05%$0.00
    Business Checking0.10%0.10%$25,000.00
    Business Checking0.15%0.15%$100,000.00
    Basic Business Checking0.05%0.05%$0.00
    (1) Savings rates are accurate as of May 6, 2015. Savings rates are subject to change monthly as determined by the Board of Directors of the Credit Union.

    Business Money Market & Certificates1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Business Money Market0.30%0.30%$25,000.00
    Business Money Market0.25%0.25%$2,500.00
    Business Money Market0.35%0.35%$100,000.00
    Business Money Market0.45%0.45%$250,000.00
    Business Money Market0.50%0.50%$500,000.00
    Business Money Market0.55%0.55%$1,000,000.00
    3 month term0.30%0.30%$250.00
    3 month term0.30%0.30%$5,000.00
    3 month term0.35%0.35%$25,000.00
    3 month term0.40%0.40%$100,000.00
    6 month term0.35%0.35%$250.00
    6 month term0.35%0.35%$5,000.00
    6 month term0.40%0.40%$25,000.00
    6 month term0.45%0.45%$100,000.00
    12 month term1.50%1.49%$250.00
    12 month term1.55%1.54%$5,000.00
    12 month term1.60%1.59%$25,000.00
    12 month term1.65%1.64%$100,000.00
    24 month term1.65%1.64%$250.00
    24 month term1.70%1.69%$5,000.00
    24 month term1.76%1.74%$25,000.00
    24 month term1.81%1.79%$100,000.00
    36 month term1.70%1.69%$250.00
    36 month term1.75%1.73%$5,000.00
    36 month term1.80%1.78%$25,000.00
    36 month term1.85%1.83%$100,000.00

    Money Market rates are subject to change weekly. All Certificate rates are fixed and will not be paid until maturity.
    (1) Certificate rates and Money Market rates are accurate as of January 10, 2018. A penalty may be imposed for early withdrawal.