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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 7/29/2019  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 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 (2017 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 (2018 - 2019) 


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 (2017 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

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.

 

*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
 
Revised June 29, 2019
 

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.
 

Based on a $5,000 Loan:

 
Term
Rate / APR
24 Months 9.95% / 11.91% APR
 Rates and terms are subject to change without notice. Rate and APR are based on a $5,000 loan amount, 24-month term, and a credit score of 740+. 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

 

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.
 
 
 
 
 
 
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.