- Available through Apple Pay®, Samsung Pay®, or Google Pay™
- Make purchases quickly and securely with your mobile device
- Pay in an easier way — no more counting change or carrying cards
- Easily set up payment information
- Add multiple cards to your device for extra convenience
- Keep purchases private — card data is never directly transmitted to retailers
- Easily protect your accounts if you lose your device
Apple Pay
Apple Pay is the digital wallet used for Apple devices. You can use Apple Pay for in-store and online purchases with the touch of a finger. Setting it up is easy! Click the App Store icon below, or find the wallet app on your device.
See a quick overview of Apple Pay, and for more instructions on how to set it up!
Samsung Pay
Samsung Pay is the digital wallet used on most Samsung devices. Samsung users can also use Google Pay. You can use Samsung Pay or Google Pay to make purchases by simply using your mobile device. To download Samsung Pay, click on the Google Play icon below, or find it in your app store.
See a quick overview of Samsung Pay, and for more information on how to set it up!
Google Pay
Google Pay is the digital wallet used on most Android devices. Make purchases in-store and online by keeping your debit card information in one safe place. To download Google Pay, simply click the Google Play icon below and search Google Pay.
See a quick overview of Google Pay!
There is no charge to download the TRUE Community Credit Union app, but data and connectivity charges from your mobile service provider may apply. Please contact your mobile service provider for more information. Apple, the Apple logo, and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google Inc.
TRUE Community Credit Union is not the provider of the payment solution within your Mobile Wallet, and we are not responsible for providing the Mobile Wallet service to you. TRUE Community is only responsible for supplying information securely to the Mobile Wallet provider to allow the usage of the Virtual Card within your Mobile Wallet. TRUE Community accepts no responsibility for any failure of the Mobile Wallet or the inability to use the Mobile Wallet to conduct transactions. We are not responsible for the performance or non-performance of the Mobile Wallet provider or any other third parties regarding any agreement you enter into with the Mobile Wallet provider or associated third-party relationships that may impact your use of the Mobile Wallet.
Fequently Asked Questions
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Why Mobile Pay?
Mobile payments conduct transactions via tokenization, and tokenization increases the security of our cards.
When you add a card to a digital wallet service it creates a randomly generated token to represent your card and banking information. This information is encrypted and when you then initiate a transaction it shares that token, not your card number. The merchant then shares the token with the card processor, the card processor passes the token to the issuer (that's us), who then decrypts the token and grants approval or denial for the transaction.
What all this techno-jargon means is that when using tokenization via a digital wallet, you are never sharing your actual card information with the merchant. So in the case of a merchant compromise, we simply issue a new token, which causes zero impact to you, the member. Furthermore, if a fraudster were to gain access to your token, it is essentially useless for gaining your account information without the original key used to generate the token, which is safely housed on the Credit Union's servers.
Unlike physical cards, digital wallets are heavily encrypted, making it almost impossible to access a user’s financial information without a PIN, password, or fingerprint. And unlike physical cards, digital wallets can’t be snatched from your purse or wallet.
How does Mobile Pay work?
Mobile pay uses Near Field Communication (NFC), which allows electronic devices to communicate wirelessly with each other when they are near/within each other's field of communication. Any terminal or point of sale displaying the Apple Pay®, Google Pay™, Samsung Pay®, or all digital wallet logos are capable of accepting digital wallets. If a merchant uses that logo, what they are actually saying is, "We accept NFC powered payments.”
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Just a Tap Away
Access your account anytime, anywhere with convenient Digital Banking services.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Loan Type | Term up to | Rate (APR**) As Low As |
| New Auto - 2025 | Up to 60 Months | 5.74%** |
| New Auto - 2025 | 61-72 Months | 5.99%** |
| New Auto - 2025 | 73-84 Months | 6.74%** |
| Used Auto - 2021-2024 | Up to 60 Months | 5.74%** |
| Used Auto - 2021-2024 | 61-72 Months | 5.99%** |
| Used Auto - 2021-2024 | 73-84 Months | 6.74%** |
| Used Auto 2020 & Older | Up to 60 Months | 5.99%** |
| Used Auto 2020 & Older | 61-72 Months | 6.74%** |
| Used Auto 2020 & Older | 73-84 Months | 6.99%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score. Add .25% for vehicles 5 years and older.
Boat Loans
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| Boat (up to $19,999) | Up to 72 Months | 6.74%** |
| Boat ($20,000-$39,999) | Up to 144 Months | 7.74%** |
| Boat (> $40,000) | Up to 180 Months | 7.74%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Construction/Land Loans
| Loan Type | Terms | Rate | APR** as low as |
|---|---|---|---|
| Construction Loan | 30 Year | 3.500% | 3.883%** |
| Construction Loan | 20 Year | 3.250% | 3.711%** |
| Construction Loan | 15 Year | 3.000% | 3.590%** |
| Construction Loan | 10 Year | 2.750% | 3.595%** |
| Vacant Land Loan | 5 Year Balloon / 30 Year Amortization | 5.750% | 5.985%** |
**APR = Annual Percentage Rate
All rates based on credit experience and are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union. Term listed is the maximum term available.
*Rates and APRs may vary depending on loan details, such as loan amount, loan-to-value, your credit, property type, purpose (purchase or refinance with cash-out vs. cash-out), occupancy (owner occupied or second home) and points paid. Rates are subject to change without notice. You will need to speak to one of our loan officers to obtain a specific quote or to lock a rate.
Credit Cards
| Type | Terms | APR** as low as |
|---|---|---|
| TRUE Rewards Visa | Non-Variable Rate (Risk Based Pricing Applies) | 11.99%** |
| Visa Business | Adjusts quarterly (Prime + 4.00%) | 11.50%** |
| Visa Secured | Non-Variable Rate | 16.49%** |
**APR = Annual Percentage Rate
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Home Equity Loans
| Product | Terms | Rate (APR**) As Low As |
|---|---|---|
| Home Equity Line of Credit | Prime | 7.50%** |
| Fixed Rate Home Equity Loan | 5 Year | 5.99%** |
| Fixed Rate Home Equity Loan | 10 Years | 6.50%** |
| Fixed Rate Home Equity Loan | 15 Years | 7.00%** |
**APR = Annual Percentage Rate
If an appraisal is needed the cost is charged to the borrower and must be collected in advance. All home equity loans over $100,000 require an appraisal.
All rates based on credit experience and are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union. Term listed is the maximum term available.
HELOC rates adjust monthly based on prime rate plus a margin. They have a 3% floor rate for decreases in the adjusted rate. The index is the PRIME RATE as published in the WALL STREET JOURNAL, under Money Rates.
IRA and Coverdell Education Saving Account (ESA)
| Description | Rate | APY* |
| ESA Share | 0.25% | 0.25% |
| IRA Traditional Share | 0.25% | 0.25% |
| IRA Roth Share | 0.25% | 0.25% |
| IRA Beneficiary Share |
0.25% | 0.25% |
APY = Annual Percentage Yield
$500,000 is the maximum at the rates listed . Contact a member advisor for rates on higher amounts.
Mortgage Loans
Motorcycle
| Loan Type | Term | Rate (APR**) As Low As |
| Motorcycles - 2021-2025 | Up to 72 Months | 7.24%** |
| Motorcycles - 2020 & Older | Up to 72 Months | 7.74%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Motorsports
| Loan Type | Terms | Rates (APR**) As Low As |
| Motorsports - New & Used | Up to 72 Months | 8.74%** |
| Motorsports - 2020 & Older | Up to 72 Months | 9.24%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Personal Loans
| Loan Type | Term | APR** as low as |
|---|---|---|
| Signature Loan | Up to 72 Months | 11.74%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
RV Loans
| Loan Type | Term | Rate (APR**) As Low As |
|---|---|---|
| RV (up to $19,999) | Up to 72 Months | 6.74%** |
| RV ($20,000 - $39,999) | Up to 144 Months | 7.74%** |
| RV (> $40,000) | Up to 180 Months | 7.74%** |
**APR = Annual Percentage Rate - As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing.
All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
Savings
| Product | Dividend Rate | APY |
|---|---|---|
| Business Savings | 0.05% | 0.05%* |
| Business High Yield Savings** - $10,000 - $50,000 | 2.956% | 3.00% |
| Business High Yield Savings** - $50,000.01 and greater | 3.682% | 3.75% |
| Regular Shares, Shares Pledged and TRUE Money Tree | 0.05% | 0.05%* |
| Non-Interest Shares | 0.00% | 0.00%* |
| Club Accounts | 0.05% | 0.05%* |
*APY = Annual Percentage Yield
** Must be funded with all new money
Share Certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Months | 1.495% | 1.50%* |
| 6 Months | 4.169% | 4.25%* |
| 12 Months | 3.928% | 4.00%* |
| 24 Months | 3.445% | 3.50%* |
| 36 Months | 2.230% | 2.25%* |
| 48 Months | 1.980% | 2.00%* |
| 60 Months | 1.735% | 1.75%* |
*APY - Annual Percentage Yield
All Term Share Certificates have a minimum deposit of $500, the rates and terms above are based on this minimum deposit amount. Contact a Member Service Representative for exact APYs for a specific amount and term.
Fees could reduce the earnings of the account.
$500,000 is the maximum at the rates listed . Contact a member advisor for rates on higher amounts.
Super Cash Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $1999.99 | 0.000% | 0.00%* |
| $2,000.01 - $50,000 | 0.50% | 0.50%* |
| $50,000.01 - $100,000 | 0.60% | 0.60%* |
| $100,000.01+ | 0.70% | 0.70%* |
*APY = Annual Percentage Yield
Traditional/Roth/Education Coverdell Individual Retirement Accounts (IRAs)
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month | 4.169% | 4.25%* |
| 12 Months | 3.928% | 4.00%* |
| 24 Months | 3.445% | 3.50%* |
| 36 Months | 2.230% | 2.25%* |
| 48 Months | 1.980% | 2.00%* |
| 60 Months | 1.735% | 1.75%* |
*APY = Annual Percentage Yield
$500,000 is the maximum at the rates listed . Contact a member advisor for rates on higher amounts.