The possibilities are endless.

Loan Rates

Enjoy fast approvals, quick closing and
money-saving loan opportunities.

TruStone Financial's loans provide the financing you need to achieve your goals while saving you money with competitive rates. See our full rate sheet and fee schedule for more information.

Mortgage Loans (Purchase)

Rates, terms and fees as of September 20, 2021 are subject to change without notice

Loan Type Rate APR1
FIXED RATE MORTGAGES
FHA 30 Year Fixed 2.375% 2.448%
30-Year Fixed Rate -MN* 3.000% 3.056%
20-Year Fixed Rate 2.625% 2.703%
15-Year Fixed Rate 2.125% 2.270%
10-Year Fixed Rate 2.000% 2.231%
30-Year Fixed Rate -WI** 2.875% 2.966%
ADJUSTABLE RATE MORTGAGES^
5/1 Conforming 2.432% 2.671%
7/1 Conforming 2.625% 2.833%

Mortgage Loans (Refinance)

Rates, terms and fees as of September 20, 2021 are subject to change without notice

Loan Type Rate APR1
FIXED RATE MORTGAGES
FHA 30 Year Fixed 2.375% 2.448%
30-Year Fixed Rate 3.000% 3.075%
20-Year Fixed Rate 2.750% 2.820%
15-Year Fixed Rate 2.250% 2.384%
10-Year Fixed Rate 2.125% 2.324%
ADJUSTABLE RATE MORTGAGES^
5/1 Conforming 2.432% 2.671%
7/1 Conforming 2.625% 2.909%

Minnesota
*Example loan amount of $250,000 with a 30-day rate lock period. Rates are based on the purchase of a single family, primary residence, a qualifying credit score of 740 and assumes the loan will have an escrow account.

Wisconsin
**Example loan amount of $200,000 with a 30-day rate lock period. Rates are based on the purchase of a single family, primary residence, a qualifying credit score of 740 and assumes the loan will have an escrow account.

General Disclosures
1APR = Annual Percentage Rate. The displayed APR for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including closing costs. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Your rate and APR may differ depending on your credit history, property value, loan amount and other factors. TruStone membership required.

Loan payment examples:
A $250,000 loan for 30 years at 3.500% interest and 3.548% APR will have a monthly principal and interest payment of $1,122.61.

A $250,000 loan for 20 years at 3.250% interest and 3.316% APR will have a monthly principal and interest payment of $1,417.99.

A $250,000 loan for 15 years at 3.000% interest and 3.085% APR will have a monthly principal and interest payment of $1,726.45.

A $250,000 loan for 10 years at 2.750% interest and 2.873% APR will have a monthly principal and interest payment of $2,385.28.

If the down payment or equity is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The monthly payment amount does not include homeowner’s insurance, flood insurance (if applicable), or property taxes; therefore, the actual payment obligation will be greater.

^5/1 Adjustable-Rate Mortgage: Rate assumes a 30-year term and is variable based on the 5-year Treasury rate plus a margin with an initial five-year fixed interest rate period, followed by a rate that adjusts on an annual basis. Maximum rate adjustment per year is 2% with a life-of-loan maximum of 6%. The interest rate, APR, and monthly payments may increase after the initial fixed interest rate period. Amortized loan terms available up to 30 years.

^7/1 Adjustable-Rate Mortgage: Rate assumes a 30-year term and is variable based on the 1-year Treasury rate plus a margin with an initial seven-year fixed interest rate period, followed by a rate that adjusts on an annual basis. Maximum rate adjustment per year after the initial of 5%, is 2% with a life-of-loan maximum of 5%. The interest rate, APR, and monthly payments may increase after the initial fixed interest rate period. Amortized loan terms available up to 30 years.

 

HOME LOANS

 

Looking for a home loan? Want to use the equity you’ve built up over the years for a major purchase? Ask a banker for the most recent home equity loan, line of credit and mortgage options.

 

Auto and Recreation Loans

Effective September 1, 2021; Lowest rate based on model year and creditworthiness.

Annual Percentage Rate (APR) As Low As
Cars/Trucks/Vans 1.99%1
Motorcycle/Boat/Personal Watercraft
RV/Snowmobile/ATV/UTV
3.49%2

Rates include discounts for TruStone Visa® Credit Card and automatic loan payment from a TruStone account. All rates subject to change without notice. Actual rate for all loans based on an evaluation of applicant’s credit and payment history. The loan amount is based on an evaluation of the applicant’s credit and payment history, income and length of employment. Other terms and conditions may apply. TruStone membership required. Current TruStone auto loans are eligible for refinance with a minimum of $5,000 in additional disbursements.
1 Lowest available fixed-rate on vehicles 2017 and newer. Minimum loan amount of $5,000 required. Sample payment: 36 monthly payments of $28.64 per $1,000 borrowed.
2 Lowest available fixed on vehicles 2017 and newer. Minimum loan amount of $5,000 required. Sample payment: 36 monthly payments of $29.30 per $1,000 borrowed.

 

Effective September 1, 2021

  Visa Signature Visa Platinum Rewards Visa Platinum
Overview The Visa Signature Credit Card contains the latest in credit card technology and security, allowing you to have peace of mind when making purchases. With credit limits beginning at $5,000 and the option of cash back rewards, our Signature Card is sure to be your top-of-wallet, everyday use card. Earn reward points while making everyday purchases with the Visa Platinum Rewards Credit Card. With a low variable rate and credit limits starting at $250, it’s a popular and useful card to add to your wallet. The Platinum Credit Card is the go-to card for those just starting out and wanting to build credit. The Visa Platinum Credit Card is great for those who want a low rate, low $250 minimum credit line of and are not concerned about earning rewards.
Rates Rates as low as 9.90%  Annual Percentage Rate (APR)* Rates as low as 9.90% Annual Percentage Rate (APR)* Rates as low as 8.90% Annual Percentage Rate (APR)*
No annual fee
*APR = Annual Percentage Rate. The maximum interest rate is 18.00%. TruStone Financial membership required. 

View credit card terms and conditions.

   

Personal (Unsecured)

Effective September 1, 2021
Annual Percentage Rate (APR) As Low As
Personal Installment1 8.99%
Line of Credit2 9.49%

Rates include a 0.25% discount for automatic loan payments from a TruStone account.
All rates subject to change without notice. Actual rate for all loans based on an evaluation of applicant’s credit and payment history. The loan amount is based on an evaluation of the applicant’s credit and payment history, income and length of employment. Max 72-month payment term.
1Personal Installment: Fixed rates range from 8.99% APR to 16.99% APR.
2Personal Line of Credit: Variable rates range from 9.49% APR to 15.74% APR.


Personal (Secured)

Effective September 1, 2021
Annual Percentage Rate (APR) As Low As
Savings Secured1 2.10%
Certificate Secured2 3.75%

Can only be secured with funds from a primary share, sub share or certificate held at TruStone Financial. Rates include a discount for automatic loan payment from a TruStone account. All rates subject to change without notice.
1Shared Secured Loan: Fixed rate based on Share savings rate plus 2.00%
2Certificate Secured Loan: Fixed rate based on the Certificate rate plus 2.00%. Rate is rounded up to the nearest quarter percent. Loan term cannot exceed maturity of certificate.

 

Loans subject to credit approval. Variable rate products will not exceed 18%APR. Contact a TruStone loan officer for details. All rates presented for consumer loans only and not applicable to business loans.

Great neighborhood credit union loan rates.

TruStone Financial is here to support your dreams with money-saving rates on loans. We offer full banking services and ATM access for your convenience while helping you open new accounts and loans, apply for mortgages, access wealth management services and strengthen your business with the right solutions.