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TRUE Community Credit Union

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TRUE Community Credit Union Rates & Review November 2026

Q: What are the current interest rates at TRUE Community Credit Union?

Current rates for TRUE Community Credit Union include: 12-Month CD: 3.40%, 24-Month CD: 3.50%, 60-Month CD: 3.65%, Savings: 3.75%, MMA: 0.70%

Q: What CD terms does TRUE Community Credit Union offer?

TRUE Community Credit Union CD rates are 3.40% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.55% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with TRUE Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

TRUE Community Credit Union's CD - 60 month rates are at 3.65%, CD - 48 month rates are at 3.60%, CD - 36 month rates are at 3.55%, CD - 24 month rates are at 3.50%, CD - 12 month rates are at 3.40%. TRUE Community Credit Union's savings rates are at 3.75%. TRUE Community Credit Union's money market rates are at 0.70%. TRUE Community Credit Union's checking rates are as high as 0.10%. TRUE Community Credit Union's Personal Loan Rates are as low as 8.24%. TRUE Community Credit Union's Credit Card Rates are at 10.75%. TRUE Community Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of TRUE Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.21%. Rates last updated and verified on 10/30/2026.

TRUE Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TRUE Community Credit Union? Share your experience about TRUE Community Credit Union by leaving a review below, or read customer reviews before you decide to use TRUE Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.21%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

TRUE Community Credit Union
Clinton Road

1100 Clinton Rd
Jackson, MI 49202-2060

https://www.trueccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

TRUE Community Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 60 month	3.585%	3.65%	60 Months
Min Deposit $500 Details Rates based on $500 minimum deposit; $500,000 maximum at listed rates Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Share Certificate - 48 month	3.537%	3.60%	48 Months
Min Deposit $500 Details Rates based on $500 minimum deposit; $500,000 maximum at listed rates Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Share Certificate - 36 month	3.489%	3.55%	36 Months
Min Deposit $500 Details Rates based on $500 minimum deposit; $500,000 maximum at listed rates Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Share Certificate - 24 month	3.44%	3.50%	24 Months
Min Deposit $500 Details Rates based on $500 minimum deposit; $500,000 maximum at listed rates Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Share Certificate - 12 month	3.344%	3.40%	12 Months
Min Deposit $500 Details Rates based on $500 minimum deposit; $500,000 maximum at listed rates Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Share Certificate - 6 month	3.247%	3.30%	6 Months
Min Deposit $500 Details Rates based on $500 minimum deposit; $500,000 maximum at listed rates Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Share Certificate - 3 month	1.495%	1.50%	3 Months
Min Deposit $500 Details Rates based on $500 minimum deposit; $500,000 maximum at listed rates Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Business CD Rates

Product	Rate	APY	Term
60 Month Business Share Certificate	3.585%	3.65%	60 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
48 Month Business Share Certificate	3.537%	3.60%	48 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
36 Month Business Share Certificate	3.489%	3.55%	36 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
24 Month Business Share Certificate	3.44%	3.50%	24 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
12 Month Business Share Certificate	3.344%	3.40%	12 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
6 Month Business Share Certificate	3.247%	3.30%	6 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
3 Month Business Share Certificate	1.495%	1.50%	3 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Account	3.198%	3.25%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Roth IRA High-Yield Savings	3.198%	3.25%
Details Balance: $0.00 - $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional IRA High-Yield Savings	3.198%	3.25%
Details Balance: $0.00 - $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
ESA Share	0.25%	0.25%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
IRA Beneficiary Share	0.25%	0.25%
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
IRA Roth Share	0.25%	0.25%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
IRA Traditional Share	0.25%	0.25%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Club Accounts	0.05%	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Regular Shares, Shares Pledged and TRUE Money Tree	0.05%	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Roth IRA High-Yield Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000.01 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional IRA High-Yield Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000.01 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Non-Interest Shares	0.00%	0.00%
No additional details. Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Business Savings Rates

Product	Rate	APY
Business High Yield Savings	3.682%	3.75%
Min Balance $50,000 Details Balance: $50,000.01 and greater; Must be funded with all new money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Business High Yield Savings	2.956%	3.00%
Min Balance $10,000 Details Balance: $10,000-$50,000; Must be funded with all new money Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Business Savings	0.05%	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Money Market Rates

Product	Rate	APY
Super Cash Money Market	0.70%	0.70%
Min Balance $100,000 Details Balance: $100,000.01+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Super Cash Money Market	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.01-$100,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Super Cash Money Market	0.50%	0.50%
Min Balance $2,000 Details Balance: $2000.01-$50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Super Cash Money Market	0.00%	0.00%
Min Balance $0 Details Balance: 0-$1999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.10%	0.10%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - 5 years	-	-	6.00%	5 years
Details As Low As; Term listed is the maximum term available; If an appraisal is needed the cost is charged to the borrower and must be collected in advance; All home equity loans over $250,000 require an appraisal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Fixed Rate Home Equity Loan - 5 Years	-	-	6.25%	5 Years
Details As Low As; Term listed is the maximum term available Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Home Equity Line of Credit	-	-	6.25%	Variable Based on Pr
Details Term: Variable Based on Prime; As Low As; Variable based on Prime; 3% floor rate; HELOC rates adjust monthly based on prime rate plus a margin; If an appraisal is needed the cost is charged to the borrower and must be collected in advance; All home equity loans over $250,000 require an appraisal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Fixed Rate Home Equity Loan - 10 years	-	-	6.50%	10 years
Details As Low As; Term listed is the maximum term available; If an appraisal is needed the cost is charged to the borrower and must be collected in advance; All home equity loans over $250,000 require an appraisal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Home Equity Line of Credit	-	-	6.50%	Variable Based on Pr
Details Term: Variable Based on Prime; As Low As; Rate (APR*) As Low As; HELOC rates adjust monthly based on prime rate plus a margin with a 3% floor rate; Term listed is the maximum term available Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 10, 20266.50%▲ from 6.25%* Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Fixed Rate Home Equity Loan - 10 Years	-	-	6.75%	10 Years
Details As Low As; Term listed is the maximum term available Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Fixed Rate Home Equity Loan - 15 years	-	-	7.00%	15 years
Details As Low As; Term listed is the maximum term available; If an appraisal is needed the cost is charged to the borrower and must be collected in advance; All home equity loans over $250,000 require an appraisal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Fixed Rate Home Equity Loan - 15 Years	-	-	7.25%	15 Years
Details As Low As; Term listed is the maximum term available Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto (5 years and newer)	-	-	4.24%	Up to 36 Months
Details As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
New and Used Auto (5 years and newer)	-	-	4.49%	5 Years
Details Additional APR listed for this product: 4.74%, 4.99%, 5.74%. As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Used Auto 2021 & Older	-	-	5.49%	Up to 60 Months
Details As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Used Auto 2021 & Older	-	-	5.99%	61-72 Months
Details As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
New Auto	-	-	6.49%	85-96 Months
Details $50,000+; As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Used Auto 2021 & Older	-	-	6.49%	73-84 Months
Details As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans - Boat	-	5.49%	Up to 84 Months
Details As Low As; APR; As low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
RV Loan	-	5.49%	Up to 84 Months
Details As Low As; Rate (APR**) includes 0.25% discount for borrowers establishing and maintaining auto payment at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Boat Loans - Boat	-	5.74%	Up to 84 Months
Details As Low As; As low as rate includes .25% auto payment discount Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 30, 20265.74%▲ from 5.49% Oct 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
RV Loan	-	5.74%	Up to 84 Months
Details As Low As; APR includes .25% auto-payment discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 19, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Boat Loans	-	5.99%	85 to 180 Months
Details $40,000+; As Low As; APR; As low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
RV Loan	-	5.99%	85 to 180 Months
Details $40,000+; As Low As; Loan amount: $40,000+; Rate (APR**) includes 0.25% discount for borrowers establishing and maintaining auto payment at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Boat Loans - Boat	-	6.24%	85-180 Months
Details $40,000; As Low As; Minimum loan $40,000; As low as rate includes .25% auto payment discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
RV Loan	-	6.24%	85-180 Months
Details As Low As; Minimum loan $40,000; APR includes .25% auto-payment discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Boat Loans	-	7.24%	181 to 240 Months
Details $100,000+; As Low As; APR; As low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Motorcycle Loan - New/Used Motorcycle	-	7.24%	Up to 84 Months
Details Rate (APR**) As Low As; As low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
RV Loan	-	7.24%	181 to 240 Months
Details $100,000+; As Low As; Loan amount: $100,000+; Rate (APR**) includes 0.25% discount for borrowers establishing and maintaining auto payment at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Boat Loans - Boat	-	7.49%	181-240 Months
Details $100,000; As Low As; Minimum loan $100,000; As low as rate includes .25% auto payment discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
RV Loan	-	7.49%	181-240 Months
Details As Low As; Minimum loan $100,000; APR includes .25% auto-payment discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Credit Card Rates

Product	Rate	APR
Business Rewards Visa	-	10.75%
Details As Low As; Adjusts Quarterly (Prime + 4.00%) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
TRUE Rewards Visa	-	11.99%
Details As Low As; Non-Variable Rate (Risk Based Pricing Applies) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Visa Secured	-	16.49%
Details As Low As; Non-Variable Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 16.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.24%	Up to 72 Months
Details As Low As; APR is As Low As and includes .25% discount for borrowers establishing and maintaining auto payment on their loan at loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

TRUE Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	4.75%	12 Months
Details $1,000; As Low As; Share Secured Loan; as low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Motorsport Loan - New/Used Motorsport	-	-	7.74%	Up to 84 Months
Details As Low As; Rates (APR**) As Low As; APR = Annual Percentage Rate; as low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
New/Used Motorsport Loan	-	-	8.24%	Up to 84 Months
Details As Low As; Motorsports loan; as low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 7.74% Oct 19, 20268.24%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional/Roth/Education Coverdell IRA Certificate - 12 Months	3.45%	-	3.50%	12 Months
Details $500,000 is the maximum at the rates listed; contact a member advisor for higher amounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional/Roth/Education Coverdell IRA Certificate - 24 Months	3.198%	-	3.25%	24 Months
Details $500,000 is the maximum at the rates listed; contact a member advisor for higher amounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional/Roth/Education Coverdell IRA Certificate - 36 Months	2.23%	-	2.25%	36 Months
Details $500,000 is the maximum at the rates listed; contact a member advisor for higher amounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional/Roth/Education Coverdell IRA Certificate - 48 Months	1.98%	-	2.00%	48 Months
Details $500,000 is the maximum at the rates listed; contact a member advisor for higher amounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional/Roth/Education Coverdell IRA Certificate - 6 Months	3.687%	-	3.75%	6 Months
Details $500,000 is the maximum at the rates listed; contact a member advisor for higher amounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%
Traditional/Roth/Education Coverdell IRA Certificate - 60 Months	1.735%	-	1.75%	60 Months
Details $500,000 is the maximum at the rates listed; contact a member advisor for higher amounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

TRUE Community Credit Union’s Texas Ratio rose from 8.27% in Q3 2023 to 9.21% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$955M	9.21%	5.0	A
March 31, 2026	$953M	8.53%	5.0	A
December 31, 2025	$933M	10.15%	5.0	A
September 30, 2025	$910M	9.97%	5.0	A
June 30, 2025	$919M	7.05%	5.0	A
March 31, 2025	$918M	6.45%	5.0	A
December 31, 2024	$881M	7.85%	5.0	A
September 30, 2024	$877M	6.62%	5.0	A
June 30, 2024	$883M	4.15%	5.0	A+
March 31, 2024	$891M	4.23%	5.0	A+
December 31, 2023	$703M	6.66%	5.0	A
September 30, 2023	$713M	8.27%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TRUE Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather TRUE Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with TRUE Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TRUE Community Credit Union

Website https://www.trueccu.com

Address 1100 Clinton Rd, Jackson, MI 49202-2060

Phone 517-784-7101

Fax 517-784-6677

President Josh Burgett

CEO Chrissy Siders

Full-Time Employees 207

Part-Time Employees 13

Branch Locations 15

ATM Locations 15

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.21%

Return on Assets (ROA)

0.5446%

Return on Equity (ROE)

4.7007%

Non-Performing Loans Ratio (NPL)

1.59%

Total Assets

954,993,947

Total Amount of Shares and Deposits

836,061,919

Total Shares and Deposits < 1 Year

827,863,897

Total Shares and Deposits 1 3 Years

5,894,778

Total Shares and Deposits > 3 Years

2,303,244

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,463,106

Total Uninsured Shares and Deposits > $250K (F+J)

11,463,106

Total Insured Shares and Deposits > $250K (item 17 less item K)

824,598,813

Total Interest Expense (Sum of items 6 8)

4,314,185

Share Certificates

10,743

Number of Accounts for Share Drafts

44,237

IRA KEOGH Accounts

802

Number of Accounts for Regular Shares

106,565

All other shares

7,820

Money Market Shares

2,503

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

72,962,459

Total Liabilities

846,652,507

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

TRUE Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About TRUE Community Credit Union

Does TRUE Community Credit Union offer CDs?

Yes. TRUE Community Credit Union current CD rates include its CD - 60 month at 3.65% APY, its CD - 48 month at 3.60% APY and its CD - 36 month at 3.55% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from TRUE Community Credit Union NCUA insured?

Yes. TRUE Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at TRUE Community Credit Union?

The highest TRUE Community Credit Union CD rate is its 60 Month Business CD at 3.65% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does TRUE Community Credit Union offer?

TRUE Community Credit Union CD rates are 3.40% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.55% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with TRUE Community Credit Union for its full lineup.

What is the highest savings rate at TRUE Community Credit Union?

The highest TRUE Community Credit Union savings rate is its Business High Yield Savings at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at TRUE Community Credit Union?

The highest TRUE Community Credit Union money market rate is its Super Cash Money Market at 0.70% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at TRUE Community Credit Union?

The highest TRUE Community Credit Union checking rate is its Business Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at TRUE Community Credit Union?

The lowest TRUE Community Credit Union auto loan rate is its New and Used Auto (5 years and newer) at 4.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at TRUE Community Credit Union?

The lowest TRUE Community Credit Union personal loan rate is its Signature Loan at 8.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at TRUE Community Credit Union?

The lowest TRUE Community Credit Union credit card APR is its Business Rewards Visa Credit Card at 10.75% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does TRUE Community Credit Union operate?

TRUE Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join TRUE Community Credit Union?

Yes, to access services at TRUE Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, TRUE Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TRUE Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TRUE Community Credit Union offer online and mobile banking?

Most modern institutions like TRUE Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.trueccu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do TRUE Community Credit Union rates compare?

TRUE Community Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A health rating. TRUE Community Credit Union's top rates are its 60 Month Business CD at 3.65% APY, its Business High Yield Savings at 3.75% APY, its Super Cash Money Market at 0.70% APY, its Business Checking at 0.10% APY, its Signature Loan at 8.24% APR and its Business Rewards Visa Credit Card at 10.75% APR, verified by MonitorBankRates on October 30, 2026.

Current TRUE Community Credit Union Rates

12-Month CD3.40%
24-Month CD3.50%
60-Month CD3.65%
Savings3.75%
MMA0.70%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

TRUE Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

TRUE Community Credit Union Texas Ratio

TRUE Community Credit Union Health Trend

TRUE Community Credit Union CD Rates

TRUE Community Credit Union Business CD Rates

TRUE Community Credit Union Savings Rates

TRUE Community Credit Union Business Savings Rates

TRUE Community Credit Union Money Market Rates

TRUE Community Credit Union Business Checking Rates

TRUE Community Credit Union Home Equity & HELOC

TRUE Community Credit Union Auto Loan Rates

TRUE Community Credit Union RV, Boat and Powersport Loan Rates

TRUE Community Credit Union Credit Card Rates

TRUE Community Credit Union Personal Loan Rates

TRUE Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TRUE Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TRUE Community Credit Union

Does TRUE Community Credit Union offer CDs?

Are CDs from TRUE Community Credit Union NCUA insured?

What is the highest CD rate at TRUE Community Credit Union?

What CD terms does TRUE Community Credit Union offer?

What is the highest savings rate at TRUE Community Credit Union?

What is the highest money market rate at TRUE Community Credit Union?

What is the highest checking rate at TRUE Community Credit Union?

What is the lowest auto loan rate at TRUE Community Credit Union?

What is the lowest personal loan rate at TRUE Community Credit Union?

What is the lowest credit card APR at TRUE Community Credit Union?

How many branches does TRUE Community Credit Union operate?

Is a member application needed to join TRUE Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TRUE Community Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do TRUE Community Credit Union rates compare?

Current TRUE Community Credit Union Rates

Compare to Other Credit Unions