ALL LOCATIONS CLOSED: Due to inclement weather, all Truliant locations will be closed on Saturday, Sept. 15, 2018. Access your accounts and more with Truliant’s Tru2Go ATMs, and online and mobile banking tools.
System Maintenance:
Due to scheduled maintenance on Sunday, September 9, 2018 between 6:00am and 2:00pm ET, Truliant's Easy Deposit check deposit feature will be intermittently unavailable.  If you encounter an error, please logout and login again.  Extended maintenance for Online Banking, Tru2Go Mobile and Tablet Applications on Sunday, September 9,2018 beginning at 12:00am - 5:00am ET.
Photo of a financial chart with up and down rates

Rates

  • Deposits
  • Loans and Credit Cards
  • Business Deposits
  • Limited-Time 24-Month Flex Certificate - Click HERE to Open Yours Today!

    Account TypeAnnual Percentage YieldDividendMin. Balance
    LIMITED TIME SPECIAL!  24-Month Flex Certificate2.25%2.23%$250
    Federally insured by NCUA. Limited-time offer. $250 minimum balance required. Penalty for early withdrawal. One-time rate increase option will match certificate's current advertised rate up to 1%. Federal law may require a substantial tax penalty for withdrawal from an IRA. 

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    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
    FEATURED: 24 month Flex (with 1x rate increase option)42.25%2.23%$250.00
    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 Dog* 24-month flex1.40%1.39%$100.00
    Dollar Dog* 24-month flex1.45%1.44%$5,000.00
    Dollar Dog* 24-month flex1.50%1.49%$25,000.00
    Dollar Dog* 24-month flex1.55%1.54%$100,000.00
    * Dollar Dog is an ideal way to teach kids to save, but is available for all ages. This special 24-month CD allows over-the-counter deposits of $5 or more whenever you - or they - have extra money to save!

    (1) Certificate rates are accurate as of July 25, 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
    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 7, 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) 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 3.24% APR!1

    Model Year ▲TermAPR2ApplyNow
    2017-Newerup to 60 Mos.Rates from 3.24% - 9.45%Apply Now
    2017-Newer61-66 Mos.Rates from 3.24% - 9.70%Apply Now
    2017-Newer67-72 Mos.Rates from 3.49% - 6.90%Apply Now
    2017-Newer73-84 Mos.Rates from 3.99% - 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 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 3.24% minimum APR for new autos,3.39% minimum APR for 2011-2016, and 4.89% minimum for 2008-2010 model years.

    Used Auto Loan Rates Starting at 3.39% APR!1

    Model Year ▲TermAPR2ApplyNow
    2008-2010up to 60 Mos.Rates from 4.89% - 11.65%Apply Now
    2011-2016up to 60 Mos.Rates from 3.39% - 10.40%Apply Now
    2011-201661-66 Mos.Rates from 3.69% - 10.90%Apply Now
    2011-201667-72 Mos.Rates from 4.09% - 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 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 3.39% APR minimum for 2011-2016 models, and 4.89% minimum for 2008-2010 models.

    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
    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 Protection9.75%-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 Business Credit Card10.65%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 5.75% to 8.10%Apply Now
    Motorcycle/RV/Boats/Classic Cars: New/Used61-72 Mos.Rates from 6.20% to 8.60%Apply Now
    Motorcycle/RV/Boats/Classic Cars: New/Used73-84 Mos.Rates from 6.75% to 8.00%Apply Now
    RV/Boats: New/Used145-180 Mos.Rates from 8.20% to 9.55%Apply Now
    RV/Boats: New/Used84-144 Mos.Rates from 7.75% to 9.00%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 term1.10%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.