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TRU Lending

Because you never know what tomorrow brings, we offer choices.

Whether you’re shopping for a new car or home or you need extra funds to cover the unexpected, we offer a variety of competitive loans and lines of credit that can help.

TRU Auto Loans

Ready to get behind the wheel of a new (or newer) car? Our fully loaded auto loans* can start your engine faster!

*All loans subject to credit approval. Membership, terms and conditions apply.| **Insurance and Warranty products are not products of the credit union; and are not obligations of or guaranteed by the credit union. Insurance or warranties may be purchased from an agent or an insurance company of the member’s choice; and the credit union makes no representations as to the services of any provider.

TRU Recreational Loans

Like the thrills of the great outdoors? Whether it’s the open road or high seas you like to brave, our recreational loans* can help conquer what you crave!
  • New or used vehicles – Buy or refi
  • Up to 100% financing
  • Competitively low rates
  • Flexible payment options
  • Quick and easy loan processing
  • Pre-approvals

*All loans subject to credit approval. Membership, terms and conditions apply.

TRU Secured Loans

Need quick funds to cover one of those pesky, unexpected expenses such as car repair or a new appliance? Use your savings or certificate account as collateral to access a quick and easy personal loan*.
  • Borrow up to 100% of deposited funds - Loan secured by funds in your savings account or in certificates
  • Competitively low rates
  • Quick, streamlined application process
  • Continue to accrue dividends during the loan period
  • Build your credit while putting your savings to work for you

* Membership, terms and conditions apply.

TRU Home Equity Line of Credit (HELOC)

DYK you can use the equity you’ve built up in your home to cover more than home improvements and repairs? While that’s a great use, you can also use the funds to simply consolidate debt, pay for a big-ticket item milestone event or even cover a large, unexpected expense!

Interest only HELOC
  • Minimum first advance is $5,000; No minimum on draws thereafter
  • 10-year draw period
  • Interest only monthly payment
  • No closing costs on lines of $100k or less if LOC is closed within the first 2 years; Member reimburses for closing costs.

Principal & Interest HELOC
  • Minimum first advance is $5,000; No minimum on draws thereafter
  • 10-year draw period
  • Payment is 1.5% of balance monthly

*All loans subject to credit approval. Membership, terms and conditions apply.

TRU Signature Loans

WHATEVER the need, a signature/personal loan can provide you with the funds to cover it.

*All loans subject to credit approval. Membership, terms and conditions apply.

TRU Mortgage Loans

  • 1st Mortgages, Mobile Home & Land Package Loans
  • Whether buying or refinancing, you can find your next home sweet home loan at the Credit Union.
  • Fixed and adjustable-rate mortgages
  • 5-, 10-, 15- and 30-year terms
  • Conventional, FHA, VA, USDA and First Time Homebuyer
  • Pre-approvals

*All loans subject to credit approval. Membership, terms and conditions apply.

NMLS License #401620

TRU Access

You can make payments on your loans via a teller at the branch, by phone or online

TRU Peace of Mind

Rest assured your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government. We do business in accordance with the Federal Fair Housing Law & the Equal Credit Opportunity Act.

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