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Rates

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  • Business Deposits
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    Limited-Time Certificate and IRA Special1 - Click HERE to Open Yours Today!

    Account TypeAnnual Percentage YieldDividendMin. Balance
    LIMITED TIME SPECIAL!  17-month term1.75%1.74%$1,000 2
    APY = Annual Percentage Yield. Certificate rate are accurate as of June 3, 2018. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts. 17-month certificate special offer ends July 28, 2018.  (1) Federal law may require substantial penalty for withdrawal from an IRA. (2) Special requires a minimum deposit of $1,000 from funds not currently on deposit at Truliant. You may add to your certificate through systematic payroll deduction or transfer.

     

    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
    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 term1.10%1.09%$250.00
    12 month term1.15%1.14%$5,000.00
    12 month term1.20%1.19%$25,000.00
    12 month term1.25%1.24%$100,000.00
    14 month term30.76%0.757%$250.00
    14 month term30.81%0.807%$5,000.00
    14 month term30.86%0.857%$25,000.00
    14 month term30.91%0.907%$100,000.00
    18 month term1.20%1.19%$250.00
    18 month term1.25%1.24%$5000.00
    18 month term1.30%1.29%$25,000.00
    18 month term1.35%1.34%$100,000.00
    24 month term1.40%1.39%$250.00
    24 month term1.45%1.44%$5,000.00
    24 month term1.50%1.49%$25,000.00
    24 month term1.55%1.54%$100,000.00
    24 month Flex (with 1x rate increase option)41.30%1.29%$250.00
    24 month Flex (with 1x rate increase option)41.35%1.34%$5,000.00
    24 month Flex (with 1x rate increase option)41.40%1.39%$25,000.00
    24 month Flex (with 1x rate increase option)41.45%1.44%$100,000.00
    36 month term1.50%1.489%$250.00
    36 month term1.55%1.538%$5,000.00
    36 month term1.60%1.587%$25,000.00
    36 month term1.70%1.686%$100,000.00
    48 month term1.60%1.587%$250.00
    48 month term1.65%1.637%$5,000.00
    48 month term1.70%1.686%$25,000.00
    48 month term1.80%1.784%$100,000.00
    60 month term2.21%2.19%$250.00
    60 month term2.26%2.23%$5,000.00
    60 month term2.30%2.27%$25,000.00
    60 month term2.35%2.32%$100,000.00
    Dollar Dog1.40%1.39%$100.00
    Dollar Dog1.45%1.44%$5,000.00
    Dollar Dog1.50%1.49%$25,000.00
    Dollar Dog1.55%1.54%$100,000.00
    (1) Certificate rates are accurate as of April 18, 2018. 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
    Premier Money Market20.05%0.05%$0.00
    Premier Money Market20.10%0.10%$1,000.00
    Premier Money Market20.15%0.15%$10,000.00
    Premier Money Market20.20%0.20%$25,000.00
    Premier Money Market20.25%0.25%$100,000.00
    Performance Plus Money Market20.05%0.05%$0.00
    Performance Plus Money Market20.15%0.15%$2,500.00
    Performance Plus Money Market20.20%0.20%$10,000.00
    Performance Plus Money Market20.25%0.25%$25,000.00
    Performance Plus Money Market20.30%0.30%$100,000.00
    Performance Plus IRA Money Market20.05%0.05%$0.00
    Performance Plus IRA Money Market20.15%0.15%$2,500.00
    Performance Plus IRA Money Market20.20%0.20%$10,000.00
    Performance Plus IRA Money Market20.25%0.25%$25,000.00
    Performance Plus IRA Money Market20.30%0.30%$100,000.00
    Select Money Market0.05%0.05%$0.00
    Select Money Market0.25%0.25%$5,000.00
    FEATURED:   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%$5,000.00
    Select IRA Money Market0.30%0.30%$25,000.00
    Select IRA Money Market0.35%0.35%$100,000.00
    Investor's Money Market30.05%0.05%$0.00
    Investor's Money Market30.25%0.25%$10,000.00
    Investor's Money Market30.30%0.30%$25,000.00
    Investor's Money Market30.35%0.35%$50,000.00
    Investor's Money Market30.40%0.40%$100,000.00
    (1) Money Market rates are accurate as of April 18, 2018. 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) Premier, Performance Plus and Performance Plus IRA Money Market accounts are no longer available. Members who currently have Premier, Performance Plus and Performance Plus IRA Money Market account types can continue to keep these accounts open. Truliant will continue to service all existing accounts. (3) 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
    Basic 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 2.74% APR!1

    Model Year ▲TermAPR2ApplyNow
    2017-Newerup to 36 Mos.Rates from 2.74% - 9.45%Apply Now
    2017-Newer37-48 Mos.Rates from 2.74% - 9.45%Apply Now
    2017-Newer49-60 Mos.Rates from 2.74% - 9.45%Apply Now
    2017-Newer61-66 Mos.Rates from 2.74% - 9.60%Apply Now
    2017-Newer67-72 Mos.Rates from 2.99% - 6.90%Apply Now
    2017-Newer73-84 Mos.Rates from 3.49% - 5.24%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 for automatic loan payment from a Truliant account, purchasing both mechanical service agreement and guaranteed asset protection (GAP) insurance, purchasing the vehicle through Credit Union Auto Buying Service (CUABS), and loans with a loan to value under 90%. Total maximum rate discount is 0.50%. All auto loan rates, including promotional rates and discounts, are subject to a 2.74% minimum APR for new autos, 2.89% minimum APR for 2011-2016, and 4.39% minimum for 2008-2010 model years.

    Used Auto Loan Rates Starting at 2.89% APR!1

    Model Year ▲TermAPR2ApplyNow
    2008-2010up to 36 Mos.Rates from 4.39% - 11.65%Apply Now
    2008-201037-48 Mos.Rates from 4.39% - 11.65%Apply Now
    2008-201049-60 Mos.Rates from 4.39% - 11.465%Apply Now
    2011-2016up to 36 Mos.Rates from 3.14% - 10.65%Apply Now
    2011-201637-48 Mos.Rates from 2.89% - 10.40%Apply Now
    2011-201649-60 Mos.Rates from 2.89% - 10.40%Apply Now
    2011-201661-66 Mos.Rates from 3.19% - 10.65%Apply Now
    2011-201667-72 Mos.Rates from 3.59% - 7.70%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 for automatic loan payment from a Truliant account, purchasing both mechanical service agreement and guaranteed asset protection (GAP) insurance, purchasing the vehicle through Credit Union Auto Buying Service (CUABS), and loans with a loan to value under 90%. Total maximum rate discount is 0.50%. All auto loan rates, including promotional rates and discounts, are subject to a 2.74% minimum APR for new autos, 2.89% minimum APR for 2011-2016, and 4.39% minimum for 2008-2010 model years.

    Home Equity Lines of Credit & Loans1

    Account Type ▲AmountAPR2ApplyNow
    Home Equity Line of Credit3$10,000-$350,000Variable rates as low as 4.75%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 4.75%. 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
    Business VISA Credit Card10.65%4variable rate (prime + 5.9%)Apply Now
    Personal Convenience (Debt Consolidation) Loan8.50%-13.75%3Loan amounts of $500-$35,000. Terms between 12 and 60 months. Fixed rate.Apply Now
    Preferred Line of Credit / Overdraft Protection9.75%-15.00%3variable rate with minimum rate of 9.75%. 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 Credit Card9.40%4variable rate (prime+4.9%)Apply Now
    VISA Credit Card14.90%5fixed rateApply Now
    VISA Platinum9.90%5$5,000 min. credit limit - fixed rateApply 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. (5) VISA fixed rate adjusted daily based on The Wall Street Journal prime rate posted on the preceding business day.

    Motorcycle, RV & Boat Loans1

    Account Type ▲TermAPR2ApplyNow
    Boat: New/Used up to 60 Mos.Rates from 5.50% to 7.85%Apply Now
    Boat: New/Used 61-72 Mos.Rates from 5.95% to 8.35%Apply Now
    Boat: New/Used 73-84 Mos.Rates from 6.50% to 7.75%Apply Now
    Boat: New/Used greater than 84 Mos.Rates from 7.50% to 9.30%Apply Now
    Motorcycle & RV: New/Usedup to 60 Mos.Rates from 5.50% to 7.85%Apply Now
    Motorcycle & RV: New/Used61-72 Mos.Rates from 5.95% to 8.35%Apply Now
    Motorcycle & RV: New/Used73-84 Mos.Rates from 6.50% to 7.75%Apply Now
    RV: New/Usedgreater than 84 Mos.Rates from 7.50% to 9.30%Apply Now
    (1) Boat loans include motor, trailer & accessories. Motorcycle and RV rates are the same. 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. Rates shown include a 0.25% rate discount for automatic loan payment from a Truliant account.
  • 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 term1.10%1.09%$250.00
    12 month term1.15%1.14%$5,000.00
    12 month term1.20%1.19%$25,000.00
    12 month term1.25%1.24%$100,000.00
    24 month term1.40%1.39%$250.00
    24 month term1.45%1.44%$5,000.00
    24 month term1.50%1.49%$25,000.00
    24 month term1.55%1.54%$100,000.00
    36 month term1.50%1.489%$250.00
    36 month term1.55%1.538%$5,000.00
    36 month term1.60%1.587%$25,000.00
    36 month term1.70%1.686%$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.