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TruNorth Federal Credit Union

Rates

Loan Rate Discount

Save .25% with Automatic payments on your loan.  Loan rates are reduced by .25% if your loan payment is made by automatic transfer from your savings or checking account. This discount applies to all loans except Visa, Student Loans, Home Equity and Mortgage.

NEW! Well qualified members save even more. A credit score of 700-775 earns an additional .50% rate reduction on our Any Purpose signature, vehicle, RV, boat or motorcycle loan. A full 1.0% rate discount applies for borrowers with credit scores of 776 or higher. The rates posted below are for credit scores of 650 - 699. We use FICO Classic 09 to determine credit scores.

Loan Rates shown are already reduced by the .25%.

Loan Rates

Signature/ Any Purpose
TermAPRMonthly Payment per $1,000Maximum
36 month 7.90% $31.30 $25,000
60 month 8.90% $20.72 $25,000
72 month 9.90% $18.48 $25,000
VISA 11.90%   $20,000

Total combined signature loan balance and Visa limit may not exceed $35,000.

New Vehicles (No Down Payment Needed)
Effective Date: Saturday, October 21st, 2017
TermAPRMonthly Payment per $1,000Requirement
36 month 2.30% $28.78  
48 month 3.30% $22.27  
60 month 3.40% $18.15  
72 month 4.30% $15.79 ($15,000+)
84 month 4.80% $14.04 ($30,000+)

 Maximum vehicle terms: New vehicles ($15,000+).  Up to 72 month financing.

Used Vehicles (No Down Payment Needed)
Effective Date: Saturday, October 21st, 2017
TermAPRMonthly Payment per $1,000Requirement
36 month 2.30% $28.78  
48 month 3.30% $22.20  
60 month 3.40% $18.15  
72 month 4.30% $15.79  
84 month 4.80% $14.04 (classis/antique)

New RVs, Boats, Motorcycles, Campers (No Down Payment Needed)
Effective Date: Saturday, October 21st, 2017
TermAPRMonthly Payment per $1,000Requirement
36 month 2.30% $28.78  
48 month 3.30% $22.27  
60 month 3.40% $18.15  
72 month 4.30% $15.79  
84 month 4.80% $14.05  
120 month 5.49% $10.85 Fixed ($30,000+)

 Up to a 10 year loan term on new and used RVs or boats.  Rate is the same as new or used 60 month loan with a balloon payment after 60 months.

Used RVs, Boats, Motorcycles, Campers (No Down Payment Needed)
Effective Date: Saturday, October 21st, 2017
TermAPRMonthly Payment per $1,000
36 month 2.30% $28.78
48 month 3.30% $22.27
60 month 3.40% $18.15
72 month 4.30% $15.79

 Up to a 10 year loan term on new and used RVs or boats.  Rate is the same as new or used 60 month loan with a balloon payment after 60 months.

Share Secured
APRTermMonthly Payment per $1,000Maximum
0.95% for up to 36 months $28.19  
2.95% for up to 72 months $15.18  
Requirement: Funds must be on deposit at TNFCU and cannot be an IRA

Home Equity Credit Line
TypeAPRTerm
Revolving 3.90% Introductory Rate for 36 months
Variable 6.00% (Prime Rate + 0)

Mortgage (any term up to 30 years)
TypeAPR
Down Payment 20%
1 yr adjustable 3.75%
3/27 3.90%
5/25 4.25%
66 Month Balloon 4.75%
30 yr fixed Call for current rate

Fixed Rate Secondary Market Mortgages, call for current rate

Ask about our 10% down mortgage.

Featured Rates (As Low As)
TypeAPR
Auto Loan 1.30%
Home Equity Credit Line 3.90%

See our Rates page for all rates

Deposit Rates

Savings
TypeRateAPY *
Regular Savings 0.15% 0.15%
Christmas Club 0.15% 0.15%
Vacation Club 0.15% 0.15%
IRA 0.95% 0.95%
Kirby/Claim Your Youth <=$500.00 5.00% 5.09%
> $500.00 0.15% 0.15%
Save to Win *** 0.15% 0.15%

Checking
TypeRateAPY *Requirement
Checking 0.00% 0.00%  
Money Market *** 0.20% 0.20% Balance >=$500 / limit on transaction

Certificates
TermRateAPY **
6 month 0.25% 0.25%
12 month 0.40% 0.40%
24 month**** 0.70% 0.70%
36 month**** 0.90% 0.90%
60 month**** 0.95% 0.95%

****Option to increase the rate one time during the term of the Certificate of Deposit if the credit union's rates increase. Annual Percentage Yield (APY) indicates actual interest earnings provided the entire CD balance and all dividends earned remain on deposit for 12 months.  

*        Fees could reduce earnings.

**      A penalty may be imposed for early withdrawal.

***  See us for details.

**** Option to increase the rate one time during the term of the Certificate of Deposit if the credit union's rates increase.  Annual Percentage Yield (APY) indicates actual interest earnings provided the entire CD balance and all dividends earned remain on deposit for 12 months.

APY = Annual Percentage Yield    APR = Annual Percentage Rate  

Please be aware that individual rates and terms may vary based on down payment, age of collateral, mileage, credit history and credit score.

All Rates as of 10/21/2017 and are subject to change.

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