- No monthly service fee
- No minimum balance requirement
- Free Digital Banking services, including:
- Free 24/7 online account access
- Free 24/7 mobile access
- Free e-statements
- Free debit card at account opening
- Access over 30,000 fee-free Co-Op ATM’s
- Free early pay with incoming ACH*
- Courtesy Pay overdraft line of credit (for eligible members)
- Excess share insurance
- No minimum deposit to open
Switch from a Michigan Made Checking to a Michigan Made Checking Rewards Account and enjoy everything in addition to earning rewards on your transactions!
- Earn 1 pt. for every $5 in a single transaction by selecting credit
- No monthly service fee
- No minimum balance requirement
- Free Digital Banking services, including:
- Free 24/7 online account access
- Free 24/7 mobile access
- Free e-statements
- Free debit card at account opening
- Access 32,000 fee-free Velera ATM’s (formerly Co-Op)
- Free early pay with incoming ACH*
- Courtesy Pay overdraft line of credit (for eligible members)
- Excess share insurance
- No minimum deposit to open
Earn Rewards
Cash Back: Cash back options include statement credits, deposit to checking & savings, or deposit to any account.
Gift Cards & eGift Cards: 150+ gift card options from the most popular merchants.
Travel: Airline tickets, hotels, car rental, cruises and vacation getaways.
Experiences & Event Tickets: Includes experiences, sporting events, plays, comedy shows, even exclusive sold-out events to public – all in real time.
Merchandise: An extensive collection of brand-name rewards including cameras, tablets, gaming consoles and more.
Fuel with Points: Score exclusive discounts at the pump using your rewards-linked card. Redeem points for fuel discounts at participating stations (Select BP, Shell, Murphy & Citgo stations)
Checkout With Points: Gain discounts at some of your favorite merchants on a purchase using your points balance as a redemption option. Merchants include Walmart, Dollar General, Walgreens and CVS Pharmacy.
Charitable Donations: Pay it forward by making a donation with points to a designated charity of choice.
Redeem With Ease Digital Banking
Redeem points for cash back, gift cards, travel, and more through Digital Banking at TRUECCU.com or on your mobile device with the TRUECCU mobile app.
Visa Pay with Points: Redeem on-the-go with immediate email/text notifications to use points as instant statement credit to cover the cost of a recent transaction. At the Pump Insert or tap your rewards card at the beginning of the transaction. If you have enough points the screen will prompt you to use your points toward $0.50 off per gallon up to 20 gallons. At the Register Swipe your rewards card at the beginning of the transaction at participating retailers. If you have enough points, the POS screen will prompt you to use your points toward an automatic price rollback of $5 or $10.
Simply enroll, spend, redeem and the credit is applied to your card.
No dividends are paid on this Account. No transaction limitations apply to this Account. Debit cards based on eligibility. Membership eligibility guidelines apply.
*Early Pay will not apply to international deposits. Some restrictions may apply.
Prefer to keep things simple?
We also offer Just Checking. Just Checking is a personal checking account with no monthly fee and all the essentials you need.
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.