Loans
True Personal Loans
True Vehicle Loans
True Mortgage Loans
True Home Equity Loans
Loan Rates
True Personal Loans
True Personal Loans
You can get a low-interest loan for just about any reason. Based on your credit history and financial situation, we can help you get a loan when needed.
- Vacations
- Holidays
- Emergencies
True Vehicle Loans
True Vehicle Loans
Enjoy the same low rate on new, pre-owned, and refinanced vehicles (cars, trucks and SUVs) with less than 60,000 miles and less than six years old. That's a financing program you won't find at traditional banks. Plus you can get a competitive loan on RVs, boats and motorcycles.
- Get a pre-approval for more bargaining power
- Take advantage of WebCarBook, a free service that provides sticker price,
invoice price, cost for options, and NADA book value
- Ask your Member Service Representative for
current rates
- Apply in person, by phone, or online with NetBranch
True Mortgage Loans
Adjustable Rate Mortgage (ARM)
Generally, ARMs have lower initial rates than fixed rate mortgages and rates are subject to change according to a specific schedule of events. We charge a 1% origination fee to underwrite and process your loan request. Private Mortgage Insurance is not required unless you borrow more than 90% loan to value. Our ARM rates cannot change more than 8% up or down over the life of the loan.
Two-year ARM
- Initial rate and payments fixed for two years
- Rate cannot change more than 1% every two years
Five/One ARM
- Initial rate and payments fixed for the first five years
- After five years, rate cannot change more than 1% each year
103% Adjustable Rate Mortgage
For those who seek limited out-of-pocket expense when buying a home, we offer the 103% ARM. We can finance 100% of your purchase price, plus closing costs up to 3% of the loan amount.
Two-year 103% ARM
- Initial rate and payments fixed for two years
- Rate cannot change more than 1% every two years
Five/One 103% ARM
- Initial rate and payments fixed for the first five years
- After five years, rate cannot change more than 1% each year
Fixed Rate Mortgage
Choose a term of 15 or 30 years and apply through us for a competitive fixed rate mortgage. A fixed rate may make sense when rates are low and you expect to stay in your home more than seven years. Mortgages up to 100% loan to value are available.
True Home Equity Loans
True Home Equity Loans
Home Equity Line Of Credit
By using the equity in your home, you may qualify for a line of credit. Our Home Equity Line of Credit allows you to draw the loan funds as needed - for home improvements, college education, vacations, emergencies - you decide. Once your line of credit is established, we deposit funds automatically to your account, and your next advance is a phone call away. Under current tax law (depending on your specific situation) you may be allowed to deduct the interest paid on your taxes. We offer a number of advantages you won't find at most financial institutions.
- No annual fee
- We pay most typical closing costs
- 15-year draw period
- We can approve a line of credit up to 100% of the value of your home
Second Mortgage
Second mortgages are also available. Based on the equity in your home, borrow a lump sump of money and pay the loan off in fixed payments at a fixed interest rate over the life of your loan.
