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Auto Loan Rates
Rates Effective: 1/30/2019
| Account | APR As Low As 1 | Term | Calculate Your Payments |
|---|---|---|---|
| New Auto – 2019 -2020 | 3.24% | 12 – 59 Months |  |
| New Auto – 2019 -2020 | 3.49% | 60 – 71 Months | |
| New Auto – 2019 -2020 | 3.99% | 72 – 83 Months | |
| New Auto – 2019 -2020 | 4.49% | 84 Months | |
| Used Auto – 2018 | 3.74% | 12 – 71 Months | |
| Used Auto – 2018 | 3.99% | 72 – 83 Months | |
| Used Auto – 2018 | 4.49% | 84 Months | |
| Used Auto – 2016 – 2017* | 3.74% | 12 – 59 Months | |
| Used Auto – 2016 – 2017* | 3.99% | 60 – 72 Months | |
| Used Auto – 2012 – 2015* | 4.50% | 12 – 72 Months | |
| Used Auto – 2011 and older | 8.99% | 12 – 60 Months | |
| Boat (2) | 7.50% | 12 – 84 Months | |
| RV (2) | 7.50% | 12 – 120 Months | |
| Motorcycle (2) | 7.50% | 12 – 72 Months |
TruMark Financial offers up to 135% financing of the Bill of Sale purchase price including tax, title, tag, and any loan balance on your trade-in for its new auto loans and 130% financing of the NADA average retail price including tax, title, and tag for its used auto loans. *Maximum term for 2014 – 2016 used auto loans is 72 months. **Maximum term for 2012 – 2013 used auto loans is 60 months. All commercial vehicles or vehicles used for commercial purposes must be directed to the Commercial Lending Department. We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us. 1Annual Percentage Rates (APRs) effective as of date shown and is subject to change without notice. Actual APR depends on applicant’s creditworthiness. Other loan plans, rates, and terms may be available. Older vehicle years/terms and rates also may be available. APRs reflect a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, APR is 0.25% higher. (2) Up to 90% financing of the NADA book value. Call 1-877-TRUMARK for further details. Equal Opportunity Lender.
Home Equity Loan Rates
Rates Effective: 1/30/2019
| Account | Loan Amounts | APR As Low As | Calculate Your Payments |
|---|---|---|---|
| 60 Months Fixed (1) | $5,000 – $300,000 | 3.99% | |
| 84 Months Fixed (1) | $5,000 – $300,000 | 4.49% | |
| 120 Months Fixed (1) | $5,000 – $300,000 | 4.49% | |
| 180 Months Fixed (1) | $5,000 – $300,000 | 4.99% | |
| 240 Months Fixed (1) | $5,000 – $300,000 | 5.74% | |
(1) Annual Percentage Rate (APR) effective as of date shown, is subject to change without notice, and applies to loan-to-value (LTV) ratio of up to 80% and a loan amount of $5,000 to 300,000. APR may vary depending on creditworthiness, loan amount, and loan-to-value. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate 0.25% higher. Product not eligible for first lien mortgage in flood zone.
Home Equity Lines of Credit
Rates Effective: 1/2/2019
| Account | Loan Amounts | APR As Low As | Calculate Your Payments |
|---|---|---|---|
| HELoC Select – Primary (4) | Introductory rate for six months. Variable rates as low as 4.49% thereafter | 2.24% | |
| HELoC Select – Vacation or Secondary (2) | $5,000 – $300,000 | 4.74% | |
| HELoC Select – Primary (3) | $5,000 – $200,000 | 5.49% | |
| HELoC Select – Investment Properties (5) | $5,000 – $49,999 | 5.74% | |
(2) HELoC Select rate based on the highest The Wall Street Journal’s published prime rate and is adjusted on a monthly basis. Annual Percentage Rate (APR) may vary depending upon amount financed, credit score, lien position, and collateral location and applies to a loan-to-value (LTV) ratio of up to 80%. Rates are subject to change, increasing when the prime rate increases, decreasing when the prime rate decreases. Maximum APR is 18% and the rate floor is 4.49%. The minimum monthly payment is $50. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate 0.25% higher. Rates vary by loan amounts.
(3) HELoC Select rate based on the highest The Wall Street Journal’s published prime rate and is adjusted on a monthly basis. Annual Percentage Rate (APR) may vary depending upon amount financed, credit score, lien position, and collateral location and applies to a loan-to-value (LTV) ratio of 81% – 90%. Rates are subject to change, increasing when the prime rate increases, decreasing when the prime rate decreases. Maximum APR is 18% and the rate floor is 4.49%. The minimum monthly payment is $50. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate 0.25% higher. Rates vary by loan amounts.
(4) Annual Percentage Rate (APR) accurate as of 1/2/19, applies to minimum line amount of $5,000, is subject to change without notice, and applies to a loan-to-value (LTV) ratio of 80% for primary residence. Rates vary depending upon amount financed, credit score, lien position, and collateral. Minimum APR is 4.49% (prime rate minus 0.76% minus an additional 0.25% for automatic payment from checking account), maximum APR is 18%. Introductory rate will be in effect for six (6) billing cycles from credit line open date. After the introductory discount period expires, the variable APR is effective for the life of the line. Rates reflect a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, APR is 0.25% higher. Property and/or flood insurance is required. APR is variable based on the highest Prime Rate published in The Wall Street Journal and is adjusted on a monthly basis. As of 12/19/18 the Prime Rate was 5.50%. All loans/lines of credit are subject to approval and collateral evaluation. $100 origination fee will apply. Fees and charges may apply. Additional restrictions, limitations, and exclusions may apply. You may elect to “lock in” or convert a portion of your variable-rate outstanding balance to a fixed APR over a set term. You may select the term of your lock feature from terms provided to you at the time you exercise this option. Offered rate will be based upon borrower’s creditworthiness and term selected. The minimum amount that may be locked in is $5,000. The minimum term of the lock feature is five years and the maximum term of the lock feature is 20 years. Please call TruMark Financial at 1-877-TRUMARK for further details. NMLS 404938
(5) HELoC Select rate based on the highest The Wall Street Journal’s published prime rate and is adjusted on a monthly basis. Annual Percentage Rate (APR) may vary depending upon amount financed, credit score, lien position, and collateral location, and applies to a loan-to-value (LTV) ratio of up to 80%. Rates are subject to change, increasing when the prime rate increases, decreasing when the prime rate decreases. Maximum APR is 18% and the rate floor is 4.49%. The minimum monthly payment is $50. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate 0.25% higher. Rate for investment property only. Rates vary by loan amounts.
Available on 1-4 family primary or secondary residences. Property and/or flood insurance is required.
Annual Percentage Rate (APR) is variable based on the highest Wall Street Journal published Prime Rate and is adjusted on a monthly basis. A TruMark Financial checking account is required for 0.25% discount. Rates vary depending upon amount financed, credit score, lien position and collateral location. Minimum APR is 4.49%, with automatic payment discount, maximum APR is 18%.
All loans and lines of credit are subject to approval and collateral evaluation. Fees and charges may apply. You may elect to “lock in” or convert a portion of your variable-rate outstanding balance to a fixed APR over a set term. You may select the term of your lock feature from terms provided to you at the time you exercise this option. Offered rate will be based upon borrower’s creditworthiness and term selected. The minimum amount that may be locked in is $5,000. The minimum term of the lock feature is five years and the maximum term of the lock feature is 20 years.Additional restrictions, limitations and exclusions may apply, offer subject to change, please contact a TruMark Financial Representative at 1-877-TRUMARK for further details and current rates.
The combined loan-to-value ratio is the sum of the balance outstanding on your first mortgage, if any, and the amount of your new home equity loan or credit line divided by the fair market value of your home. Loan over $300,000 require title insurance. Property must have a clean title and adequate appraisal to qualify. Per membership eligibility, you must maintain $5 in a savings account to utilize the credit union’s services.
The rate(s) shown are the lowest available for each of terms listed. The rate you receive will be determined by your credit worthiness at the time of application and the term of your loan. Loan subject to credit approval. Additional terms and rates available. Rates shown are for primary residences only. Please call 1-877-TRUMARK for further details. Equal Opportunity Lender. NMLS 404938
Mortgage Rates
Click here to view all mortgage rates
| Term | Rate | APR | Calculate Your Payments |
|---|---|---|---|
| 30-Year Fixed Rate | 4.250%1 | 4.282%1 | |
| 15-Year Fixed Rate | 3.750%2 | 3.805%2 | |
| 7/1 Adjustable Rate | 3.750%3 | 4.4943 | |
1The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $250,000 and an estimated property value of $312,500. The property is located in Bucks county, PA. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 4.250% interest rate, the APR for this loan type is 4.282%. The monthly payment schedule would be:
- 359 payments of $1,106.86 at an interest rate of 4.250%
- 1 payment of $1,108.65 at an interest rate of 4.250%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
2The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $250,000 and an estimated property value of $312,500. The property is located in Bucks county, PA. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 3.750% interest rate, the APR for this loan type is 3.805%. The monthly payment schedule would be:
- 179 payments of $1,636.25 at an interest rate of 3.750%
- 1 payment of $1,636.29 at an interest rate of 3.750%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
3The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $250,000 and an estimated property value of $312,500. The property is located in Bucks county, PA. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 3.750% initial interest rate, the APR for this loan type is 4.494%, subject to increase. Based on current market conditions, the monthly payment schedule would be:
- 84 payments of $1,042.01 at an interest rate of 3.750%
- 275 payments of $1,188.84 at an interest rate of 5.125%
- 1 payment of $1,189.04 at an interest rate of 5.125%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
Credit Cards and Convenience Line of Credit Rates
Rates Effective: 1/2/2019
1 Annual Percentage Rate (APR) effective for date shown and subject to change without notice. The maximum combined credit limit for all unsecured credit with TruMark Financial is $35,000. Other loan plans, better rates, and terms may be available.
2 Rates are based on creditworthiness and subject to change without notice. 1.99% APR for the first seven months, rates as low as 11.24% APR thereafter. Click here for full disclosure. Introductory rate not applicable to current TruMark Financial Visa credit cardholders.
3 Rates are based on creditworthiness and subject to change without notice. 0.76% APR for the first six months, rates as low as 11.24% APR thereafter. Click here for full disclosure. Introductory rate not applicable to current TruMark Financial Visa credit cardholders.
4 No annual fee. The rate is variable, will be adjusted monthly, and is the sum of an index plus a margin based on applicants creditworthiness. In addition to interest, other charges may apply. 28-day grace period after close of billing cycle before interest accrues on purchases; otherwise, finances charges will accrue on the date purchases are posted to your account. Finance charges accrue on the day of transaction for cash advances. Finance charges accrue on the day of transaction for cash advances. In addition to interest other charges may apply. Click here for full disclosure.
5 Depending on the applicant’s creditworthiness, the CLC’s rate may be as low as the highest Wall Street Journal’s published prime rate + 6.74% or as high as the highest Wall Street Journal’s published prime rate + 11.00%. Rates are subject to change, increasing when prime rate increases, decreasing when prime rate decreases. The minimum monthly payment will be the greater of either $50 or 1/60 of the principal loan balance outstanding. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate 0.25% higher.
Call 1-877-TRUMARK for further details. Equal opportunity lender.
Secured and Signature Loan Rates
Rates Effective: 1/2/2019
| Account | Term | APR As Low As 1 | Calculate Your Payments |
|---|---|---|---|
| Term-Share Secured Loan | 6 Months to 60 Months | 3.75% | |
| Share-Secured Loan | 6 Months to 120 Months | 1.80% | |
| Unsecured-Installment Signature Loans | 12-60 Months $5,000 to $25,000 | 8.99% | |
| Better Choice 2 | 3 months | 18.00% | |
| Stock Loans to 75% of Value | Less than 36 Months | 8.49% | |
| Stock Loans to 75% of Value | Less than 60 Months | 8.99% | |
| Stock Loans to 75% of Value | More than 60 Months | 9.49% |
1 Annual Percentage Rate (APR) is effective for date shown. Actual APR depends on applicant’s creditworthiness. Other loan plans, better rates, and terms may be available. APRs reflect a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, APR is 0.25% higher.
2 Annual Percentage Rate (APR) is effective for the date shown. Loan requires a $20.00 application fee (may be added to loan principal). Minimum loan request is $100.00 – maximum is $500.00. 90 day re-payment period with flexible monthly, bi-weekly or weekly payments. Payments will be adjusted to include an additional 10% of the loan request to establish a mandatory saving plan.
Call 1-877-TRUMARK for further details. Equal opportunity lender.
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