Consumer Loan

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Balance Requirements Dividend Rate APY APR Repayment Term
Auto Loans APR = Annual Percentage Rate. Rate effective as of 7/1/18. Credit restrictions apply. Rates and terms are subject to change at anytime. Rate is determined by individual credit history and repayment term. Payment example: 60 monthly payments of $18.19 for each $1,000 borrowed. Lowest rate includes .50% Bundle Rebate. The .50% rebate available with automatic loan payments with True Sky Credit Union. Rebate will be deposited when loan is funded. Credit requirements must be met to qualify. Rebate is .50% of the funded amount of the new loan. Loan must be open and current for 180 days, otherwise the amount of the rebate provided will be added to the balance of the new loan. Max rebate is $250.00. As low as 3.49% Up to 60 months Apply Now
Boat, Motorcycle or ATV APR = Annual Percentage Rate. Rate is effective as of 3/1/18. Actual rate is determined by individual credit history and repayment term. Credit restrictions apply. Rates are subject to change at anytime without notice. Payment example: 48 monthly payments of $23.48 for each $1,000 As low as 4.99% Up to 120 Months depending on collateral Apply Now
Recreational Vehicles APR = Annual Percentage Rate. Rate effective as of 3/1/18. Rate is determined by individual credit history and repayment term. Credit restrictions apply. Rates are subject to change at anytime without notice. Payment example: 48 monthly payments of $23.48 for each $1,000 As low as 4.99% Up to 120 Months depending on collateral Apply Now
Airplane Loan APR = Annual Percentage Rate. Rate is good as of 3/9/17. Actual rate is determined by repayment term and individual credit history. Max loan amount of $75,000. Up to 75% loan to value. Credit restrictions apply. Rates are subject to change at anytime. Payment example: 72 monthly payments of $16.57 per $1,000 borrowed. As low as 5.99% Up to 72 Months Apply Now
Quick Loan APR = Annual Percentage Yield. Rates effective as of 3/1/18 and are subject to change at any time. Rate is determined by credit history. Other restrictions apply. Credit Union membership required with a minimum $25.00 share account. No application fee. No annual fee. No interest is charged until you use the funds. Payment example: $30 minimum monthly payment on every $1,000 borrowed. As low as 9.99% Various terms available Apply Now
Firm Foundation Loan APR = Annual Percentage Rate. Rate effective as of 3/1/18 and is subject to change at any time. Borrow up to $1,000. Credit restrictions apply. Payment example: 12 monthly payments of $87.91 for each $1,000. 9.99% 12 Months Apply Now
7-4-7 Loan APR = Annual Percentage Rate. Rate effective as of 3/1/2018. Credit restrictions apply. Rates and terms are subject to change at anytime. Payment example: 48 monthly payments of $23.95 per $1,000 borrowed. 7.00% Up to 48 Months Apply Now
Storm Shelter Loan APR = Annual Percentage Rate. Rate effective as of 3/1/2018 and subject to change at any time. Credit restrictions apply. Max loan amount of $5,000. Payment example: 36 monthly payments of $29.08 for every $1,000 financed. 2.99% 36 Months Apply Now

Visa® Credit Cards

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Balance Requirements Dividend Rate APY APR Repayment Term
Platinum Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 7.99% Apply Now
Gold Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 11.99% Apply Now
Classic Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 13.90% Apply Now
Cash Back Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 16.99% Apply Now
Share Secured Visa® Credit Card APR = Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 1/1/18. Credit restrictions apply. As low as 5.99% Apply Now

Visa Terms and Conditions

Deposits

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Balance Requirements Dividend Rate APY APR Repayment Term
Regular Share Savings APY = Annual percentage yield. Rate as of 3/1/18 and subject to change at anytime. $25.00 Minimum .05% .05%
CertifiKID of Deposit - 12 Months APY = Annual Percentage Yield. Rate is effective as of 3/1/2018. Rates subject to change at any time. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. Up to $2,000 in total deposits can be made during the term of the CD on this product only. A penalty may be imposed for early withdrawal. $100 .70% .70%
Optimum Checking APY = Annual Percentage Yield. The APY assumes dividends are compounded monthly. For balances over $40,000, the rate is .05% APY. Annual percentage yield. Rate as of 1/11/18 and subject to change at any time. A withdrawal of dividends mat reduce earnings. When qualifications are met. Fees may reduce earnings. Up to $40,000 1.49% 1.50%
90 Days CD APY = Annual Percentage Yield. Rate as of 10/25/18 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1,000 .70% .70%
6 Month CD APY = Annual Percentage Yield. Rate as of 10/25/18 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1,000 .85% .85%
7-12 Month CD APY = Annual Percentage Yield. Rate as of 10/25/18 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1,000 1.05% 1.06%
18 Month CD Special APY = Annual percentage yield. Rate as of 10/25/2018 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $1000 + 2.72% 2.75%
13-23 Month CD APY = Annual Percentage Yield. Rate as of 10/25/18 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 1.25% 1.26%
24-35 Month CD APY = Annual Percentage Yield. Rate as of 10/25/18 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 1.40% 1.41`%
36-47 Month CD APY = Annual Percentage Yield. Rate as of 10/25/18 and subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 1.85% 1.87%
48-60 Month CD APY = Annual Percentage Yield. Rate as of 10/25/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit until maturity. A penalty may be charged for early withdrawal. Fees may reduce earnings. $500 2.00% 2.02%
Money Market Tier 1 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. If the balance drops below $2,500, the rate will default to .05% APY. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $2,500-$24,999 .30% .30%
Money Market Tier 2 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $25,000-$49,999 .40% .40%
Money Market Tier 3 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $50,000-$99,999 .50% .50%
Money Market Tier 4 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $100,000 and up .60% .60%