Source: https://www.truliantfcu.org/rates
Read: 2026-10-22T10:08:56.000Z

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# Explore our interest rates and dividends.
## Move your current auto loan to Truliant and save.
Rates as low as 4.49% APR 1 .
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## New Auto Loan Rates
New Auto Loans
Model Year | Term of Loan a | APR b
2025 - Newer
2025 - Newer | 36 - 63 Months | 5.54% - 16.74%
64 - 75 Months | 5.94% - 17.24%
76 - 84 Months | 6.09% - 8.49%
85 - 96 Months | 7.29% - 8.49%
Apply Apply
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## Used Auto Loan Rates
Used Auto Loans
Model Year | Term of Loan a | APR b
2019 - 2024
2019 - 2024 | 36 - 63 Months | 5.99% - 17.24%
64 - 75 Months | 6.19% - 16.99%
76 - 84 Months | 6.59% - 7.99%
2016 - 2018
2016 - 2018 | 36 - 63 Months | 8.24% - 17.75%
64 - 75 Months | 8.69% - 9.59%
Apply Apply
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## Classic Car Loan Rates
Classic Car Loan Rates
Account Type | Term of Loan a | APR b
Classic Cars (20+ years old)
Classic Cars (20+ years old) | 73 - 84 Months | 11.99% - 14.49%
61 - 72 Months | 10.99% - 18.00%
36 - 60 Months | 10.49% - 18.00%
Apply Apply
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## Personal Loan & Line of Credit Rates
Lines of Credit
Account Type | Comments | APR a
Debt180 Debt Consolidation Loan
Debt180 Debt Consolidation Loan | $1,000 - $50,000, 6 - 84 Months. b Fixed Rate. | 8.24% - 18.00%
Personal Convenience Loan
Personal Convenience Loan | $1,000 - $50,000, 6 - 84 Months. b Fixed Rate. | 8.24% - 18.00%
Preferred Line of Credit /Overdraft Protection
Preferred Line of Credit /Overdraft Protection | $500 - $15,000. Variable rate. | 13.24% - 17.49%
Apply Personal Loan Apply Personal Loan Apply Preferred Line of Credit Apply Preferred Line of Credit
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## Credit Card Rates
Credit Cards
Account Type | Comments | APR a
MaxBack Cash Rewards Card
MaxBack Cash Rewards Card | Non-variable rate. Credit limit $5,000 - $30,000. | 17.99%
Radiant Card b
Radiant Card b | Variable rate. Credit limit $1,000 - $30,000. | 11.99% - 17.99%
Soar Secured Card
Soar Secured Card | Non-variable rate. Credit limit $1,000 - $5,000. | 17.99%
MaxBack Business Card b
MaxBack Business Card b | Variable rate. Credit limit $1,000 - $50,000. | 16.24% - 17.99%
Apply Apply
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## Home Equity Rates
Home Equity Loans & Lines
Account Type | Amount | APR a
Home Equity Line of Credit (Variable Rate) b
Home Equity Line of Credit (Variable Rate) b | $10,000 - $350,000 | 7.00% - 9.50%
Home Equity Loan - First Lien (Fixed Rate) c
Home Equity Loan - First Lien (Fixed Rate) c | $10,000 - $350,000 | 6.67% - 7.42%
Home Equity Loan - Second Lien (Fixed Rate) d
Home Equity Loan - Second Lien (Fixed Rate) d | $10,000 - $350,000 | 7.82% - 9.47%
Mortgage Buster - First Lien Home Equity Loan (Fixed Rate) e
Mortgage Buster - First Lien Home Equity Loan (Fixed Rate) e | $25,000 - $350,000 | 6.39% - 7.04%
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### Home Equity Lending Options:
Home Equity Line of Credit Home Equity Line of Credit Home Equity Loan Home Equity Loan Mortgage Buster Loan Mortgage Buster Loan
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## Mortgage Rates
Click to get personalized mortgage rates .
## Land & Lot Loan Rates
Land Loan
Account Type | Comments | APR a
Land or Lot Loan
Land or Lot Loan | $5,000 - $200,000. b 10-acre maximum. | 8.24% - 8.99%
Apply Apply
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## Boat and RV Loan Rates
RV and Boat Loans
Account Type | Term of Loan a | APR b
RV/Boats: New/Used
RV/Boats: New/Used | 36 - 60 Months | 10.49% - 18.00%
61 - 72 Months | 10.99% - 18.00%
73 - 84 Months | 11.99% - 14.49%
Long-Term RV/Boats: New/Used
Long-Term RV/Boats: New/Used | 85 - 144 Months | 12.49% - 14.99%
145 - 180 Months | 12.99% - 15.49%
Apply Boat Loan Apply Boat Loan Apply RV Loan Apply RV Loan
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## Motorcycle Loan Rates
Motorcycle Loan Rates
Account Type | Term of Loan a | APR b
Motorcycle: New/Used
Motorcycle: New/Used | 73 - 84 Months | 11.99% - 14.49%
36 - 60 Months | 10.49% - 18.00%
61 - 72 Months | 10.99% - 18.00%
Apply Apply
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## Checking Account Rates
Select Please Select Reserve Plus Banking ($500 minimum opening deposit required)
Checking Accounts
Account Type | APY a | Dividend | Minimum Balance
Reserve Plus Banking ($500 minimum opening deposit required)
Reserve Plus Banking ($500 minimum opening deposit required) | 0.05% | 0.05% | $0
Open Account Open Account
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## Savings Account Rates
Select Select High Yield Rewards Savings Membership Savings Regular Savings IRA Savings Rainy Day Savings Save Your Way Christmas Club Savings Vacation Club Savings
Savings Accounts
Account Type | APY a | Dividend | Minimum Balance
High Yield Rewards Savings b
High Yield Rewards Savings b | Premium Rate = 3.400% | 3.334% | Up to $25,000
Non-Premium Rate = 1.000% | 0.995% | Above $25,000
Base Rate = 0.100% | 0.100% | $0
Membership Savings
Membership Savings | 0.100% | 0.100% | $5
Regular Savings
Regular Savings | 0.100% | 0.100% | $0
IRA Savings
IRA Savings | 1.250% | 1.240% | $0
Rainy Day Savings
Rainy Day Savings | 0.150% | 0.150% | $0
Save Your Way
Save Your Way | 0.150% | 0.150% | $0
Christmas Club Savings
Christmas Club Savings | 0.100% | 0.100% | $0
Vacation Club Savings
Vacation Club Savings | 0.100% | 0.100% | $0
Open Account Open Account
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## Certificate and IRA Certificate Rates
Select Choose Term Length Limited-Time 12 Month Term (new external funds required) 3 Month Term 6 Month Term 12 Month Term 14 Month Term (one-time early withdrawal) 18 Month Term 24 Month Term 24 Month FLEX (with 1x rate increase option) 36 Month Term 48 Month Term 60 Month Term
Regular & IRA Certificates
Account Type | APY a | Dividend | Minimum Balance
Limited-Time 12 Month Term (new external funds required) e
Limited-Time 12 Month Term (new external funds required) e | 5.000% | 4.880% | $5,000
3 Month Term b
3 Month Term b | 2.340% | 2.322% | $250
2.400% | 2.372% | $5,000
2.450% | 2.422% | $25,000
2.500% | 2.472% | $100,000
6 Month Term
6 Month Term | 2.840% | 2.810% | $250
2.900% | 2.860% | $5,000
2.950% | 2.910% | $25,000
3.000% | 2.960% | $100,000
12 Month Term
12 Month Term | 2.990% | 2.955% | $250
3.050% | 3.005% | $5,000
3.100% | 3.055% | $25,000
3.150% | 3.105% | $100,000
14 Month Term (one-time early withdrawal) c
14 Month Term (one-time early withdrawal) c | 2.450% | 2.425% | $250
2.550% | 2.525% | $5,000
2.650% | 2.625% | $25,000
2.760% | 2.725% | $100,000
18 Month Term
18 Month Term | 3.040% | 3.004% | $250
3.100% | 3.054% | $5,000
3.150% | 3.104% | $25,000
3.200% | 3.154% | $100,000
24 Month Term
24 Month Term | 3.090% | 3.052% | $250
3.150% | 3.102% | $5,000
3.200% | 3.152% | $25,000
3.250% | 3.202% | $100,000
24 Month FLEX (with 1x rate increase option) d
24 Month FLEX (with 1x rate increase option) d | 2.920% | 2.887% | $250
2.980% | 2.937% | $5,000
3.030% | 2.987% | $25,000
3.080% | 3.037% | $100,000
36 Month Term
36 Month Term | 3.140% | 3.099% | $250
3.190% | 3.149% | $5,000
3.250% | 3.199% | $25,000
3.300% | 3.249% | $100,000
48 Month Term
48 Month Term | 3.190% | 3.149% | $250
3.250% | 3.199% | $5,000
3.300% | 3.249% | $25,000
3.350% | 3.299% | $100,000
60 Month Term
60 Month Term | 3.240% | 3.197% | $250
3.300% | 3.247% | $5,000
3.350% | 3.297% | $25,000
3.400% | 3.347% | $100,000
Schedule Appointment Schedule Appointment Open Online Open Online
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## Money Market Account Rates
Select Please Select Accelerate Money Market Special ($25,000 minimum opening deposit) Accelerate Money Market ($2,500 minimum opening deposit)
Amplify Money Market (Extended Deposit Insurance Account)
Money Market Accounts
Account Type | APY a | Dividend | Minimum Daily Balance Required
Accelerate Money Market Special ($25,000 minimum opening deposit) d
Accelerate Money Market Special ($25,000 minimum opening deposit) d | 3.800% | 3.730% | $25,000
Accelerate Money Market ($2,500 minimum opening deposit) b
Accelerate Money Market ($2,500 minimum opening deposit) b | 1.000% | 0.996% | $0
1.000% | 0.996% | $2,500
2.600% | 2.567% | $25,000
2.800% | 2.762% | $50,000
3.000% | 2.956% | $75,000
3.200% | 3.151% | $100,000
3.450% | 3.392% | $250,000
Amplify Money Market (Extended Deposit Insurance Account) c
Amplify Money Market (Extended Deposit Insurance Account) c | 3.250% | 3.199% | $250,000
Open Account Open Account
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## Business Checking and Savings Account Rates
Business Checking and Savings Accounts
Account Type | APY a | Dividend | Minimum Balance
Basic Business Checking ($100 minimum opening deposit required)
Basic Business Checking ($100 minimum opening deposit required) | 0.000% | 0.000% | $0
Business Checking ($2,500 minimum opening deposit required) b
Business Checking ($2,500 minimum opening deposit required) b | 0.050% | 0.050% | $0
0.100% | 0.100% | $100,000
Business Savings ($5 minimum opening deposit required)
Business Savings ($5 minimum opening deposit required) | 0.100% | 0.100% | $5
Schedule Appointment Schedule Appointment
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## Business Money Market and Certificate Rates
Select Please Select 3 Month Term 6 Month Term 12 Month Term 24 Month Term 36 Month Term Business Accelerate Money Market ($2,500 minimum opening deposit required)
Business Amplify Money Market (Extended Deposit Insurance Account)
Business Money Market and Certificates
Account Type | APY a | Dividend | Minimum Daily Balance Required
3 Month Term
3 Month Term | 2.340% | 2.322% | $250
2.400% | 2.372% | $5,000
2.450% | 2.422% | $25,000
2.500% | 2.472% | $100,000
6 Month Term
6 Month Term | 2.840% | 2.810% | $250
2.900% | 2.860% | $5,000
2.950% | 2.910% | $25,000
3.000% | 2.960% | $100,000
12 Month Term
12 Month Term | 2.990% | 2.955% | $250
3.050% | 3.005% | $5,000
3.100% | 3.055% | $25,000
3.150% | 3.105% | $100,000
24 Month Term
24 Month Term | 3.090% | 3.052% | $250
3.150% | 3.102% | $5,000
3.200% | 3.152% | $25,000
3.250% | 3.202% | $100,000
36 Month Term
36 Month Term | 3.140% | 3.099% | $250
3.190% | 3.149% | $5,000
3.250% | 3.199% | $25,000
3.300% | 3.249% | $100,000
Business Accelerate Money Market ($2,500 minimum opening deposit required) b
Business Accelerate Money Market ($2,500 minimum opening deposit required) b | 1.000% | 0.996% | $0
1.000% | 0.996% | $2,500
2.600% | 2.567% | $25,000
2.800% | 2.762% | $50,000
3.000% | 2.956% | $75,000
3.200% | 3.151% | $100,000
Business Amplify Money Market (Extended Deposit Insurance Account) c
Business Amplify Money Market (Extended Deposit Insurance Account) c | 3.250% | 3.199% | $250,000
Schedule Appointment Schedule Appointment
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1) APR=Annual Percentage Rate. The rate you qualify to receive may vary depending on your individual credit history. The maximum APR is 17.99%. This program does not apply to existing Truliant Federal Credit Union auto loans. The offer is good on 2019 to 2026 year models. The vehicle must be reporting on your credit for at least six months. The minimum loan amount for this offer is $5,000. Terms and conditions apply.
2) Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. Cannot be combined with other offers.
New Auto Loans
Loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 5.54% APR is $574.
(b) 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 5.29% minimum APR for new autos.
Used Auto Loans
Loans are subject to credit approval.
(a) The estimated monthly payment on a $20,000, 60-month loan at 5.99% APR is $387.
(b) 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 5.74% APR minimum for 2019-2024 models, and 7.99% minimum for 2016-2018 models.
Classic Car Loans
Classic Cars are based on J.D. Power valuation classifications. All loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(b) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
Personal Loans & Lines of Credit
Subject to credit approval.
(a) Advertised Annual Percentage Rate (APR) may change without notice.
(b) The estimated monthly payment for a $7,500, 48-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 13.44% APR is $203.
Credit Cards
Subject to credit approval.
(a) APR=Annual Percentage Rate
(b) Any change in the APR will be effective on the first day of the monthly billing cycle to reflect any change in the Prime Rate reflected in the Index published in the Wall Street Journal as of the last day of the prior billing cycle. The APR applied to your Account will increase if the Prime Rate increases. But the APR will never be greater than 18.00%. An initial Promotional APR may apply—see terms in the application.
Home Equity Loans and Lines of Credit
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.
(a) Advertised Annual Percentage Rate (APR) may change without notice.
(b) 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%.
(c) Available on first lien position only. Fixed rate may vary based on your credit history, term, and loan to home value. Loan range: $10,000 to $350,000. Terms from 120 to 240 months.
(d) Available on second lien position only. Fixed rate may vary based on your credit history, term, and loan to home value. Loan range: $10,000 to $350.000. Terms from 120 to 240 months.
(e) Available on first lien position only. Fixed rate may vary based on your credit history, term, and loan to home value. Loan range: $25,000 to $350,000. Terms from 120 to 180 months.
Land & Lot Loans
(a) Advertised Annual Percentage Rate (APR) may change without notice. Terms from 144 to 180 months. Available in FL, GA, NC, OH, SC, TN and VA only.
(b) 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).
Boat and RV Loans
Boat loans include motor, trailer & accessories. All loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(b) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
Motorcycle Loans
All loans are subject to credit approval.
(a) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(b) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.
Checking Accounts
Rates are subject to change monthly. Log in to online or mobile banking to see our Deposit Account Agreement for more information about your accounts, dividends, fees and features.
(a) APY = Annual Percentage Yield.
Essentials Plus Banking, SafeSpend Banking and Add-On Banking do not provide dividends.
Savings Accounts
Savings rates are accurate as of October 1, 2026. Rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Log in to online or mobile banking to see our Account Terms and Deposit Account Agreement for more information about your accounts, dividends, fees and features.
(a) APY = Annual Percentage Yield.
(b) 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 $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.
Certificates and IRA Certificates
Log in to online or mobile banking to see our Account Terms and Deposit Account Agreement for more information. A penalty may be imposed for early withdrawal.
(a) APY = Annual Percentage Yield.
(b) Not available for IRA certificates.
(c) Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days).
(d) 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.
(e) APY=Annual Percentage Yield. Limited-time offer. Penalty for early withdrawal. Special requires a minimum deposit of $5,000 of funds not currently on deposit at Truliant. Funds will roll over into an 12-month regular certificate upon maturity. Not available for business certificates.
Money Market Accounts
Money Market rates are subject to change weekly. Log in to online or mobile banking to see our Account Terms and Deposit Account Agreement for more information about dividends and your accounts.
(a) APY = Annual Percentage Yield.
(b) The minimum deposit to open an Accelerate Money Market is $2,500. A $10 monthly fee will be charged if the average monthly balance falls below $2,500. A $10 fee will be charged to each withdrawal over the allowable limit of six (6) withdrawals per month. Fees may reduce the earnings on the account. Not available on Business or IRA accounts.
(c) If the balance falls below $250,000, the account will be subject to our Accelerate Money Market account rates.
(d) To receive the 3.80% APY, the daily balance must remain at $25,000 or greater. If the minimum daily balance falls below $25,000, a 1.000% APY applies. The minimum deposit to open an Accelerate Money Market Special is $25,000. The initial $25,000 must be from funds not already on deposit at Truliant. After the initial $25,000, existing Truliant funds can be transferred. Rate is variable and may change after the account is opened. Rolls over to an Accelerate Money Market where standard tiered rates apply when the promotional rate expires. A $10 monthly fee will be charged if your average monthly balance falls below $2,500. A $10 fee will be charged to each withdrawal over the allowable limit of six (6) withdrawals per month. Fees may reduce the earnings on the account. Not available on Business or IRA accounts.
Business Checking and Savings Accounts
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. Log in to online or mobile banking to see our Account Terms and Business Deposit Account Agreement for more information about dividends and your accounts.
(a) APY = Annual Percentage Yield.
(b) The Business Checking account $10 monthly maintenance fee is waived if you maintain a minimum daily balance of $2,500.
Business Money Market and Certificates
Business Accelerate 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 for certificates. Log in to online or mobile banking to see our Account Terms and Business Deposit Account Agreement for more information about dividends and your accounts.
(a) APY = Annual Percentage Yield.
(b) The minimum deposit to open a Business Accelerate Money Market is $2,500. A $10 monthly fee will be charged if the average monthly balance falls below $2,500. A $10 fee will be charged to each withdrawal over the allowable limit of six (6) withdrawals per month. Fees may reduce the earnings on the account.
(c) If the balance falls below $250,000, the account will be subject to our Business Accelerate Money Market account rates.
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