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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
2.600% Rate - 2.98% APR
37 to 48 Months
2.875% Rate - 3.17% APR
49 to 60 Months
3.000% Rate - 3.24% APR
61 to 72 Months (minimum $15,000)
3.125% Rate - 3.32% 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
3.250% Rate - 3.49% APR
61 to 72 Months (min. $15,000)
2017-2019
3.750% Rate - 3.95% APR
Up to 48 Months
2015-2016
3.625% Rate - 3.92% APR
49 to 60 Months
2015-2016
4.000% Rate - 4.24% 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 November 1, 2020  APR=Annual Percentage Rate. * "As low as" rates are based on 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.


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.


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.


Home Equity Rates



Loan Type Term As low as
Fixed Rate Home Equity
85% LTV*
Up to 60 Months 4.23% APR
Fixed Rate Home Equity
Up to 85% LTV*
61 - 120 Months 4.50% APR
Fixed Rate Home Equity
Up to 85% LTV*
121 - 180 Months 4.93% APR
Home Equity Line of Credit Up to 85% LTV** 5 year draw
15 year amortization
Rates as low as 3.00% APR,
(Prime - .25%) 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 4.23% for qualified members. Rates may vary based upon one or more of the following: credit rating and value of collateral. Minimum APR is 4.23%.  Maximum (loan to value) LTV is 85%, 90% LTV with a rate increase of .25%. 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. No application or processing fee if loan amount is above $25,000.  Equal Housing Lender. TrueCore Federal Credit Union, 215 Deo Drive, Newark, Ohio 43055. NMLS# 470044 

**Home Equity Lines of Credit (HELOCs) are variable rate products. Annual Percentage Rate (APR) as low as 3.00% for qualified members. Rates may vary based upon one or more of the following: credit rating and value of collateral. Minimum rate is 3.00%. Maximum rate is 18.00%. Maximum LTV (Loan to Value) is 85%, 90% LTV with a rate increase of .25%. Owner occupied properties only. No application or processing fee. Rate will be published in The Wall Street Journal. Variable rates may be adjusted quarterly by applying the predetermined margin to the index published 15 days prior to the change date. Example - $67.71 payment on a $25,000 initial draw with a 3.25% rate (payments adjust with rate increases, minimum payment $50).   If line is closed within the first 36 months, member will be responsible for paying all fees associated with obtaining the loan. Equal Housing Lender. TrueCore Federal Credit Union, 215 Deo Drive, Newark, Ohio 43055. NMLS# 470044
 
Revised March 16, 2020
 

Signature (Personal) Loans


Get 50% off your rate and loan fee

with a TrueCore signature loan.


Available through February 27, 2021 for all credit scores.








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.
 
 
Must be a member of TrueCore Federal Credit Union. Those who reside, work, attend school, worship, or volunteer in Licking County may become a member. Offer valid January 4 - February 27, 2021 for all credit scores with a maximum term of 12 months and maximum loan amount of $5,000. Signature loan rates are as low as 3.75% with the 50% discount. APR = 5.59%. APR calculation is based on a rate of 3.75%, a $5,000 loan amount, a 12-month term, and a $49.50 loan fee (normally $99). Rates and terms are subject to change without notice. Your individual rate will be determined by your actual credit score. Approval is based on credit union qualifications and policies. Federally insured by the NCUA. Equal Housing Lender.


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.
 

VISA Credit Cards


Introducing...

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)
  • 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.