Auto Loans
New Autos & Trucks (2024-2025)
| Term |
As low as |
|---|---|
| Up to 60 months |
4.74% Rate - 5.083% APR |
| 61 to 72 Months (minimum $15,000) |
4.74% Rate - 5.028% APR |
| 73 to 84 Months (minimum $20,000) |
5.74% Rate - 5.993% APR |
| 85 to 96 Months (minimum $30,000) |
6.74% Rate - 6.967% APR |
Used Autos & Trucks
| Term |
Year |
As low as |
|---|---|---|
| Up to 60 Months |
2021-2023 |
4.99% Rate - 5.333% APR |
| 61 to 72 Months (min. $15,000) |
2021-2023 |
5.49% Rate - 5.781% APR |
| Up to 60 Months |
2019-2020 |
5.99% Rate - 6.337% APR |
| Up to 54 Months |
2018 and Older |
6.99% Rate - 7.376% APR |
Antiques/Classics/Collectors 25 years or older
| Max Term | As low as |
|---|---|
| Up to 60 Months | 5.74% Rate - 6.086% APR |
Rates effective as of January 2, 2025. APR=Annual Percentage Rate. * "As low as" rates are based on TruePerks membership and a credit score of 700 or better. Your individual rate will be determined by your actual credit score. Rates and terms are subject to change without notice. Approval is based upon your credit qualifications and credit union policies. Calculations are based on a $30,000 loan amount and a $249 processing fee. Federally insured by the NCUA.
Boats and RVs
New (2024 - 2025)
| Term | As low as |
|---|---|
| Up to 60 Months | 6.49% Rate – 6.698% APR |
| 61 to 96 Months (minimum $20,000) | 7.49% Rate - 7.627% APR |
| 97 to 144 Months (minimum $30,000) | 8.49% Rate - 8.589% APR |
| 145 to 180 Months (minimum $40,000) |
9.49% Rate - 9.576% APR
(see policy for requirements)
|
Used (2023 and older)
| Term | As low as |
|---|---|
| Up to 60 Months | 6.99% Rate - 7.199% APR |
| 61 to 120 Months (minimum $20,000) | 8.99% Rate - 9.106% APR |
Motorcycles
New (2024 - 2025)
| Term |
As low as |
|---|---|
| Up to 60 Months |
5.49% Rate – 6.009% APR |
| 61 to 72 Months (minimum $15,000) |
5.99% Rate - 6.430% APR |
Used (2023 and older)
| Term | As low as |
|---|---|
| Up to 60 Months | 6.49% Rate – 7.548% APR |
| 61 - 72 Months (minimum $15,000) | 6.99% Rate – 7.889% APR |
UTV/ATV Rates
New (2024 - 2025)
| Term | As low as |
|---|---|
| Up to 72 Months | 5.99% Rate - 6.337% APR |
| 73-84 Months | 6.99% Rate - 7.295% APR |
| 85-96 Months | 7.99% Rate - 8.266% APR |
New financing only; refinancing of existing loans is not eligible. "As low as" rates are based on a credit score of 700 or better. Rates and terms are subject to change without notice. Rates effective as of March 1, 2025. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate. APR calculation is based on a $25,000.00 loan amount and a $249.00 processing fee. Federally insured by the NCUA. Maximum loan size of $50,000.00.
Used (2017 - 2023)
| Term | As low as |
|---|---|
| Up to 72 Months | 6.99% Rate - 7.340% APR |
New financing only; refinancing of existing loans is not eligible. "As low as" rates are based on a credit score of 700 or better. Rates and terms are subject to change without notice. Rates effective as of March 1, 2025. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate. APR calculation is based on a $25,000.00 loan amount and a $249.00 processing fee. Federally insured by the NCUA. Maximum loan size of $50,000.00.
Home Equity Rates
| Loan Type | Term | As low as |
|---|---|---|
| Fixed Rate Home Equity 80% LTV* |
Up to 60 Months | 7.00% APR |
| Fixed Rate Home Equity Up to 80% LTV* |
61 - 120 Months | 7.25% APR |
| Fixed Rate Home Equity Up to 80% LTV* |
121 - 180 Months | 7.50% APR |
|
Interest-only Home Equity Line of Credit
Up to 80% LTV**
|
10 year draw 15-year amortization |
7.50%
|
|
Interest-only Home Equity Line of Credit
85% LTV**
|
10 year draw 15-year amortization |
Rates as low as 8.50% (Prime + 1.00%) Today's Prime Rate = 7.50% |
| Interest-only Home Equity Line of Credit 90% LTV** |
10 year draw 15-year amortization |
Rates as low as 9.00% (Prime + 1.50%) Today's Prime Rate = 7.50% |
**The interest rate is variable and is based upon an index plus a margin. The interest rate will vary with Prime Rate (the index) as published in the Wall Street Journal. As of December 20, 2024, the variable rates for Home Equity Lines of Credit range from 7.25% to 18.00%. Higher rates may apply due to an increase in the Prime Rate and/or a low credit score. The rate will not vary above 18% or below 3.00%. Loans are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Member pays no closing costs if the loan is above $75,000, unless the loan is paid in full and closed within 36 months. If the loan is paid in full and closed within 36 months, the member is responsible for repaying all fees associated with obtaining the loan. Equal Housing Lender. Federally insured by the NCUA. TrueCore Federal Credit Union, 215 Deo Drive, Newark, Ohio 43055. NMLS# 470044 Revised December 20, 2024
Vacant Land Loans
Let TrueCore help you make your dream of buying land a reality.
| Term | As low as |
|---|---|
| Up to 60 months | 7.00% |
| 61 - 120 months | 7.25% |
| 121 - 180 months | 7.50% |
Rates are effective as of September 5, 2023. For purchases, a 20% minimum down payment is required. For refinancing, a 40% minimum down payment is required. Rates are determined by your actual credit score. Rates and terms are subject to change without notice.
Signature (Personal) Loans
| Term | As Low As |
|---|---|
|
Up to 12 Months
|
6.74% Rate - 8.612% APR |
| 13 to 24 Months | 7.49% Rate - 8.477% APR |
| 25 to 36 Months | 7.74% Rate - 8.416% APR |
| 37 to 48 Months* | 7.99% Rate - 8.508% APR |
| 49 to 60 Months* | 8.99% Rate - 9.416% APR |
“As low as” rates are based on a credit score of 740 or better. Rates and terms are subject to change without notice. Rates effective as of January 2, 2025. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate. APR calculation is based on a $10,000 loan amount and a $99 processing fee. Federally insured by the NCUA. *Loan Committee or CLS approval required.
.VISA Credit Cards
