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Mortgage Loans

Open a Mortgage & Checking, Receive $250 Cash Back*

Our team of experienced Mortgage Consultants will help guide you through the home buying and refinancing journey. The first step is a free no obligation consultation. After this conversation, you'll know exactly what options you have that complement your goals and budget. Plus, you can earn up to $250 when you finance your home with us and open a TruStone checking with a qualifying direct deposit.


Ask the Experts

Ask the Experts

Every homeowner is unique and so is every mortgage.   With our team of local experts committed to putting your needs first, let us help.

Free Consultation
Home Calculator

Home Calculator

Estimate how much you can borrow with our easy to use interactive calculators or set up a free consultation with us.  

View Calculator
Ready to Apply

Ready to Apply

Getting your loan couldn’t be easier.  We’ve streamlined the entire mortgage process to bring you a faster experience to financing your home. 

Get Pre-Qualified
Better Checking

Better Checking

It’s time for better checking with options designed to fit your life.  Over 65,000+ surcharge free ATMs, digital banking with free mobile deposit and so much more.

Get better Checking


We're Here to Help

First-time homebuyer?  Got questions about your mortgage loan? Drowning in forms and terminology?  The world of mortgages can be complex, but we’re here to help break down every step of the way and help you find a home loan that fits your needs.

Complete the form below and let us help.

Preferred Method of Contact*:
Select your preferred method of contact


Ready for better checking?

Which checking account works for you?

  TruRate Checking1,2 Premium Checking1,3 Value Checking MoneyWise Checking
Overview Those who are comfortable maintaining a larger minimum daily balance can earn the highest dividend available. Great option for those who maintain a healthy monthly balance and enjoy higher dividends and perks. Those looking for a basic account without the worry of maintaining balances or paying monthly service fees. Great option for members ages 13-17 looking to start a checking account.
  • Have a Share Savings account
  • Monthly requirement: 12 combined transactions on TruStone Visa credit and debit cards
  • Sign up for eStatements
Have a Share Savings account

Parent or Guardian 18+ must open and be on the account. 
Minimum Opening Balance $2,000 $300 $25 $5
Monthly fee $20, which is waived if you maintain a minimum
daily balance of $2,000
$5, which is waived if you maintain a minimum balance of $300 None None
Dividend Rate 2.00% (balances up to $20,000) and 0.10% (balances $20,000.01+) 0.10% 0.00% 0.00%
Annual Percentage Yields (APY) 2.02% (balances up to $20,000) and 0.10% APY (balances $20,000.01+) 0.10% 0.00% 0.00%
IDProtect®4 None None None
Free Visa® Debit Card
Earn Rewards With Debit Card Earn 1 point per $5 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Earn 1 point per $3 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Earn 1 point per $5 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Earn 1 point per $5 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Surcharge-Free ATMs (5 Free Per Month)
Free Checks
Two boxes per year

Two boxes per year
None None
Digital Banking with Bill Pay
Mobile Deposit Restricted/Limited
Overdraft Options5 None

Ready to start? You can apply online or at your nearest branch.



Balance computation method — Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash deposits — Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account. Nature of dividends — Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Compounding and frequency - Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. Effects of account closing — If you close your account before dividends are paid, you will receive the accrued dividends. These are prospective dividend rates and anticipated Annual Percentage Yields (APY) for the current dividend period and may change at any time without limitations as determined by the TruStone Board of Directors. To confirm the current rates, call 763.591.4949 or 800.343.8328

1For these account types, the dividend period is monthly; for example, the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period: for example, January 31.

TruRate: APY effective 1/1/2022. Rates subject to change including after account opening. Fees may reduce earnings. APY Tiers: Balances up to $20,000 earn 2.02% APY if requirements are met and the balance portion over $20,000 earns 0.10% APY. To earn the highest yield, member must maintain active TruStone Visa credit and debit cards with 12 combined transactions per month and enroll in eStatements. If any of the requirements are not met in a given month, the APY drops to 0.10% APY on all balances. A $20 monthly fee will be assessed if the daily balance falls below $2,000. For complete details of this checking account, speak with a TruStone Financial banker. Limit one account per household. TruRate Checking is not available for trust or business accounts.

3 Premium Checking: APY effective 1/1/2022.  Rates subject to change including after account opening. Fees may reduce earnings. 

IDProtect benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members or schools and their employees/students.  Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

5 Overdraft Protection is free to use and includes savings and line of credit transfers. Overdraft Privilege is $30 per overdraft.  Standard Coverage includes ACH, checks, recurring debit card, online bill pay, teller window and internet/phone transactions.  Extended Coverage (Must opt in) includes ATM and one-time debit card transactions, in addition to transactions covered under Standard Coverage. There is no limit on the total fees we can charge you for overdrawing your account. The amount of any overdraft including fees you owe us shall be due and payable immediately. We may elect not pay items under Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every 30 day period for a minimum of 24 hours, if you default on any loan or other obligation to TruStone Financial or if your account is subject to any legal or administrative levy. The credit union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause. You may opt out of Overdraft Protection and Overdraft Privilege at any time by calling us a 800.862.1998, or stopping by a branch.

Mortgage Qualifier Calculator

This calculator walks you through the process of finding out how much you can borrow for a mortgage.
Fill in the entry fields and run a report to see a complete amortization schedule of your potential mortgage payments.
If you want to learn more about our mortgage options or are ready to apply, click the buttons below.

Mortgage Options

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

*$250 Bonus: Close and fund a mortgage loan with TruStone Home Mortgage from 1/1/2024–12/31/2024 and complete the following actions to earn $250 cash back offer:
a) $100 for opening a new TruStone Financial checking account within 60 days of loan funding and establishing total recurring direct deposits of at least $1,000 into the new checking account. b) $150 for setting up automatic payments from the new TruStone Financial checking account to the new TruStone Home Mortgage loan after establishing the recurring direct deposits.
Only one new TruStone Financial checking account per membership is eligible and member must not already have a TruStone Financial checking account. Excludes business and trust accounts. Allow up to 90 days from checking account opening for cash back to be deposited into the account. Recipient is responsible for any applicable taxes. Other conditions and restrictions may apply. Contact a mortgage consultant for details.