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New Auto Loan Rates
| New Auto Loans | ||
|---|---|---|
| Model Year | Term of Loana | APRb |
| 2025 - Newer | ||
| 2025 - Newer | 36 - 63 Months | 5.14% - 16.74% |
| 64 - 75 Months | 5.54% - 17.24% | |
| 76 - 84 Months | 5.99% - 8.49% | |
| 85 - 96 Months | 6.99% - 8.24% | |
Used Auto Loan Rates
| Used Auto Loans | ||
|---|---|---|
| Model Year | Term of Loana | APRb |
| 2019 - 2024 | ||
| 2019 - 2024 | 36 - 63 Months | 5.64% - 17.24% |
| 64 - 75 Months | 6.04% - 17.74% | |
| 76 - 84 Months | 6.49% - 7.74% | |
| 2016 - 2018 | ||
| 2016 - 2018 | 36 - 63 Months | 7.89% - 17.75% |
| 64 - 75 Months | 8.29% - 9.24% | |
Classic Car Loan Rates
| Classic Car Loan Rates | ||
|---|---|---|
| Account Type | Term of Loana | APRb |
| Classic Cars (20+ years old) | ||
| Classic Cars (20+ years old) | 73 - 84 Months | 11.99% - 14.49% |
| 61 - 72 Months | 10.99% - 18.00% | |
| 36 - 60 Months | 10.49% - 18.00% | |
Personal Loan & Line of Credit Rates
| Lines of Credit | ||
|---|---|---|
| Account Type | Comments | APRa |
| Debt180 Debt Consolidation Loan | ||
| Debt180 Debt Consolidation Loan | $500 - $50,000, 6 - 84 Months.b Fixed Rate. | 7.99% - 18.00% |
| Personal Convenience Loan | ||
| Personal Convenience Loan | $500 - $50,000, 6 - 84 Months.b Fixed Rate. | 7.99% - 18.00% |
| Preferred Line of Credit /Overdraft Protection | ||
| Preferred Line of Credit /Overdraft Protection | $500 - $15,000. Variable rate. | 12.99% - 17.24% |
Credit Card Rates
| Credit Cards | ||
|---|---|---|
| Account Type | Comments | APRa |
| VISA Platinum Rewardsb | ||
| VISA Platinum Rewardsb | Variable rate (Prime + 8.74%). Credit limits between $500 and $30,000. | 15.49% |
| VISA Businessb | ||
| VISA Businessb | Variable rate (Prime + 5.90%) | 12.65% |
Home Equity Rates
| Home Equity Loans & Lines | ||
|---|---|---|
| Account Type | Amount | APRa |
| Home Equity Line of Credit (Variable Rate)b | ||
| Home Equity Line of Credit (Variable Rate)b | $10,000 - $350,000 | 6.75% - 9.25% |
| Home Equity Loan - First Lien (Fixed Rate)c | ||
| Home Equity Loan - First Lien (Fixed Rate)c | $10,000 - $350,000 | 6.42% - 7.17% |
| Home Equity Loan - Second Lien (Fixed Rate)d | ||
| Home Equity Loan - Second Lien (Fixed Rate)d | $10,000 - $350,000 | 7.57% - 9.22% |
| Mortgage Buster - First Lien Home Equity Loan (Fixed Rate)e | ||
| Mortgage Buster - First Lien Home Equity Loan (Fixed Rate)e | $25,000 - $350,000 | 6.14% - 6.79% |
Mortgage Rates
Land & Lot Loan Rates
| Land Loan | ||
|---|---|---|
| Account Type | Comments | APRa |
| Land or Lot Loan | ||
| Land or Lot Loan | $5,000 - $200,000.b 10-acre maximum. | 8.24% - 8.99% |
Boat and RV Loan Rates
| RV and Boat Loans | ||
|---|---|---|
| Account Type | Term of Loana | APRb |
| RV/Boats: New/Used | ||
| RV/Boats: New/Used | 36 - 60 Months | 10.49% - 18.00% |
| 61 - 72 Months | 10.99% - 18.00% | |
| 73 - 84 Months | 11.99% - 14.49% | |
| Long-Term RV/Boats: New/Used | ||
| Long-Term RV/Boats: New/Used | 85 - 144 Months | 12.49% - 14.99% |
| 145 - 180 Months | 12.99% - 15.49% | |
Motorcycle Loan Rates
| Motorcycle Loan Rates | ||
|---|---|---|
| Account Type | Term of Loana | APRb |
| Motorcycle: New/Used | ||
| Motorcycle: New/Used | 73 - 84 Months | 11.99% - 14.49% |
| 36 - 60 Months | 10.49% - 18.00% | |
| 61 - 72 Months | 10.99% - 18.00% | |
Checking Account Rates
| Checking Accounts | |||
|---|---|---|---|
| Account Type | APYa | Dividend | Minimum Balance |
| Reserve Plus Banking ($500 minimum opening deposit required) | |||
| Reserve Plus Banking ($500 minimum opening deposit required) | 0.05% | 0.05% | $0 |
Savings Account Rates
| Savings Accounts | |||
|---|---|---|---|
| Account Type | APYa | Dividend | Minimum Balance |
| High Yield Rewards Savingsb | |||
| High Yield Rewards Savingsb | Premium Rate = 3.200% | 3.151% | Up to $25,000 |
| Non-Premium Rate = 1.000% | 0.995% | Above $25,000 | |
| Base Rate = 0.100% | 0.100% | $0 | |
| Membership Savings | |||
| Membership Savings | 0.100% | 0.100% | $5 |
| Regular Savings | |||
| Regular Savings | 0.100% | 0.100% | $0 |
| IRA Savings | |||
| IRA Savings | 1.250% | 1.240% | $0 |
| Rainy Day Savings | |||
| Rainy Day Savings | 0.150% | 0.150% | $0 |
| Save Your Way | |||
| Save Your Way | 0.150% | 0.150% | $0 |
| Christmas Club Savings | |||
| Christmas Club Savings | 0.100% | 0.100% | $0 |
| Vacation Club Savings | |||
| Vacation Club Savings | 0.100% | 0.100% | $0 |
Certificate and IRA Certificate Rates
| Regular & IRA Certificates | |||
|---|---|---|---|
| Account Type | APYa | Dividend | Minimum Balance |
| Limited-Time 9 Month Term (new external funds required)e | |||
| Limited-Time 9 Month Term (new external funds required)e | 4.000% | 3.923% | $5,000 |
| Limited-Time 15 Month Term (new external funds required)e | |||
| Limited-Time 15 Month Term (new external funds required)e | 4.000% | 3.923% | $5,000 |
| 3 Month Termb | |||
| 3 Month Termb | 2.340% | 2.322% | $250 |
| 2.400% | 2.372% | $5,000 | |
| 2.450% | 2.422% | $25,000 | |
| 2.500% | 2.472% | $100,000 | |
| 6 Month Term | |||
| 6 Month Term | 2.840% | 2.810% | $250 |
| 2.900% | 2.860% | $5,000 | |
| 2.950% | 2.910% | $25,000 | |
| 3.000% | 2.960% | $100,000 | |
| 12 Month Term | |||
| 12 Month Term | 2.990% | 2.955% | $250 |
| 3.050% | 3.005% | $5,000 | |
| 3.100% | 3.055% | $25,000 | |
| 3.150% | 3.105% | $100,000 | |
| 14 Month Term (one-time early withdrawal)c | |||
| 14 Month Term (one-time early withdrawal)c | 2.450% | 2.425% | $250 |
| 2.550% | 2.525% | $5,000 | |
| 2.650% | 2.625% | $25,000 | |
| 2.760% | 2.725% | $100,000 | |
| 18 Month Term | |||
| 18 Month Term | 3.040% | 3.004% | $250 |
| 3.100% | 3.054% | $5,000 | |
| 3.150% | 3.104% | $25,000 | |
| 3.200% | 3.154% | $100,000 | |
| 24 Month Term | |||
| 24 Month Term | 3.090% | 3.052% | $250 |
| 3.150% | 3.102% | $5,000 | |
| 3.200% | 3.152% | $25,000 | |
| 3.250% | 3.202% | $100,000 | |
| 24 Month FLEX (with 1x rate increase option)d | |||
| 24 Month FLEX (with 1x rate increase option)d | 2.920% | 2.887% | $250 |
| 2.980% | 2.937% | $5,000 | |
| 3.030% | 2.987% | $25,000 | |
| 3.080% | 3.037% | $100,000 | |
| 36 Month Term | |||
| 36 Month Term | 3.140% | 3.099% | $250 |
| 3.190% | 3.149% | $5,000 | |
| 3.250% | 3.199% | $25,000 | |
| 3.300% | 3.249% | $100,000 | |
| 48 Month Term | |||
| 48 Month Term | 3.190% | 3.149% | $250 |
| 3.250% | 3.199% | $5,000 | |
| 3.300% | 3.249% | $25,000 | |
| 3.350% | 3.299% | $100,000 | |
| 60 Month Term | |||
| 60 Month Term | 3.240% | 3.197% | $250 |
| 3.300% | 3.247% | $5,000 | |
| 3.350% | 3.297% | $25,000 | |
| 3.400% | 3.347% | $100,000 | |
Money Market Account Rates
| Money Market Accounts | |||
|---|---|---|---|
| Account Type | APYa | Dividend | Minimum Daily Balance Required |
| Select Money Market ($1,000 minimum opening deposit)b | |||
| Select Money Market ($1,000 minimum opening deposit)b | 1.000% | 0.996% | $0 |
| 1.250% | 1.243% | $50,000 | |
| 1.300% | 1.292% | $75,000 | |
| 2.050% | 2.030% | $100,000 | |
| 2.200% | 2.177% | $250,000 | |
| Select IRA Money Market ($1,000 minimum opening deposit)b | |||
| Select IRA Money Market ($1,000 minimum opening deposit)b | 1.000% | 0.996% | $0 |
| 1.250% | 1.243% | $50,000 | |
| 1.300% | 1.292% | $75,000 | |
| 2.050% | 2.030% | $100,000 | |
| 2.200% | 2.177% | $250,000 | |
Business Checking and Savings Account Rates
| Business Checking and Savings Accounts | |||
|---|---|---|---|
| Account Type | APYa | Dividend | Minimum Balance |
| Basic Business Checking ($100 minimum opening deposit required) | |||
| Basic Business Checking ($100 minimum opening deposit required) | 0.000% | 0.000% | $0 |
| Business Checking ($2,500 minimum opening deposit required)b | |||
| Business Checking ($2,500 minimum opening deposit required)b | 0.050% | 0.050% | $0 |
| 0.100% | 0.100% | $100,000 | |
| Business Savings ($5 minimum opening deposit required) | |||
| Business Savings ($5 minimum opening deposit required) | 0.100% | 0.100% | $5 |
Business Money Market and Certificate Rates
| Business Money Market and Certificates | |||
|---|---|---|---|
| Account Type | APYa | Dividend | Minimum Daily Balance Required |
| 3 Month Term | |||
| 3 Month Term | 2.340% | 2.322% | $250 |
| 2.400% | 2.372% | $5,000 | |
| 2.450% | 2.422% | $25,000 | |
| 2.500% | 2.472% | $100,000 | |
| 6 Month Term | |||
| 6 Month Term | 2.840% | 2.810% | $250 |
| 2.900% | 2.860% | $5,000 | |
| 2.950% | 2.910% | $25,000 | |
| 3.000% | 2.960% | $100,000 | |
| 12 Month Term | |||
| 12 Month Term | 2.990% | 2.955% | $250 |
| 3.050% | 3.005% | $5,000 | |
| 3.100% | 3.055% | $25,000 | |
| 3.150% | 3.105% | $100,000 | |
| 24 Month Term | |||
| 24 Month Term | 3.090% | 3.052% | $250 |
| 3.150% | 3.102% | $5,000 | |
| 3.200% | 3.152% | $25,000 | |
| 3.250% | 3.202% | $100,000 | |
| 36 Month Term | |||
| 36 Month Term | 3.140% | 3.099% | $250 |
| 3.190% | 3.149% | $5,000 | |
| 3.250% | 3.199% | $25,000 | |
| 3.300% | 3.249% | $100,000 | |
| Business Money Market ($2,500 minimum opening deposit required) | |||
| Business Money Market ($2,500 minimum opening deposit required) | 1.000% | 0.996% | $0 |
| 1.250% | 1.243% | $50,000 | |
| 1.300% | 1.292% | $75,000 | |
| 2.050% | 2.030% | $100,000 | |
| 2.200% | 2.177% | $250,000 | |
2) Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. Cannot be combined with other offers.
Disclosures
Loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 5,14% APR is $568.
(b) 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 discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.
Loans are subject to credit approval.
(a) The estimated monthly payment on a $20,000, 60-month loan at 5,64% APR is $383.
(b) 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 discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All used auto loan rates including promotional rates and discounts are subject to a 5.39% APR minimum for 2019-2024 models, and 7.64% minimum for 2016-2018 models.
Classic Cars are based on J.D. Power valuation classifications. All loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 10,49% APR is $645.
(b) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
Subject to credit approval.
(a) Advertised Annual Percentage Rate (APR) may change without notice.
(b) The estimated monthly payment for a $7,500, 48-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 11.74% APR is $197.
Subject to credit approval.
(a) Advertised Annual Percentage Rate (APR) may change without notice.
(b) Any change in the periodic rate will be effective on the first day of your next billing cycle immediately following a change in the index published in the Wall Street Journal. The interest rate applied to your Account will increase if the Prime Rate increases.
See our Visa Platinum Rewards Card Agreement or our Visa Business Card Agreement.
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.
(a) Advertised Annual Percentage Rate (APR) may change without notice.
(b) Home Equity Line of Credit is a variable rate loan and the 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 3.99%. 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 18.00%.
(c) Available on first lien position only. Fixed rate may vary based on your credit history, term, and loan to home value. Loan range: $10,000 to $350,000. Terms from 120 to 240 months.
(d) Available on second lien position only. Fixed rate may vary based on your credit history, term, and loan to home value. Loan range: $10,000 to $350.000. Terms from 120 to 240 months.
(e) Available on first lien position only. Fixed rate may vary based on your credit history, term, and loan to home value. Loan range: $25,000 to $350,000. Terms from 120 to 180 months.
(a) Advertised Annual Percentage Rate (APR) may change without notice. Terms from 144 to 180 months. Available in FL, GA, NC, OH, SC, TN and VA only.
(b) Rates and terms are subject to change. All loans are subject to credit approval. For land-only loans, a 1% origination fee applies and cannot be financed into loan. Loan requires full title and full appraisal. Land must be undeveloped (no dwelling/house on property) - either raw land or in a recorded subdivision. Loan is subject to a 10-acre maximum. Must be for personal use (no commercial property). Property must perc (raw land only).
Boat loans include motor, trailer & accessories. All loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 10,49% APR is $645.
(b) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
All loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 10,49% APR is $645.
(b) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
Rates are subject to change monthly. Log in to online or mobile banking to see our Deposit Account Agreement for more information about your accounts, dividends, fees and features.
(a) APY = Annual Percentage Yield.
Essentials Plus Banking, SafeSpend Banking and Add-On Banking do not provide dividends.
Savings rates are accurate as of October 1, 2025. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Log in to online or mobile banking to see our Account Terms and Deposit Account Agreement for more information about your accounts, dividends, fees and features.
(a) APY = Annual Percentage Yield.
(b) The terms of the account, including any fees or features, may change. Fees may reduce earnings on this account. Premium Rate: To receive the premium interest rate an active checking account that meets monthly minimums of $500 in deposits and 10 withdrawals is required. The premium rate will be applied at the end of each month on balances up to $25,000. Non-Premium Rate: Interest rate will decrease for balances above $25,000. Base Rate: Interest rate applied if checking activity doesn't qualify. External deposits include: ACH (Direct Deposit), mobile & ATM deposits, checks deposited from a non-Truliant account, in-coming wire transfers. Withdrawals include: Debit card purchases (Point of Sale), checks, ATM, ACH, out-going wire transfers, withdrawal from a Truliant account to make a payment on a Truliant loan. Excluded transactions: internal transfers between Truliant deposit accounts and loan proceeds being deposited into your account from a Truliant loan.
Log in to online or mobile banking to see our Account Terms and Deposit Account Agreement for more information. A penalty may be imposed for early withdrawal.
(a) APY = Annual Percentage Yield.
(b) Not available for IRA certificates.
(c) Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days).
(d) 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.
(e) Penalty for early withdrawal. Requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant. For the 15-month special and the 9-month special, funds will roll over into a 12-month regular certificate upon maturity. Not available for business certificates.
Money Market rates are accurate as of January 1, 2026. Money Market rates are subject to change weekly. Log in to online or mobile banking to see our Account Terms and Deposit Account Agreement for more information about dividends and your accounts.
(a) APY = Annual Percentage Yield.
(b) The minimum deposit to open a Select Money Market and a Select IRA Money Market is $1,000. Check writing is available for a regular Select Money Market account.
Business Savings and Checking rates are accurate as of July 1, 2021. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Log in to online or mobile banking to see our Account Terms and Business Deposit Account Agreement for more information about dividends and your accounts.
(a) APY = Annual Percentage Yield.
(b) The Business Checking account $10 monthly maintenance fee is waived if you maintain a minimum daily balance of $2,500.
Business Money Market rates are subject to change weekly. All Certificate rates are fixed and will not be paid until maturity. A penalty may be imposed for early withdrawal. Certificate and Money Market rates are accurate as of February 27, 2025. Log in to online or mobile banking to see our Account Terms and Business Deposit Account Agreement for more information about dividends and your accounts.
(a) APY = Annual Percentage Yield.