Auto Loans
New Autos & Trucks (2019-2020)
| Term |
As low as |
|---|---|
| Up to 36 months |
2.86% Rate - 3.25% APR |
| 37 to 48 Months |
3.125% Rate - 3.42% APR |
| 49 to 60 Months |
3.25% Rate - 3.49% APR |
| 61 to 72 Months |
3.50% Rate - 3.70% APR |
| 73 to 84 Months |
4.125% Rate - 4.30% APR |
| 85 to 96 Months |
4.75% Rate - 4.91% APR |
Used Autos & Trucks
| Term |
Year |
As low as |
|---|---|---|
| Up to 60 Months |
2016-2018 |
3.50% Rate - 3.78% APR |
| 61 to 72 Months (min. $10,000) |
2016-2018 |
4.00% Rate - 4.20% APR |
| Up to 48 Months |
2014-2015 |
3.875% Rate - 4.17% APR |
| 49 to 60 Months |
2014-2015 |
4.25% Rate - 4.49% APR |
| Up to 42 Months |
2013 and Older |
4.625% Rate - 4.96% APR |
| 43 to 54 Months |
2013 and Older |
5.125% Rate - 5.39% 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 12/16/2019 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 (2019 - 2020)
| Term | As low as |
|---|---|
| Up to 60 Months | 5.00% Rate – 5.144% APR |
| 61 to 96 Months | 6.00% Rate - 6.094% APR |
| 97 to 144 Months | 7.00% Rate - 7.067% APR |
| 145 to 240 Months | 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 June 24, 2019. 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 (2018 and older)
| Term | As low as |
|---|---|
| Up to 60 Months | 5.75% Rate - 6.114% APR |
| 61 to 120 Months | 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 June 24, 2019. 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 (2019 - 2020)
| 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 |
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 June 24, 2019. 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 (2018 and older)
| Term | As low as |
|---|---|
| Up to 36 Months | 5.00% Rate – 6.180% APR |
| 37 to 60 Months | 6.00% Rate – 6.735% APR |
| 61 to 72 Months | 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 June 24, 2019. 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
Special Offer: Turn your home's equity into extra cash in your pocket.
1.75% APR through all of 2020 for all credit scores
No closing costs
No application fee
Offer is available for new applications submitted from December 2, 2019 - December 31, 2020. The 1.75% 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 1.75% from inception to December 31, 2020. 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 December 31, 2020, the variable rate for Home Equity Lines of Credit range from 3.00% APR to 9.75% 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 1.75% 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 if the loan amount 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 obligated to pay (recapture) closing costs associated with the opening of this loan. Equal Housing Lender. Federally insured by the NCUA.
| 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
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.
Improve your financial health with an unsecured Consolidation Loan.
Based on a $10,000 Loan:
| Term |
Rate / APR
|
|---|---|
| 24 Months | 7.50% / 8.48% APR |
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 | 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.
