Rates

Whether you're saving for a goal or need a loan for important purchases, True North Federal Credit Union's rates are structured to maximize your money. From various savings account options to auto loans and mortgages, our rates work in our members' best interests, whether they're in Anchorage, Fairbanks, Juneau or other parts of Alaska.

Consumer Loan Rates

Download the PDF

Product Terms Loan Rates/APR**
New & Used Cars up to 96 months 2.29% - 17.60% APR
Motorhomes & Boats up to 180 months 3.74% - 10.60% APR
Motorcycles & RVs up to 84 months 2.99% - 15.85% APR
Personal Loans up to 60 months 11.9% - 17.90% APR Max Amount / Credit Limit
Overdraft Line of Credit Revolving 18.00% APR $500 to $3000
Visa Platinum Credit Card Revolving 9.90% or 12.50% when you open your account, based on your credit worthiness up to $20,000
Secured Visa Platinum Credit Card Revolving 14.50% APR $500 min / $5000
Share Secured Varies 3.00% above stated dividend $100,000

**Disclosed rate includes 0.15% discount for credit protection product. Insurance is required for all collateralized loans. Financing is available up to 100% on approved credit. Your loan rate will be determined by your credit worthiness. APR will increase on established loans that no longer qualify for the rate reduction. Rates are subject to change at any time.

Mortgage Rates

Download the PDF

  Terms Loan Rates/APR Financing Max Amount
Home Equity Line Platinum Mastercard Revolving Variable rate of 3.50% - 18.00% APR * Up to 90% $75000 maximum
Easy on the pocket DOT 20 yr Amort - 7 yr ballon 7.25% - 8.50% APR
25 yr Amort - 7 yr ballon 7.50% - 8.75% APR
30 yr Amort - 7 yr ballon 7.75% - 9.00% APR
Equity Access DOT
w/LTV < 80%
1 - 60 months 6.50% - 11.50% APR
61 - 120 months 6.75% - 11.50% APR
121 - 144 months 7.00% - 8.00% APR
145 - 180 months 7.25% - 7.75% APR
Equity Access DOT
w/LTV > 80%
1 - 60 months 7.50% - 11.50% APR
61 - 120 months 7.75% - 11.50% APR
121 - 144 months 8.00% - 9.00% APR
145 - 180 months 8.25% - 8.75% APR
Residential Lot Loan 1 - 60 months 7.25% - 9.50%
61 - 144 months 7.50% - 9.75% APR
15 yr Amort - 5 yr ballon 6.75% APR
First Mortgage Call your local branch for more information

*Variable rate product. Rate determined by LTV and tied to Prime Rate (Wall Street Journal). Maximum Rate is 18% APR

Deposit Accounts

Download the PDF

  DIVIDEND RATE ANNUAL PERCENTAGE YIELD MINIMUM OPENING BALANCE MINIMUM REQUIRED BALANCE DIVIDENDS COMPOUDED AND CREDITED
Regular Share and Share Secured Credit Card (S1 & S2) 0.10% 0.10% $5 $50 ($5 for members under 18) Quarterly
Express Checking Plus (S79)
$500.00 - $2,499.99
$25,000.00 or more
0.05%
0.10%
0.05%
0.10%
$25.00 $500 Monthly
Holiday Savings (S3 & S4)*
*product no longer offered
0.00% 0.00% $25 ($10 for members under 18) None Monthly
IRA Shares
Traditional (S65)
SEP (S66)
Roth (S67)
Education (S68)
0.15% 0.15% $100 $100 Quarterly
Money Market Savings (S5)
$2,500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 or more
0.10%
0.15%
0.20%
0.25%
0.25%
0.10%
0.15%
0.20%
0.25%
0.25%
None $2,500.00 Monthly
Jumbo Money Market Savings (26)
$99,999.99 or less
$100,000.00 or more
0.10%
0.25%
0.10%
0.25%
None None Monthly
Business Share Savings (S8) 0.10% 0.10% $50 $50 Quarterly
Business MM Savings (S80)
$0.00 - $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 or more
0.00%
0.10%
0.15%
0.20%
0.25%
0.25%
0.00%
0.10%
0.15%
0.20%
0.25%
0.25%
None $2,500 Monthly
Business Check (S81) 0.10% 0.10% $100 $2,500 Monthly
Short & Sweet Certificate (30 days)
$2,500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 or more
0.15%
0.15%
0.15%
0.15%
0.15%
0.15%
0.15%
0.15%
0.15%
0.15%
$2,500 $2,500 At maturity
Certificates:
3 months (90-179 days)
$500.00 - $49,999.99 (I1)
$50,000.00 - $99,999.99 (I1)
$100,000.00 or more (I1)


6 months (180-364 days)
$500.00 - $49,999.99 (I2)
$50,000.00 - $99,999.99 (I2)
$100,000.00 or more(I2)


12 months (365 – 546 days)
$500.00 - $49,999.99 (I3)
$50,000.00 - $99,999.99 (I6)
$100,000.00 or more (I7)


18 months (547 – 729 days)
$500.00 - $49,999.99 (I8)
$50,000.00 - $99,999.99 (I44)
$100,000.00 or more (I31)


24 months (730 – 911 days)
$500.00 - $49,999.99 (I38)
$50,000.00 - $99,999.99 (I28)
$100,000.00 or more (I45)


30 months (912-1094 days)
$500.00 - $49,999.99 (I20)
$50,000.00 - $99,999.99 (I29)
$100,000.00 or more (I33)


36 months (1095 days)
$500.00 - $49,999.99 (I21)
$50,000.00 - $99,999.99 (I30)
$100,000.00 or more (I37)


0.20%
0.20%
0.20%


0.30%
0.30%
0.30%


0.50%
0.50%
0.50%


0.65%
0.65%
0.65%


0.80%
0.80%
0.80%


0.90%
0.90%
0.90%


1.05%
1.05%
1.05%




0.20%
0.20%
0.20%


0.30%
0.30%
0.30%


0.50%
0.50%
0.50%


0.65%
0.65%
0.65%


0.80%
0.80%
0.80%


0.90%
0.90%
0.90%


1.05%
1.05%
1.05%




$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000


$500
$50,000
$100,000



At maturity




At maturity




Annually




Annually




Annually




Annually




Annually
Summit Certigicates - Single Step
12 months (365 - 546 days)
$500.00 - 49,999.99 (I12)
$50,000.00 - $99,999.99 (I16)
$100,000.00 or more (I17)


18 months (547 - 729 days)
$500.00 - $49,999.99 (I4)
$50,000.00 - $99,999.99 (I5)
$100,000.00 or more (I10)


0.45%
0.45%
0.45%


0.60%
0.60%
0.60%


0.45%
0.45%
0.45%


0.60%
0.60%
0.60%


$500
$50,000
$100,00


$500
$50,000
$100,00


$500
$50,000
$100,00


$500
$50,000
$100,00



Annually




Annually
Summit Certificate - Dual Step
24 months (730 - 911 days)
$500.00 - 49,999.99 (I13)
$50,000.00 - $99,999.99 (I14)
$100,000.00 or more (I15)


0.70%
0.70%
0.70%


0.70%
0.70%
0.70%


$500
$50,000
$100,000


$500
$50,000
$100,000



Annually

Youth Certificates - Max $3,300
3 months (90-179 days) (I34)
6 months (180-364 days) (I35)
12 months (365-546 days) (I36)

0.45%
0.55%
0.75%

0.45%
0.55%
0.75%


$50


$50


Maturity
IRA Certficates (Traditional)
6 months (180-364 days) I66
12 months (365-546 days) I68
18 months (547-729 days) I70
24 months (730-911 days) I72
30 months (912-1094 days) I74
36 months (1095 days) I76

0.35%
0.55%
0.70%
0.85%
0.95%
1.10%

0.35%
0.55%
0.70%
0.85%
0.95%
1.10%



$500



$500



Maturity
IRA Certificates (Roth)
6 months (180-364 days) I79
12 months (365-546 days) I80
18 months (547-729 days) I83
24 months (730-911 days) I72
30 months (912-1094 days) I74
36 months (1095 days) I76

0.35%
0.55%
0.70%
0.85%
0.95%
1.10%

0.35%
0.55%
0.70%
0.85%
0.95%
1.10%



$500



$500



Maturity
IRA Certificates (Education)
6 months (180-364 days) I79
12 months (365-546 days) I80
18 months (547-729 days) I83
24 months (730-911 days) I72
30 months (912-1094 days) I74
36 months (1095 days) I76

0.35%
0.55%
0.70%
0.85%
0.95%
1.10%

0.35%
0.55%
0.70%
0.85%
0.95%
1.10%



$500



$500



Maturity