Explore our interest rates and dividends.

Loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 6.49% APR is $587.
(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 6.24% minimum APR for new autos.

Loans are subject to credit approval.
(1) The estimated monthly payment on a $20,000, 60-month loan at 6.99% APR is $396.
(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All used auto loan rates including promotional rates and discounts are subject to a 6.74% APR minimum for 2017-2022 models, and 8.99% minimum for 2014-2016 models.

Subject to credit approval.
(1) The estimated monthly payment for a $7,500, 48-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 11.74% APR is $197.
(2) Advertised Annual Percentage Rate (APR) may change without notice.

Subject to credit approval.
(1) Advertised Annual Percentage Rate (APR) may change without notice.
(2) Any change in the periodic rate will be effective on the first day of your next billing cycle immediately following a change in the index published in the Wall Street Journal. The interest rate applied to your Account will increase if the Prime Rate increases.

See our Transparent Visa Card Agreement , our Platinum Rewards Visa Card Agreement or our Business Visa Card Agreement .

All loans are subject to credit approval. Home equity products available in NC, SC, TN, VA, FL, GA & OH only. Consult your tax advisor on the deductibility of interest.
(1) Advertised Annual Percentage Rate (APR) may change without notice.
(2) Home Equity Line of Credit is a variable rate loan and the APR is based on The Wall Street Journal Prime Rate and will vary based on your credit history, but will not go below the floor rate of 3.99%. The rate on home equity lines of credit tied to prime are adjusted the 1st day of the following month in which the prime rate change occurs. Maximum APR is 18.00%.
(3) Fixed rate may vary based on your credit history, term, and loan to home value. 6.88% APR minimum good on first lien position only. Loan range: $25,000 to $350,000. Terms to 180 months.
(4) Fixed rate may vary based on your credit history, term, and loan to home value. 8.21% minimum good on first or second lien position. Loan range: $10,000 to $350.000. Terms to 240 months. Contact us for additional details.

Boat loans include motor, trailer & accessories. Classic Cars are based on J.D. Power valuation classifications. All loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(2) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.

(1) Rates and terms are subject to change. All loans are subject to credit approval. For land-only loans, a 1% origination fee applies and cannot be financed into loan. Loan requires full title and full appraisal. Land must be undeveloped (no dwelling/house on property) - either raw land or in a recorded subdivision. Loan is subject to a 10-acre maximum. Must be for personal use (no commercial property). Property must perc (raw land only).
(2) Advertised Annual Percentage Rate (APR) may change without notice.

Savings and Checking rates are accurate as of November 13, 2023. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Account Terms and Deposit Account Agreement for more information about your accounts, dividends, fees and features.

(1) APY = Annual Percentage Yield. 
(2) The terms of the account, including any fees or features, may change. Fees may reduce earnings on this account. Premium Rate: To receive the premium interest rate an active checking account that meets monthly minimums of $1,500 in deposits and 10 withdrawals is required. The premium rate will be applied at the end of each month on balances up to $25,000. Non-Premium Rate: Interest rate will decrease for balances above $25,000. Base Rate: Interest rate applied if checking activity doesn't qualify. External deposits include: ACH (Direct Deposit), mobile & ATM deposits, checks deposited from a non-Truliant account, in-coming wire transfers. Withdrawals include: Debit card purchases (Point of Sale), checks, ATM, ACH, out-going wire transfers, withdrawal from a Truliant account to make a payment on a Truliant loan. Excluded transactions: internal transfers between Truliant deposit accounts and loan proceeds being deposited into your account from a Truliant loan.

Please see our Account Terms and Deposit Account Agreement for more information. A penalty may be imposed for early withdrawal.
(1) APY = Annual Percentage Yield.
(2) Not available for IRA certificates.
(3) Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days).
(4) You may increase your dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate.
(5) One penalty-free withdrawal per month after initial 60 days on deposit. Requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant. The 4.75% APY is applied when the balance meets or exceeds $5,000. If the balance falls below $5,000, the rate drops to 1.00% APY. Funds will roll over into a 6-month regular certificate upon maturity. Not available for business certificates.
(6) Penalty for early withdrawal. Requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant. For 25-month special funds will roll over into a 24-month regular certificate upon maturity. For 17-month special funds will roll over into a 18-month regular certificate upon maturity. For 11-month special funds will roll over into a 12-month regular certificate upon maturity. Not available for business certificates.

Money Market rates are accurate as of October 2, 2023. Money Market rates are subject to change weekly. Please see our Account Terms and Deposit Account Agreement for more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.
(2) The minimum deposit to open a Select Money Market or Select IRA Money Market is $1,000.

Business Savings and Checking rates are accurate as of July 1, 2021. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Account Terms and Business Deposit Account Agreement for more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.
(2) The Business Checking account $10 monthly maintenance fee is waived if you maintain a minimum daily balance of $2,500.

Business Money Market rates are subject to change weekly. All Certificate rates are fixed and will not be paid until maturity. A penalty may be imposed for early withdrawal. Certificate and Money Market rates are accurate as of October 2, 2023. Please see our Account Terms and Business Deposit Account Agreement for more information about dividends and your accounts.
(1) APY = Annual Percentage Yield.