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TrueCore Federal Credit Union

Loan Rates

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Auto Loans


New Autos & Trucks (2020-2021)


Term
As low as
Up to 36 months
1.99% Rate - 2.375% APR
37 to 48 Months
1.99% Rate - 2.281% APR
49 to 60 Months
1.99% Rate - 2.224% APR
61 to 72 Months (minimum $15,000)
1.99% Rate - 2.186% APR
73 to 84 Months (minimum $20,000)
3.875% Rate - 4.05% APR
85 to 96 Months (minimum $30,000)
4.375% Rate - 4.53% APR

Used Autos & Trucks


Term
Year
As low as
Up to 60 Months
2017-2019
1.99% Rate - 2.224% APR
61 to 72 Months (min. $15,000)
2017-2019
1.99% Rate - 2.186% APR
Up to 48 Months
2015-2016
1.99% Rate - 2.281% APR
49 to 60 Months
2015-2016
1.99% Rate - 2.224% APR
Up to 42 Months
2014 and Older
4.375% Rate - 4.71% APR
43 to 54 Months
2014 and Older
4.875% Rate - 5.14% APR

Antiques/Classics/Collectors  25 years or older


Max Term As low as
60 Months 4.25% Rate - 4.51% APR

Rates effective as of August 2, 2021.  APR=Annual Percentage Rate. * "As low as" rates are based on TruePerks membership and a credit score of 740 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 $175 processing fee.  Federally insured by the NCUA.


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Boats and RVs 


New (2020 - 2021)


Term As low as
Up to 60 Months 5.00% Rate – 5.144% APR
61 to 96 Months (minimum $20,000) 6.00% Rate - 6.094% APR
97 to 144 Months (minimum $30,000) 7.00% Rate - 7.067% APR
145 to 180 Months (minimum $40,000) 8.25% Rate - 8.298% APR (see policy for requirements)
"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 November 1, 2020. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate. APR calculation is based on a $50,000 loan amount and $175 processing fee. Federally insured by the NCUA.
 


Used (2019 and older)

Term As low as
Up to 60 Months 5.75% Rate - 6.114% APR
61 to 120 Months (minimum $20,000) 6.75% Rate - 6.946% 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 November 1, 2020. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate. APR calculation is based on a $20,000 loan amount and $175 processing fee. Federally insured by the NCUA.

 
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Motorcycles


New (2020 - 2021) 


Term
 As low as
Up to 36 Months
 4.00% Rate – 4.583% APR
37 to 60 Months
5.00% Rate – 5.362% APR
61 to 72 Months (minimum $15,000)
6.00% Rate - 6.308% 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 November 1, 2020. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate. APR calculation is based on a $20,000 loan amount and $175 processing fee. Federally insured by the NCUA.


Used (2019 and older)


Term As low as
Up to 36 Months 5.00% Rate – 6.180% APR
Up to 60 Months 6.00% Rate – 6.735% APR
Up to 72 Months (minimum $15,000) 7.50% Rate – 8.131% 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 November 1, 2020. 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 $175 processing fee. Federally insured by the NCUA.

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Home Equity Rates



Loan Type Term As low as
Fixed Rate Home Equity
80% LTV*
Up to 60 Months 3.75% APR
Fixed Rate Home Equity
Up to 80% LTV*
61 - 120 Months 4.25% APR
Fixed Rate Home Equity
Up to 80% LTV*
121 - 180 Months 4.75% APR
Interest-only Home Equity Line of Credit
Up to 80% LTV**
5 year draw
15 year amortization
3.25%
Interest-only Home Equity Line of Credit
85% LTV**
5 year draw
15 year amortization
Rates as low as 3.75%
(Prime + .50%) Today's Prime Rate = 3.25%
Interest-only Home Equity Line of Credit             
90% LTV**
5 year draw
15 year amortization
Rates as low as 4.25%
(Prime + 1%) Today's Prime Rate = 3.25%

To apply for a Home Equity Loan now, Click Here.

 

*Fixed second mortgage loans. Annual Percentage Rate (APR) as low as 3.75% for qualified members. Rates may vary based upon one or more of the following: credit rating and value of collateral. Minimum APR is 3.75%.  Maximum (loan to value) LTV is 80%, 85%-90% LTV with a rate increase of .50% (85%) or 1.00% (90%). Owner occupied properties only. Rates are subject to change. Example - $915.24 payment on a $50,000 loan, 60 months with a 3.75% rate.  Member pays no closing costs if the loan is above $25,000, 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. TrueCore Federal Credit Union, 215 Deo Drive, Newark, Ohio 43055. NMLS# 470044 
 

**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 31, 2020, the variable rates for Home Equity Lines of Credit range from 3.00% to 18.00%. Higher rates may apply due to an increase in the Prime Rate, a credit limit below $25,000, 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 $25,000, 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 September 1, 2021
 
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Signature (Personal) Loans


We make personal loans personal. Whether you're looking to consolidate debt, make home improvements, cover unexpected expenses, or take a much-needed vacation, TrueCore can help.
 
Great rates are also available for less-than-perfect credit scores. Inquire today by calling/texting 740-345-6608, or emailing info@truecore.org.
 
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Energy Efficiency Loans


Rate APR
As Low As 7.40% As Low As 9.99%

Rates are effective as of October 26, 2015 and are subject to change without notice. Based on a $5,000 new loan, payment of $224.82 for 24 months. A $129 processing fee may apply. Must become a member of TrueCore. As an Energy Cooperative member, you are eligible for membership at TrueCore. Certain restrictions and credit evaluation may apply. Rates are subject to change without notice. Subject to credit approval. Federally insured by the NCUA.
 
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VISA Credit Cards


Get Cash Back Rewards

with TrueCore's new Visa Rewards Credit Card!



  • Earn 1.5% cash back on purchases
  • Earn an additional $150 cash back bonus after your first three months (with a minimum of $3,000 in purchases)
  • Rates as low as 7.99% APR
  • Receive a cutting-edge metal card design
  • No balance transfer fee
TrueCore's cash back rewards program is effective as of October 1, 2020. Cash back rewards are based on monthly, signature-based transactions only. Lines range from $5,000 to $20,000. Annual fee $69 (fee waived for the first year). Rates and terms are subject to change without notice. Federally insured by the NCUA.
 


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TrueCore Visa Platinum Card

  • No annual fee
  • EMV chip technology
  • Local Service
  • Free and easy access through online banking
  • Use with Apple, Google, or Samsung Pay


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Clipboard Application

Apply for a Loan


Expect low-rate loans for every occasion from your partners at TrueCore. An easy online application is available for your convenience.

TrueCore Federal Credit Union

TrueCore Foundation


Giving back to the community has always been a priority at TrueCore. Learn more about our 501 (c)(3), non-profit organization.