Rates-Loan
Loan Rates                 

Vehicle Loans

Rates Effective: 7/18/16
AccountLoan TermAPR As Low As (1)
New Auto - 2016 and newer12 - 84 Months2.19%
Used Auto - 2013 - 2016*12 - 84 Months2.19%
Used Auto - 2009 - 2012**12 - 72 Months3.99%
Used Auto - 2008 and older12 - 60 Months9.99%
Boat (2)12 - 84 Months7.50%
RV (2)12 - 120 Months7.50%
Motorcycle (2)12 - 72 Months7.50%

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 135% financing of the NADA average retail price including tax, title, and tag for its used auto loans.
 
*Maximum term for 2013 - 2014 used auto loans is 72 months.

*Maximum term for 2009 - 2010 used auto loans is 60 months.

(1) Annual 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 Loans

Rates Effective: 7/18/16
AccountLoan AmountsAPR as Low as
60 Months Fixed (1)$5,000 - $300,0003.24%
84 Months Fixed (1)$5,000 - $300,0003.77%
120 Months Fixed (1)$5,000 - $300,0003.99%
180 Months Fixed (1)$5,000 - $300,0004.74%
240 Months Fixed (1)$5,000 - $300,0005.24%
Revolving Home Equity Line of Credit (4)Introductory rate for six months ($5,000+) Variable rates as low as 3.24% thereafter1.99%
Revolving Home Equity Line of Credit (2)$5,000 - $300,0003.24%
Revolving Home Equity Line of Credit (3)$5,000 - $200,0003.74%

(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.

(2) HELOC 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 based on the loan amount requested, creditworthiness, 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 3.24%. 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 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 based on the loan amount requested, creditworthiness, 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 3.24%. 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) effective as of date shown, applies to minimum line amount of $75,000, is subject to change without notice, and applies to a loan to value (LTV) ratio of 80% for primary residence. 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. Rate includes a 0.25% relationship discount. New Accounts only.

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 3.24%, 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. 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

 

Student Loans

Click on our partnership link with Student Choice

 

Credit Cards and Convenience Line of Credit

Rates Effective: 7/18/16
AccountAPR as Low as (1)Term
Rewards Visa Credit Card (2)1.99%Introductory rate for the first six months. Variable rates as low as 9.24% thereafter. (3)
Cash Back Visa1.99%Introductory rate for the first six months. Variable rates as low as 11.24% thereafter. (3)
Signature Visa11.24%
Smart Start Rewards Visa1.99%Introductory rate for the first six months. Variable rates as low as 9.24% thereafter. (3)
Share Secured Rewards Visa Credit Card (3)13.24%
Convenience Line of Credit (4)9.99%

(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 six months, rates as low as 9.24% APR thereafter. Click here for full disclosure.

(3) 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.

(4) 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 Loans

Rates Effective: 7/18/16
AccountTermAPR as Low as (1)
Term-Share Secured Loan6 Months to 60 Months3.50%
Share-Secured Loan6 Months to 120 Months1.80%
Unsecured-Installment Signature Loans12-60 Months $5,000 to $25,0009.99%
Better Choice (2)3 months18.00%
Stock Loans to 75% of ValueLess than 36 Months8.49%
Stock Loans to 75% of ValueLess than 60 Months8.99%
Stock Loans to 75% of ValueMore than 60 Months9.49%

(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.