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TrueCore Federal Credit Union

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TrueCore Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

TrueCore Federal Credit Union's Personal Loan Rates are as low as 8.42%. MonitorBankRates evaluates the financial stability of TrueCore Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.25%. Rates last updated and verified on 09/23/2026.

TrueCore Federal 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 TrueCore Federal Credit Union? Share your experience about TrueCore Federal Credit Union by leaving a review below, or read customer reviews before you decide to use TrueCore Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TrueCore Federal Credit Union
TrueCore Federal Credit Union

215 Deo Dr
newark, OH 43055-3048

https://www.truecore.org

TrueCore Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity 80% LTV	-	-	6.50%	Up to 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Interest-only Home Equity Line of Credit	-	-	6.50%	Up to 60 months
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Fixed Rate Home Equity Up to 80% LTV	-	-	6.75%	61 - 120 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Interest-only Home Equity Line of Credit Up to 80% LTV	-	-	6.75%	10 year
Details Term: 10 year draw 15-year amortization Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Fixed Rate Home Equity Up to 80% LTV	-	-	7.00%	121 - 180 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Interest-only Home Equity Line of Credit	-	-	7.00%	121 - 180 months
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Interest-only Home Equity Line of Credit 85% LTV	-	-	8.25%	10 year
Details Term: 10 year draw 15-year amortization; Rate: Prime + 1.50% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

TrueCore Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos & Trucks (2025-2026)	4.74%	-	5.08%	Up to 60 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New Autos & Trucks (2025-2026)	4.99%	-	5.28%	61 to 72 Months
Details Minimum $15,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Autos & Trucks	4.99%	-	5.33%	Up to 60 Months
Details Year: 2022-2024 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Autos & Trucks	5.49%	-	5.78%	61 to 72 Months
Details Year: 2022-2024 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New Autos & Trucks (2025-2026)	5.74%	-	5.99%	73 to 84 Months
Details Minimum $20,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Autos & Trucks	5.74%	-	6.09%	Up to 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Autos & Trucks	5.99%	-	6.34%	Up to 60 Months
Details Year: 2020-2021 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New Autos & Trucks (2025-2026)	6.74%	-	6.97%	85 to 96 Months
Details Minimum $30,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used Autos & Trucks	6.99%	-	7.38%	Up to 54 Months
Details Year: 2019 and Older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

TrueCore Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	5.24%	5.76%	Up to 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycles Loan	5.74%	6.18%	61 to 72 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boats and RVs Loan	6.24%	6.45%	Up to 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycles Loan	6.24%	6.94%	Up to 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycles Loan	6.74%	7.33%	61 - 72 Months
Details Minimum loan amount $15,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boats and RVs Loan	7.24%	7.38%	61 to 96 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boats and RVs Loan	8.24%	8.34%	97 to 144 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boats and RVs Loan	9.24%	9.33%	145 to 180 Months
Details see policy for requirements Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

TrueCore Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature (Personal) Loans	8.42%	25 to 36 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Signature (Personal) Loans	8.48%	13 to 24 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Signature (Personal) Loans	8.51%	37 to 48 Months*
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Signature (Personal) Loans	8.61%	Up to 12 Months
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Signature (Personal) Loans	9.42%	49 to 60 Months*
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

TrueCore Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New (2025 - 2026) Loan	5.74%	-	6.09%	Up to 72 Months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New (2025 - 2026) Loan	6.74%	-	7.05%	73-84 Months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
New (2025 - 2026) Loan	7.74%	-	8.02%	85-96 Months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used (2018 - 2024) Loan	6.74%	-	7.09%	Up to 72 Months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used (2024 and older) - 61 to 120 Months Loan	8.74%	-	8.86%	61 to 120 Months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Used (2024 and older) - Up to 60 Months Loan	6.74%	-	6.95%	Up to 60 Months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Vacant Land Loans	-	-	6.50%
Details Rates are effective as of November 1, 2025. For purchases, a 20% minimum down payment is required. For refinancing, a 40% minimum down payment is required. Rates are determined by your actual credit score. Rates and terms are subject to change without notice. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

TrueCore Federal Credit Union’s Texas Ratio fell from 2.76% in Q2 2023 to 2.25% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$254M	2.25%	5.0	A+
December 31, 2025	$247M	3.54%	5.0	A+
September 30, 2025	$240M	2.50%	5.0	A+
June 30, 2025	$240M	2.87%	5.0	A+
March 31, 2025	$240M	2.13%	5.0	A+
December 31, 2024	$229M	2.29%	5.0	A+
September 30, 2024	$227M	1.50%	5.0	A+
June 30, 2024	$228M	1.50%	5.0	A+
March 31, 2024	$231M	1.56%	5.0	A+
December 31, 2023	$228M	1.44%	5.0	A+
September 30, 2023	$227M	2.14%	5.0	A+
June 30, 2023	$230M	2.76%	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 TrueCore Federal 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 TrueCore Federal 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 TrueCore Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TrueCore Federal Credit Union

Website https://www.truecore.org

Address 215 Deo Dr, newark, OH 43055-3048

Phone 740-345-6608

Fax

President Benjamin Boring

CEO Jason Hall

Full-Time Employees 59

Part-Time Employees 4

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.25%

Return on Assets (ROA)

0.1265%

Return on Equity (ROE)

1.3835%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

253,773,743

Total Amount of Shares and Deposits

229,706,140

Total Shares and Deposits < 1 Year

228,483,297

Total Shares and Deposits 1 3 Years

662,842

Total Shares and Deposits > 3 Years

560,001

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

5,960,596

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

5,960,596

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

223,745,544

Total Interest Expense (Sum of items 6 8)

561,218

Share Certificates

1,953

Number of Accounts for Share Drafts

13,817

IRA KEOGH Accounts

575

Number of Accounts for Regular Shares

28,190

Money Market Shares

611

Net Income (unless the amount is already included in Undivided Earnings)

320,959

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)

23,502,736

Total Liabilities

233,452,949

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

TrueCore Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About TrueCore Federal Credit Union

How many branches does TrueCore Federal Credit Union operate?

TrueCore Federal 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 TrueCore Federal Credit Union?

Yes, to access services at TrueCore Federal 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, TrueCore Federal 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, TrueCore Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TrueCore Federal Credit Union offer online and mobile banking?

Most modern institutions like TrueCore Federal 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.truecore.org.