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Rates

Fall Certificate Special

4.25% APY*

Pick your trail. Same rate, 9, 15, or 25 months.

No matter which length you choose, you'll earn our best rate. Pick the trail that fits — 9, 15, or 25 months — and arrive at the same great return.

*APY = Annual Percentage Yield. APY is for new certificates opened after September 23, 2026, while promotion offered. We reserve the right to discontinue rate or special at any time without notice. Penalty may be imposed for Early Withdrawal which may reduce earnings. Dividends Compounded and Credited Annually and at Maturity. No minimum opening deposit or minimum balance; maximum deposit of $250,000 per member. Unless otherwise selected by Member, at maturity the 9-month Certificate will renew into a standard 6-month Certificate, the 15-month into a standard 12-month Certificate, and the 25-month into a standard 24-month Certificate.

Refinance Now. Start Paying Later.

Refinance your auto loan from another lender — keep the vehicle you're driving, drop your rate, and don't make a payment for up to 90 days.

Up to 90 days, no payment

For qualified borrowers.

$200 cash bonus

Deposited after your refinance is complete.

0.75% off our current auto rate

Based on your credit.

No refinance fee

Some lenders charge one, we don't.

Get Started Today

Apply by October 16, 2026.

Estimate your new payment

For estimating only. This calculator is a third-party tool and its assumptions may not match your loan — enter $0 for refinancing fees, since True North doesn't charge one. Your actual payment is based on the rate and term you're approved for.

Not sure what your numbers would look like? Call (907) 523-4700 and we'll run them with you.

Applications must be received by October 16, 2026 and loans must close by October 31, 2026. Offer applies to auto loans currently financed at another financial institution; existing True North auto loans do not qualify. Offer subject to credit approval. The 0.75% rate reduction applies to True North's current auto loan rate for which the borrower qualifies based on creditworthiness. First payment may be deferred up to 90 days from the origination date for qualified borrowers; interest accrues during the deferral period and the first payment may be interest only. $200 cash bonus deposited after the refinance is complete. Additional restrictions may apply.

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