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TrueCore Federal Credit Union

Loan Rates

 
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Auto Loans

 

New Autos & Trucks (2018-2019)


Term
As low as
Up to 36 months
3.12% Rate - 3.50% APR
37 to 48 Months
3.50% Rate - 3.79% APR
49 to 60 Months
3.75% Rate - 3.99% APR
61 to 72 Months
4.00% Rate - 4.20% APR
73 to 84 Months
4.63% Rate - 4.81% APR
85 to 96 Months
5.00% Rate - 5.16% APR

Used Autos & Trucks


Term
Year
As low as
Up to 60 Months
2015-2017
3.75% Rate - 3.99% APR
61 to 72 Months (min. $10,000)
2015-2017
4.25% Rate - 4.45% APR
Up to 48 Months
2013-2014
4.00% Rate - 4.29% APR
49 to 60 Months
2013-2014
4.38% Rate - 4.62% APR
Up to 42 Months
2012 and Older
4.75% Rate - 5.09% APR
43 to 54 Months
2012 and Older
5.25% Rate - 5.52% APR

Antiques/Classics/Collectors  25 years or older


Max Term As low as
60 Months 4.99% Rate - 5.17% APR
Rates effective as of 4/1/2019  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 (2018 - 2019)


Term As low as
Up to 60 Months 6.75% Rate – 6.93% APR
61 to 96 Months 7.75% Rate - 7.87% APR
97 to 144 Months 8.25% Rate - 8.34% APR
145 to 240 Months 9.25% Rage - 9.31% APR (see policy for requirements)
"As low as" rates are based on a credit score of 740 or better and a $30,000 loan amount. Rates and terms are subject to change without notice. Rates effective as of October 1, 2018. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate.
 


Used (2017 and older)

Term As low as
Up to 60 Months 7.25% Rate - 7.43% APR
61 to 120 Months 8.25% Rate - 8.35% APR
"As low as" rates are based on a credit score of 740 or better and a $20,000 loan amount. Rates and terms are subject to change without notice. Rates effective as of October 1, 2018. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate.

 

Motorcycles

 

New (2018 - 2019) 


Term
 As low as
Up to 36 Months
 4.75% Rate – 5.18% APR
37 to 60 Months
5.75% Rate – 6.02% APR
61 to 72 Months
6.75% Rate - 6.98% 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 October 1, 2018. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate.
 
 

Used (2017 and older)


Term As low as
Up to 36 Months 6.75% Rate – 7.63% APR
37 to 60 Months 7.75% Rate – 8.30% APR
61 to 72 Months 8.75% Rate – 9.22% 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 October 1, 2018. Your rate will be determined by your actual credit score. LTV=Loan To Value. APR=Annual Percentage Rate.
 
 

Home Equity Rates

Now even lower!


Loan Type Term As low as
Fixed Rate Home Equity
85% LTV*
Up to 60 Months 3.49% APR
Fixed Rate Home Equity
Up to 85% LTV*
61 - 84 Months 3.99% APR
Fixed Rate Home Equity
Up to 85% LTV*
85 - 120 Months 5.49% APR
Home Equity Line of Credit Up to 85% LTV** 5 year draw
15 year amortization
Rates as low as 5.25% APR,
(Prime - .25%) Today's Prime Rate = 5.50%

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

 

Special Home Equity Line of Credit Offer:

.99% APR***

through all of 2019 for all credit scores.

No closing costs or application fee.  

With TrueCore, you can turn your home's equity
into the money you need for

vacations, education and more.

 
*Fixed second mortgage loans. Annual Percentage Rate (APR) as low as 3.49% for qualified members. Rates may vary based upon one or more of the following: credit rating and value of collateral. Minimum APR is 3.49%.  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 - $717.08 payment on a $40,000 loan, 60 months with a 2.90% rate. No application or processing fee.  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 5.25% for qualified members. Rates may vary based upon one or more of the following: credit rating and value of collateral. Minimum rate is 5.25%. 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 - $107.87 payment on a $25,000 initial draw with a 5.25% 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
 
***Special offer: .99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a 90% loan-to-value (LTV) or less. The Introductory Interest Rate will be fixed at .99% from inception to December 31, 2019. Offer is available for new applications submitted from April 1 - June 30, 2019. After the introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of April 1, 2019, the variable rate for Home Equity Lines of Credit ranged from 5.25% APR to 12.00% APR. Higher rates may apply due to an increase in the Prime Rate, for a credit limit below $25,000, an LTV above 85%, and/or a low credit score. The rate will not vary above 18% APR or below .99% APR. 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 unless the loan is closed within 36 months. If the loan is closed within 36 months, the member must re-pay all closing fees. Equal Housing Lender. Federally insured by the NCUA.

Revised May 22, 2019
 
 

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

 

Interest Rates & Interest Charges

Annual Percentage Rate (APR)


Annual Percentage Rate (APR) for Purchases 11.95% to 16.95%, based on your credit score.
APR for Balance Transfers 0.99% Introductory APR until December 31, 2019. After that, your APR will be 11.95% TO 16.95%, based on your credit score.
APR for Cash Advances 11.95% to 16.95%, based on your credit score.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees


Annual Fee
-Annual Fee
None
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee
-Transaction Fee for Purchases
None
$1.00
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None
Penalty Fees
-Late Payment Fee
-Returned Payment Fee
Up to $26.00
Up to $25.00
For complete details, click here.
 
 
 
 
 
 
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.