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Loan Rates

TruNorth offers a wide range of in-house mortgage options to help you find the best solution for your new home purchase. We offer fixed rate, balloon, and adjustable rate mortgages. Give us a call for more information!

Please contact our office at (906) 485-1210 for our current adjustable HELOC rates.

Rates Updated:
TermRateAPRMonthly Payment
5 Year Fixed8.20%8.20%$1019.00
7 Year Fixed8.70%8.70%$797.00
10 Year Fixed8.90%8.90%$631.00

*The information provided assumes a loan amount of $50,000. All loans subject to credit approval. Annual percentage rates (APR) shown are subject to change without notice. Advertised rates assume loan to value is no higher than 80%. Borrower is responsible for closing costs. Rate is fixed for the term of the loan. Property insurance is required, and, if applicable, flood insurance will be required. Minimum loan amount is $5,000. Fixed APR’s (annual percentage rates) do not include processing fee. APR’s may vary due to loan amount and term. Limited to MI properties only. Other restrictions may apply. Ask for details.

Rates Updated:
TermAPRMonthly Payment per $1,000Requirement
24 months8.90%$45.64
36 months9.00%$31.80
48 months9.20%$24.98
60 months9.40%$20.96
72 months9.60%$18.33Some restrictions may apply.
84 months9.75%$16.48Some restrictions may apply.
Rates Updated:
TermAPRMonthly Payment per $1,000Requirement
24 months8.90%$45.64
36 months9.00%$31.80
48 months9.20%$24.98
60 months9.40%$20.96
72 months9.60%$18.33
84 months9.75%$16.48NEW ONLY
120 months10.25%$13.36NEW ONLY; Fixed $30,000+
Rates Updated:
TermAPRMonthly Payment per $1,000Maximum
36 months13.75%$34.05$25,000
48 months14.25%$27.45$25,000
60 months14.50%$23.53$25,000
72 months14.75%$21.01$25,000
VISA (revolving)11.90%$20,000 (no annual fee)
Total combined any purpose loan balance and VISA limit may not exceed $35,000.
Rates Updated:
TermAPRMonthly Payment per $1,000
Up to 36 months5.75%$30.42
Up to 72 months6.25%$16.81

Well qualified members save even more. A credit score of 700-775 earns an additional .50% rate reduction on our any purpose, vehicle, RV, boat or motorcycle loan. A full 1.0% rate discount applies for borrowers with credit scores of 776 or higher. The rates posted are for credit scores of 650 – 699. We use FICO Classic 09 to determine credit scores. This discount applies to all loans except Visa, Home Equity and Mortgage.

Programs, rates, terms and conditions are subject to change without notice. Any borrower or co-borrower must establish membership with TruNorth Federal Credit Union.