Rates
Investment Certificate
| Term | Minimum Balance* | APY** |
|---|---|---|
| 6 - Month | $500 | 2.50% |
| 12 - Month | $500 | 3.25% |
| 24 - Month | $500 | 3.50% |
| 36 - Month | $500 | 3.50% |
| 60 - Month | $500 | 4.00% |
Money Market
| Minimum Balance† | Term | APY** |
|---|---|---|
| $0 - $9,999 | N/A | 0.10% |
| $10,000 - $24,999 | N/A | 0.75% |
| $25,000 - $49,999 | N/A | 1.00% |
| $50,000 - $99,999 | N/A | 1.25% |
| $100,000 - and over | N/A | 1.25% |
IRA CD
| Term | Minimum Balance* | APY** |
|---|---|---|
| 6 - Month | $500 | 2.50% |
| 12 - Month | $500 | 3.25% |
| 24 - Month | $500 | 3.50% |
| 36 - Month | $500 | 3.50% |
| 60 - Month | $500 | 4.00% |
Certificate/Money Market Disclosures
Rates effective as of December 1, 2022.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.
Click here to view the most current dividend rate and investment certificate disclosures.
Click here to view the most current consumer fee schedule.
Mortgage
| Type | Rate |
|---|---|
| Mortgage | View Rates |
Home Equity
| Type | Rate |
|---|---|
| Home Equity | View Rates |
New/Used Auto
| Terms (Months) | APR* |
|---|---|
| 49 - 63 | 6.37% - 18.03% |
| 64 - 75 | 6.83% - 11.75% |
| 76 - 84 | 7.43% - 12.00% |
*Rates after 0.25% discount
New/Used Motorcycle
| Terms (Months) | APR* |
|---|---|
| 0 - 60 | 8.00% - 9.60% |
| 61 - 72 | 8.50% - 10.10% |
New Marine and Personal Watercraft
| Terms (months) | APR* |
|---|---|
| 0 - 84 | 10.50% - 12.00% |
| 85 - 120 | 8.00% - 10.75% |
Used Marine and Personal Watercraft
| Terms (months) | APR* |
|---|---|
| 0 - 84 | 11.00% - 12.50% |
| 85 - 120 | 8.50% - 11.25% |
New Quad
| Term (months) | APR* |
|---|---|
| 0 - 60 | 8.50% - 14.50% |
Used Quad
| Term (months) | APR* |
|---|---|
| 0 - 60 | 8.50% - 15.00% |
New Recreational Vehicle
| Term (Months) | APR* |
|---|---|
| 0 - 60 | 9.24% - 10.00% |
| 61 - 84 | 7.24% - 8.00% |
| 85 - 144 | 4.49% - 5.00% |
| 145 - 180 | 4.24% - 5.00% |
Used Recreational Vehicle
| Terms (Months) | APR* |
|---|---|
| 0 - 60 | 9.74% - 10.50% |
| 61 - 84 | 7.74% - 8.50% |
| 85 - 144 | 4.99% - 5.50% |
| 145 - 180 | 4.74% - 5.50% |
Auto Disclosures
*APR=Annual Percentage Rate. On approved credit and up to 18.03% financing on New/Used Auto purchases and refinances from another institution, for a maximum 84-month term, and includes a 0.25% discount for auto transfer payment (Auto Transfer Payment). Rate subject to increase if Auto Transfer Payment is discontinued. As an example, monthly payments at 7.43% APR for an 84-month term are estimated at $15.30 per $1,000 borrowed. “New Auto” means the current and prior model year with less than 30,000 miles. “Used Auto” means the current and prior model year with 30,000 or more miles, and any earlier (older) model regardless of mileage. This offer may be valid for private party (person to person) purchases. Subject to change. Rates effective as of November 23rd, 2022.
High Yield Checking
| Minimum Balance | Term | APY** |
|---|---|---|
| $0 - $10,000† | N/A | 3.00% |
| $10,000+† | N/A | 0.05% |
| $0 - No Max | N/A | 0.05% |
†When rewards checking requirements are met
Cash Back Checking
| Minimum Balance* | Term | APY** |
|---|---|---|
| $0.00 | N/A | 0.05% |
Simply Checking
| Minimum Balance* | Term | APY** |
|---|---|---|
| $0.00 | N/A | 0.00% |
Share Savings
| Minimum Balance* | Term | APY** |
|---|---|---|
| $5+ | N/A | 0.10% |
Youth Savings
| Minimum Balance* | Term | APY** |
|---|---|---|
| $5+ | N/A | 0.05% |
Select Savings
| Minimum Balance* | Term | APY** |
|---|---|---|
| $0 | N/A | 0.05% |
IRA Savings
| Minimum Balance* | Term | APY** |
|---|---|---|
| N/A | N/A | 0.75% |
Christmas Club
| Minimum Balance* | Term | APY** |
|---|---|---|
| N/A | N/A | 0.15% |
Savings/Checking Disclosures
Rates effective as of December 1, 2022
Click here to view the most current consumer fee schedule.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.
Credit Cards
| Type | APR* |
|---|---|
| Visa Signature | 10.90% - 11.90% |
| Visa Platinum | 8.95% - 22.95% |
| Visa Platinum Points | 10.90% - 17.90% |
*APR = Annual Percentage Rate. Must be a TruWest member with a minimum deposit of $5 to qualify. Requires application and is subject to credit approval. The APR may vary. APR is based on the Prime Rate plus a “margin” and will vary with the market. The estimated standard variable purchase and balance transfer APR is between 8.95% and 22.95% depending on card type. Card type and APR determined by borrower’s credit score. Information is accurate as of 11/3/2022. No Annual Fees. Balance transfer fee is 3% of each balance transfer. Cash advance fee is 4% of amount of each cash advance. Foreign fees: 0.8% of the amount of each transaction if there is no currency conversion; 1% of the amount of the transaction if there is a currency conversion. Cannot be combined with other offers. Offer, program, rates, terms, and conditions are subject to change. Visa® is a registered trademark of VISA U.S.A. Inc.
Personal Credit Line
| Type | APR* |
|---|---|
| Personal Credit Line | 14.25% - 18.00% |
Other Disclosures
Rates effective as of November 3, 2022.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.