IMPORTANT UPDATES: For questions about the IRS Economic Impact Stimulus Payment program, please visit the IRS website.

Due to the SBA's recent communication, PPP applications for businesses have been halted. More info.
SYSTEM MAINTENANCE NOTICE: Our Digital Banking will undergo system maintenance from 10:30pm EST Saturday, July 11th - 4:30am Sunday, July 12th. You may experience intermittent availability during this time
 
Photo of a financial chart with up and down rates

Rates

  • Deposits
  • Loans and Credit Cards
  • Business Deposits
  • Regular & IRA Certificates1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    3 month term20.05%0.05%$250.00
    3 month term20.10%0.10%$5,000.00
    3 month term20.15%0.15%$25,000.00
    3 month term20.20%0.20%$100,000.00
    6 month term0.20%0.20%$250.00
    6 month term0.25%0.25%$5,000.00
    6 month term0.30%0.30%$25,000.00
    6 month term0.35%0.35%$100,000.00
    12 month term0.60%0.60%$250.00
    12 month term0.65%0.65%$5,000.00
    12 month term0.70%0.70%$25,000.00
    12 month term0.76%0.75%$100,000.00
    14 month term30.55%0.55%$250.00
    14 month term30.60%0.60%$5,000.00
    14 month term30.65%0.65%$25,000.00
    14 month term30.70%0.70%$100,000.00
    18 month term0.60%0.60%$250.00
    18 month term0.65%0.65%$5,000.00
    18 month term0.70%0.70%$25,000.00
    18 month term0.75%0.75%$100,000.00
    24 month term0.65%0.65%$250.00
    24 month term0.70%0.70%$5.000.00
    24 month term0.75%0.75%$25,000.00
    24 month term0.81%0.80%$100,000.00
    24 month Flex (with 1x rate increase option)40.55%0.55%$250.00
    24 month Flex (with 1x rate increase option)40.60%0.60%$5,000.00
    24 month Flex (with 1x rate increase option)40.65%0.65%$25,000.00
    24 month Flex (with 1x rate increase option)40.70%0.70%$100,000.00
    36 month term0.70%0.70%$250.00
    36 month term0.75%0.75%$5,000.00
    36 month term0.81%0.80%$25,000.00
    36 month term0.86%0.85%$100,000.00
    48 month term0.75%0.75%$250.00
    48 month term0.81%0.80%$5,000.00
    48 month term0.86%0.85%$25,000.00
    48 month term0.91%0.90%$100,000.00
    60 month term0.96%0.95%$250.00
    60 month term1.01%1.00%$5,000.00
    60 month term1.06%1.05%$25,000.00
    60 month term1.11%1.10%$100,000.00
    (1) Certificate rates are accurate as of July 1, 2020. 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 Market0.20%0.20%$1,000.00
    Select Money Market0.25%0.25%$25,000.00
    Select Money Market0.30%0.30%$100,000.00
    Select IRA Money Market0.05%0.05%$0.00
    Select IRA Money Market0.20%0.20%$1,000.00
    Select IRA Money Market0.25%0.25%$25,000.00
    Select IRA Money Market0.30%0.30%$100,000.00
    Investor's Money Market20.05%0.05%$0.00
    Investor's Money Market20.15%0.15%$10,000.00
    Investor's Money Market20.20%0.20%$25,000.00
    Investor's Money Market20.25%0.25%$50,000.00
    Investor's Money Market20.30%0.30%$100,000.00
    Select Plus Money Market0.45%0.45%$100,000.00
    Select Plus Money Market0.15%0.15%$0.00
    (1) Money Market rates are accurate as of July 1, 2020. 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 Savings0.15%0.15%$25,000.00
    Regular Savings0.15%0.15%$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 Savings0.15%0.15%$25,000.00
    IRA Savings0.15%0.15%$100,000.00
    Rainy Day Account0.25%0.15%$0.00
    Save Your Way Account0.25%0.15%$0.00
    Christmas Club0.15%0.15%$0.00
    Vacation Club0.15%0.15%$0.00
    Advantage Checking0.05%0.05%$2,500.00
    Senior Advantage Checking0.05%0.05%$0.00
    Health Savings Account0.05%0.10%$0.00
    Health Savings Account0.15%0.10%$1,000.00
    Health Savings Account0.20%0.10%$10,000.00
    Health Savings Account0.25%0.10%$25,000.00
    Health Savings Account0.30%0.10%$100,000.00
  • New Auto Loan Rates As Low As 3.24% APR!1

    Model Year ▲TermAPR2ApplyNow
    2019-Newer36-63 Mos.Rates from 3.24% - 8.99%Apply Now!
    2019-Newer64-72 Mos.Rates from 3.74% - 9.49%Apply Now!
    2019-Newer73-84 Mos.Rates from 4.24% - 5.49%Apply Now!
    2019-Newer85-96 Mos.Rates from 5.24% - 5.49%Apply Now!
    (1) Loans are subject to credit approval. (2) 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 ratio under 80%. Total maximum rate discount is 0.50%. All auto loan rates, including promotional rates and discounts are subject to a 2.99% minimum APR for new autos.

    Used Auto Loan Rates Starting at 3.74% APR!1

    Model Year ▲TermAPR2ApplyNow
    2010-201236-63 Mos.Rates from 5.24% - 12.49%Apply Now!
    2013-201836-63 Mos.Rates from 3.74% - 10.99%Apply Now!
    2013-201864-72 Mos.Rates from 4.24% - 11.49%Apply Now!
    2013-201873-84 Mos.Rates from 4.99% - 5.24%Apply Now!
    (1) Loans are subject to credit approval. (2) 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 ratio under 80%. Total maximum rate discount is 0.50%. All used auto loan rates including promotional rates and discounts are subject to a 3.74% APR minimum for 2013-2018 models, and 5.24% minimum for 2010-2012 models.

    Home Equity Lines of Credit & Loans1

    Account Type ▲AmountAPR2ApplyNow
    Home Equity Line of Credit3$10,000-$350,000Variable rates as low as 3.25%Apply Now!
    Home Equity Loan - First Lien4 $25,000-$350,000Fixed rates as low as 3.49%Apply Now!
    Home Equity Loan - Second Lien5$10,000-$350,000Fixed rates as low as 3.99%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 3.25%. 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) Fixed rate may vary based on your credit history, term, and loan to home value. 3.49% APR minimum good on first lien position only. Loan range: $25,000 to $350,000. Terms to 180 months. (5) Fixed rate may vary based on your credit history, term, and loan to home value. 3.99% minimum good on second lien position. Loan range: $10,000 to $350.000. Terms to 240 months. Contact us for additional details.

    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 Loan8.49%-14.74%Loan amounts of $500-$35,000. Terms between 6 and 72 months. Fixed rate.Apply Now!
    Personal Convenience Loan8.49%-14.74%Loan amounts of $500-$35,000. Terms between 6 and 72 months. Fixed rate.Apply Now!
    Preferred Line of Credit / Overdraft Protection8.24%-16.24%Variable rate with minimum rate of 8.24%.Apply Now!
    Savings-Secured Line of Credit0.15% plus 3%Variable rate (highest tiered rate on the regular share account)Apply Now!
    VISA Business Credit Card9.15%3Variable rate (prime + 5.9%)Apply Now!
    VISA Classic Credit Card8.15%3Variable rate (prime+4.9%). Credit limits between $500 and $30,000Apply Now!
    VISA Platinum Rewards11.49%3Variable 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) 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
    Long-Term RV/Boats: New/Used145-180 Mos.Rates from 8.99% to 11.49%Apply Now!
    Long-Term RV/Boats: New/Used85-144 Mos.Rates from 8.49% to 10.99%Apply Now!
    Motorcycle/RV/Boats/Classic Cars: New/Used12-60 Mos.Rates from 6.49% to 11.49%Apply Now!
    Motorcycle/RV/Boats/Classic Cars: New/Used61-72 Mos.Rates from 6.99% to 11.99%Apply Now!
    Motorcycle/RV/Boats/Classic Cars: New/Used73-84 Mos.Rates from 7.49% to 9.99%Apply Now!
    (1) Boat loans include motor, trailer & accessories. Classic Cars are based on NADA classifications. 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%$0.00
    Business Savings0.15%0.15%$1,000
    Business Savings0.15%0.15%$10,000.00
    Business Savings0.15%0.15%$25,000.00
    Business Savings0.15%0.15%$100,000.00
    Business Checking0.05%0.05%$0.00
    Business Checking0.05%0.05%$25,000.00
    Business Checking0.10%0.10%$100,000.00
    (1) Savings rates are accurate as of February 28, 2020. 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 Market0.10%0.10%$2,500.00
    Business Money Market0.15%0.15%$25,000.00
    Business Money Market0.20%0.20%$100,000.00
    Business Money Market0.30%0.30%$250,000.00
    Business Money Market0.35%0.35%$500,000.00
    Business Money Market0.40%0.40%$1,000,000.00
    3 month term0.05%0.05%$250.00
    3 month term0.10%0.10%$5,000.00
    3 month term0.15%0.15%$25,000.00
    3 month term0.20%0.20%$100,000.00
    6 month term0.20%0.20%$250.00
    6 month term0.25%0.25%$5,000.00
    6 month term0.30%0.30%$25,000.00
    6 month term0.35%0.35%$100,000.00
    12 month term0.60%0.60%$250.00
    12 month term0.65%0.65%$5,000.00
    12 month term0.70%0.70%$25,000.00
    12 month term0.76%0.75%$100,000.00
    24 month term0.65%0.65%$250.00
    24 month term0.70%0.70%$5,000.00
    24 month term0.75%0.75%$25,000.00
    24 month term0.81%0.80%$100,000.00
    36 month term0.70%0.70%$250.00
    36 month term0.75%0.75%$5,000.00
    36 month term0.81%0.80%$25,000.00
    36 month term0.86%0.85%$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 July 1, 2020. A penalty may be imposed for early withdrawal.

(1) Savings and Checking rates are accurate as of July 1, 2020. 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.