Rates TruMark Financial Credit Union

Loan Rates


Vehicle Loans

Effective 4/21/2014

AccountLoan TermAPR As Low As (1)
New Auto - 2014, 201312 - 60 Months2.19%
New Auto - 2014, 201372 Months2.49%
New Auto - 2014, 2013 (3)84 Months3.49%
Used Auto - 201312 - 60 Months2.34%
Used Auto - 201372 Months2.64%
Used Auto - 2013 (3)84 Months3.74%
Used Auto - 201212 - 60 Months2.44%
Used Auto - 201272 Months3.09%
Used Auto - 201112 - 60 Months2.59%
Used Auto - 201172 Months3.34%
Used Auto - 201012 - 48 Months3.34%
Used Auto - 201060 - 72 Months3.84%
Used Auto - 200912 - 48 Months3.49%
Used Auto - 200960 - 72 Months3.99%
Boat (2)84 Months7.50%
RV (2)120 Months7.50%
Motorcycle (2)72 Months7.50%

TruMark Financial offers 100% financing of the Bill of Sale purchase price for its new auto loans and 100% financing of the NADA average retail price for its used auto loans plus taxes and tags.

(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, 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. APR reflects loan amount over $25,000. If loan amount is less than $25,000, add additional 0.25%.

(2) Up to 90% financing of the NADA book value. Call 1-877-TRUMARK for further details. Equal opportunity lender.

(3) Minimum loan amount of $12,000 for 84 month term.

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Home Equity Loans

Effective 4/21/2014

AccountLoan AmountsAPR as Low as
60 Months Fixed First Lien Position (1)$5,000 - $300,0003.24%
84 Months Fixed First Lien Position (1)$5,000 - $300,0003.99%
120 Months Fixed First Lien Position (1)$5,000 - $300,0003.49%
180 Months Fixed First Lien Position (1)$5,000 - $300,0004.74%
240 Months Fixed First Lien Position (1)$5,000 - $300,0004.91%
Revolving Home Equity Line of Credit (4)Introductory rate for six months ($5,000+) Variable rates as low as 2.99% thereafter1.99%
Revolving Home Equity Line of Credit (2)$5,000 - $300,0002.99%
Revolving Home Equity Line of Credit (3)$5,000 - $200,0003.49%

(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% in the first lien position and a loan amount of $75,000 to 300,000.  APR may vary depending on creditworthiness, loan amount, and loan-to-value. Rate reflects a .25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate .25% higher.

(2) HELOC rate based on the highest 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 .25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate .25% higher. Rates vary by loan amounts.

(3) HELOC rate based on the highest 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 .25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate .25% higher. Rates vary by loan amounts.

(4) Annual Percentage Rate (APR). The introductory rate is effective as of date shown applies to line amounts of $75,000 or more, is subject to change without notice, and applies to a loan-to-value (LTV) ratio up to 80% for primary residence. Introductory rate will be in effect for six (6) months from the credit line open date. After the introductory discount period expires, the variable Annual Percentage Rate is effective. Annual Percentage Rate(s) (APR) may vary depending on creditworthiness. Member subject to verification of income. Rates will be 0.25% higher without the loan payment being automatically transferred from a TruMark Financial checking account. Rate shown is based on the highest The Wall Street Journal published prime rate and is adjusted on a monthly basis. Rates are subject to change, increasing when the prime rate increases, decreasing when the prime rate decreases. Minimum APR is 2.99% with automatic payment discount, maximum APR is 18%. To calculate the combined loan-to-value ratio, it is the sum of the balance outstanding on your first mortgage, if any, and the amount of your new home equity credit line divided by the fair market value of your home. Other rates are available.

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.  Member must be subject to verification of income and creditworthiness and carry adequate property and flood hazard insurance (if required) on home securing the loan.  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 toll-free 1-877-TRUMARK for further details.

 Equal Opportunity Lender.

 

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Student Loans

Click on our partnership link with Student Choice

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Credit Cards and Convenience Line of Credit

Effective 4/21/2014

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 8.99% thereafter. (3)
Cash Back Visa10.99%
Signature Visa10.99%
Share Secured Rewards Visa Credit Card (3)12.99%
Convenience Line of Credit (4)9.74%

(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 8.99% 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 + 7.00% 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 .25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, rate .25% higher.

Call 1-877-TRUMARK for further details. Equal opportunity lender.

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Secured and Signature Loans

Effective 04/21/2014

AccountTermAPR as Low as (1)
Term-Share Secured Loan6 Months to 60 Months3.50%
Share-Secured Loan6 Months to 120 Months1.80%
Unsecured-Installment Snap Signature Loan12-60 Months $500 to $5,0008.75%
Unsecured-Installment Signature Loans12-60 Months $5,001 to $9,9998.75%
Unsecured-Installment Signature Loans12-60 Months $10,000 to $25,0007.75%
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.

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