Interest Rates
All rates effective as of 11/6/2025.
Mortgages
- All Rates
- New Auto Loans
- Used Auto Loans
- Classic Car Loans
- Personal Loans & Lines of Credit
- Credit Cards
- Home Equity Loans and Lines of Credit
- Land & Lot Loans
- Boat and RV Loans
- Motorcycle Loans
- Checking Accounts
- Savings Accounts
- Certificates and IRA Certificates
- Money Market Accounts
- Business Checking and Savings Accounts
- Business Money Market and Certificates
- All Rates
- New Auto Loan Rates
- Used Auto Loan Rates
- Classic Car Loan Rates
- Personal Loan & Line of Credit Rates
- Credit Card Rates
- Home Equity Rates
- Mortgage Rates
- Land & Lot Loan Rates
- Boat and RV Loan Rates
- Motorcycle Loan Rates
- Checking Account Rates
- Savings Account Rates
- Certificate and IRA Certificate Rates
- Money Market Account Rates
- Business Checking and Savings Account Rates
- Business Money Market and Certificate Rates
Mortgage Rates
Click to get personalized mortgage rates.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Unexpected perks — A $90 per month value if purchased separately:
- Lifestyle Protection and Savings
- Cell phone protection coverage
- 24/7 roadside assistance
- Buyer protection and extended warranties
- Telehealth for your family
- Save on healthcare (prescription, vision and dental discounts)
- Travel and leisure discounts
- Shopping perks (receive cash back or use for purchases)
- Shell station fuel perks
- Security and Fraud Protection
- Credit and identity monitoring
- View details.
- Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
- Free standard Truliant checks
- Free official checks
- Free incoming wire transfers
- One-time overdraft fee waiver (per calendar year)
- Early Pay — Get your paycheck up to 2 days early
- Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
- Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Reserve Plus Banking:
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
| General Charges | |
|---|---|
| Fee Type | Fee Amount |
| Monthly maintenance | $25.00 Waived with any of the following: 1) Average Monthly Deposit Relationship ≥ $25,000, or 2) Average Monthly Truliant Financial Advisors Investment ≥ $50,000 |
| Order checks | Standard Truliant Checks are free |
| Wire transfer (outgoing) | $25.00 Domestic, $35.00 International (incoming wires are free) |
| Overdraft Charges | |
| Fee Type | Fee Amount |
| Balance Backup* and Balance Backup+** overdraft protection | $28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year |
| Deposit account overdraft protection transfer service charge | $3.00 (limit once daily) |
| Line of credit overdraft protection transfer service charge | $3.00 (limit once daily) |
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Our Balance Backup coverage offers members emergency overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
Truliant will strive to pay the following types of transactions when you do not have funds available.
- Checks and other transactions made using your checking account number
- Automatic recurring drafts made using your debit card number
- Debit card transactions
- ATM transactions
Receive one free overdraft per calendar year by contacting us or visiting a branch. Normal fee of $28 per overdraft applies for all other overdrafts.
Access to more than 80,000 surcharge-free ATMs. A surcharge-free ATM is one you can use without paying an extra fee charged by the ATM owner. Truliant partners with a nationwide network of ATMs that let you withdraw cash, check balances, and more—without those added fees.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the ATM locator to find the most convenient locations near you.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the ATM locator to find the most convenient locations near you.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for SafeSpend Banking:
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
| General Charges | |
|---|---|
| Fee Type | Fee Amount |
| Monthly maintenance | $5.00 Waived with any of the following: 1) Monthly Total Deposits ≥ $250, or 2) 23 or younger |
| Official check, payable to third party | $5.00/check |
| Wire transfer (incoming) | $10.00 (Domestic / International) |
| Wire transfer (outgoing) | $25.00 (Domestic) $35.00 (International) |
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Non-Sufficient Funds occur when there isn’t enough money in your account to complete a payment. If this happens, we’ll simply reject the payment — and we won’t charge you a fee.
Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits. You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members.
See more details here.
See more details here.
Acceptable forms of identification:
Additional documents may be requested to verify identity and residency.
- Driver’s license (state or U.S. territory issued)
- Driver’s license learner permit (state or U.S. territory issued)
- ID card (state or U.S. territory issued)
- Passport (U.S. or foreign government-issued)
- Armed Forces ID (U.S. government-issued)
- Permanent resident card (U.S. government-issued)
- Employment authorization card (U.S. government-issued)
- VISA (U.S. government-issued)
- Matricula Consular ID (Mexican consulate issued)
Additional documents may be requested to verify identity and residency.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Unexpected perks — A $90 per month value if purchased separately:
- Lifestyle Protection and Savings
- Cell phone protection coverage
- 24/7 roadside assistance
- Buyer protection and extended warranties
- Telehealth for your family
- Save on healthcare (prescription, vision and dental discounts)
- Travel and leisure discounts
- Shopping perks (receive cash back or use for purchases)
- Shell station fuel perks
- Security and Fraud Protection
- Credit and identity monitoring
- View details.
- Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
- One-time overdraft fee waiver (per calendar year)
- Early Pay — Get your paycheck up to 2 days early
- Low-cost standard Truliant checks — Only $10 per order
- Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
- Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Essentials Plus Banking:
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
Chat with us.
| General Charges | |
|---|---|
| Fee Type | Fee Amount |
| Monthly maintenance | $7.50 Waived with any of the following: 1) Monthly Direct Deposit ≥ $500, or 2) Average Monthly Checking Balance ≥ $1,500, or 3) Average Monthly Deposit Relationship ≥ $5,000 |
| Order checks | Standard Truliant Checks = $10.00 |
| Official check, payable to third party | $5.00/check |
| Wire transfer (incoming) | $10.00 Domestic or International |
| Wire transfer (outgoing) | $25.00 Domestic, $35.00 International |
| Overdraft Charges | |
| Fee Type | Fee Amount |
| Balance Backup* and Balance Backup+** overdraft protection | $28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year |
| Deposit account overdraft protection transfer service charge | $3.00 (limit once daily) |
| Line of credit overdraft protection transfer service charge | $3.00 (limit once daily) |
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.