Rates
TruMark Financial offers member-focused services and competitive rates aimed at helping you save more
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Checking
Account
Dividend Rate
APY1
Minimum Balance
Basic Checking
N/A
N/A
No Minimum
Plus Checking
0.05%
0.05%
Dividends paid monthly, only if $2,500 minimum daily balance requirement is met
Premium Checking
0.05%
0.05%
Dividends paid monthly, only if $5,000 minimum daily balance requirement is met
Smart Start Checking (26 and Under)
0.05%
0.05%
No Minimum
Savings
Balance Requirements
Dividend Rate
APY1
Minimum Balance
S1 Regular Savings2
0.09%
0.10%
$5.00
S2 Holiday Club
0.09%
0.10%
No Minimum
S3 Vacation Club
0.09%
0.10%
No Minimum
Basic Checking
N/A
N/A
No Minimum
Plus Checking
0.05%
0.05%
Dividends paid monthly, only if $2,500 minimum daily balance requirement is met
Premium Checking
0.05%
0.05%
Dividends paid monthly, only if $5,000 minimum daily balance requirement is met
Smart Start Checking 26 and under
0.05%
0.05%
No Minimum
Certificates
Account
Term
Dividend Rate
APY*
Minimum Opening Deposit
6-month Certificate1
6 Months
4.889%
5.000%
$500
9-month Certificate1
9 Months
4.650%
4.750%
$500
12-month Certificate
12 Months
4.650%
4.750%
$500
13-month Certificate
13 Months
4.650%
4.750%
$500
18-month Certificate
18 Months
4.410%
4.500%
$500
24-month Certificate
24 Months
4.410%
4.500%
$500
30-month Certificate
30 Months
4.410%
4.500%
$500
36 month Certificate
36 Months
4.169%
4.250%
$500
48-month Certificate
48 Months
3.928%
4.000%
$500
60-month Certificate
60 Months
3.928%
4.000%
$500
24-month Bump-Up Certificate3
24 Months
4.410%
4.500%
$500
48-month Bump-Up Certificate3
48 Months
3.928%
4.000%
$500
6-month Jumbo Certificate1
6 Months
4.937%
5.050%
$75,000+
9-month Jumbo Certificate1
9 Months
4.698%
4.800%
$75,000+
12-month Jumbo Certificate
12 Months
4.698%
4.800%
$75,000+
24-month Jumbo Certificate
24 Months
4.458%
4.550%
$75,000+
30-month Jumbo Certificate
30 Months
4.458%
4.550%
$75,000+
36-month Jumbo Certificate
36 Months
4.218%
4.300%
$75,000+
48-month Jumbo Certificate
48 Months
3.977%
4.050%
$75,000+
60-month Jumbo Certificate
60 Months
3.977%
4.050%
$75,000+
IRAs
Account
Term
Dividend Rate
APY*
Minimum Opening Deposit
6-month Fixed-Rate IRA Only1
6 Months
4.889%
5.000%
$500
9-month Fixed-Rate IRA Only1
9 Months
4.650%
4.750%
$500
12-month Fixed-Rate IRA Only
12 Months
4.650%
4.750%
$500
13-month Fixed-Rate IRA Only2
13 Months
4.650%
4.750%
$500
15-month Fixed-Rate IRA Only
15 Months
4.410%
4.500%
$500
18-month Fixed-Rate IRA Only
18 Months
4.410%
4.500%
$500
24-month Fixed-Rate IRA Only
24 Months
4.410%
4.500%
$500
30-month Fixed-Rate IRA Only
30 Months
4.410%
4.500%
$500
36-month Fixed-Rate IRA Only
36 Months
4.169%
4.250%
$500
48-month Fixed-Rate IRA Only
48 Months
3.928%
4.000%
$500
60-month Fixed-Rate IRA Only
60 Months
3.928%
4.000%
$500
24-month Bump-Up IRA3
24 Months
4.410%
4.500%
$500
48-month Bump-Up IRA3
48 Months
3.928%
4.000%
$500
Variable Rate IRA4
–
0.09%
0.10%
No Minimum
Money Market Accounts
Account
Account Balance
Dividend Rate
APY1
S8 Maximizer2 – $2,500-$9,999.99
$2,500-$9,999.99
0.74%
0.75%
S8 Maximizer2 – $10,000-$24,999.99
$10,000-$24,999.99
0.74%
0.75%
S8 Maximizer2 – $25,000-$74,999.99
$25,000-$74,999.99
0.99%
1.00%
S8 Maximizer2 – $75,000-$99,999.99
$75,000-$99,999.99
0.99%
1.00%
S8 Maximizer2 – $100,000-$249,999.99
$100,000-$249,999.99
1.49%
1.50%
S8 Maximizer2 – $250,000+
$250,000+
1.49%
1.50%
S8 Maximizer Special2 – $10,000+
$10,000+
3.44%
3.50%
IRA1 – $2,500-$9,999
$2,500-$9,999
0.74%
0.75%
IRA1 – $10,000-$24,999.99
$10,000-$24,999.99
0.74%
0.75%
IRA1 – $25,000-$74,999.99
$25,000-$74,999.99
0.99%
1.00%
IRA1 – $75,000-$99,999.99
$75,000-$99,999.99
0.99%
1.00%
IRA1 – $100,000-$249,999.99
$100,000-$249,999.99
1.49%
1.50%
IRA1 – $250,000+
$250,000+
1.49%
1.50%
Credit Cards and Convenience Lines of Credit
Classic Visa® Credit Card
11.24%
Rewards Visa® Credit Card
14.24%
Smart Start Rewards Visa®
14.24%
Share Secured Rewards Visa® Credit Card**
17.99%
Convenience Line of Credit***
12.99%
Secured and Signature Loan Rates
Account
Term
APR As Low As1
Term-Share Secured Loan
6 Months to 60 Months
6.25%
Share-Secured Loan
6 Months to 120 Months
1.80%
Unsecured-Installment Signature Loans2
12-60 Months $1,000 to $25,000
10.49%
Better Choice
3 months
18.00%
First Credit Loan
12-60 Months $1,000 to $10,000
6.25%
Stock Loans to 75% of Value
Less than 36 Months
8.49%
Stock Loans to 75% of Value
37 Months to 60 Months
8.99%
Stock Loans to 75% of Value
More than 60 Months
9.49%
HELoC Select
Account
Loan Amounts
APR As Low As *
HELoC Select – Primary
$5,000 – $500,000
7.74%
HELoC Select – Vacation or Secondary
$5,000 – $200,000
7.74%
HELoC Select – Primary
$5,000 – $200,000
8.74%**
HELoC Select – Investment Properties
$5,000 – $49,999
8.99%
Fixed Rate Home Equity Loan
Account
Loan Amounts
APR As Low As*
60 Months Fixed
$5,000 – $500,000
6.49%
84 Months Fixed
$5,000 – $500,000
6.99%
120 Months Fixed
$5,000 – $500,000
7.24%
180 Months Fixed
$5,000 – $500,000
7.49%
240 Months Fixed
$5,000 – $500,000
8.74%
Auto Loans
Account
APR As Low As1
Term
2025 – 2022
6.59%
Up to 63 Months
2025 – 2022
6.84%
64 – 75 Months
2025 – 2022
7.34%
76 – 84 Months
2021 – 2020
6.84%
Up to 63 Months
2021 – 2020
7.09%
64 – 75 Months
2021 – 2020
7.34%
76 – 84 Months
2019 – 2016
7.24%
Up to 63 Months
2019 – 2016
7.59%
64 – 72 Months
Boat Loans
Account
APR As Low As1
Term
Boat2
7.74%
12 – 84 Months