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TrueCore Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 28, 2026
TrueCore Federal Credit Union's 26 Month CD - TruePerks rates are at 4.15%, 13 Month CD - TruePerks rates are at 4.10%, 7 Month CD - TruePerks rates are at 4.05%, 13 Month CD rates are at 4.00%, 26 Month CD rates are at 4.00%. TrueCore Federal Credit Union's savings rates are at 0.05%. TrueCore Federal Credit Union's money market rates are at 1.00%. TrueCore Federal Credit Union's checking rates are as high as 3.50%. TrueCore Federal Credit Union's Personal Loan Rates are as low as 8.42%. TrueCore Federal Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.77%. Rates last updated and verified on 10/28/2026.
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.
TrueCore Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
TrueCore Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.77%
ExcellentLower than avg
TrueCore Federal Credit Union Texas Ratio
TrueCore Federal Credit Union's Texas Ratio is 2.77%, which is considered excellent and is lower than the national average of 6.13%.
TrueCore Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.14% to 2.77% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
TrueCore Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
26 Month Share Certificate - TruePerks
-
4.15%
26 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; Limited time offer; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
Oct 15, 20264.15%▲ from 3.75%
Oct 12, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
13 Month Share Certificate - TruePerks
-
4.10%
13 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; Limited time offer; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
Oct 15, 20264.10%▲ from 3.70%
Oct 12, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
7 Month Share Certificate - TruePerks
-
4.05%
7 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; Limited time offer; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
Oct 15, 20264.05%▲ from 3.65%
Oct 12, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
13 Month Share Certificate
-
4.00%
13 months
Min Deposit$500
DetailsLimited time offer; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
26 Month Share Certificate
-
4.00%
26 months
Min Deposit$500
DetailsLimited time offer; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
7 Month Share Certificate
-
4.00%
7 months
Min Deposit$500
DetailsLimited time offer; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
60 Month Share Certificate - TruePerks
-
3.00%
60 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
60 Month Share Certificate
-
2.75%
60 months
Min Deposit$500
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
48 Month Share Certificate - TruePerks
-
2.65%
48 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 2.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
48 Month Share Certificate
-
2.45%
48 months
Min Deposit$500
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 2.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
36 Month Share Certificate - TruePerks
-
2.05%
36 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 2.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
36 Month Share Certificate
-
1.90%
36 months
Min Deposit$500
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 1.90% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
24 Month Share Certificate - TruePerks
-
1.85%
24 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 1.85% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
24 Month Share Certificate
-
1.75%
24 months
Min Deposit$500
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
18 Month Share Certificate - TruePerks
-
1.60%
18 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 1.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
18 Month Share Certificate
-
1.50%
18 months
Min Deposit$500
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Month Share Certificate - TruePerks
-
1.30%
12 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 1.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Month Dollar Dog Club and Money 101 Club Certificate
-
1.25%
12 Months
Min Deposit$250
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Month Dollar Dog Club Certificate
-
1.25%
12 months
Min Deposit$250
DetailsAges: 12 and under; Who: Ages 12 and under
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Month Money 101 Club Certificate
-
1.25%
12 months
Min Deposit$250
DetailsAges: 13-18; Who: Ages 13-18
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Month Share Certificate
-
1.25%
12 months
Min Deposit$500
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
6 Month Share Certificate - TruePerks
-
1.05%
6 months
Min Deposit$500
DetailsTruePerks Membership Rewards APY; APY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 1.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
6 Month Share Certificate
-
1.00%
6 months
Min Deposit$500
DetailsAPY accurate as of September 24, 2026; penalty applies for early withdrawal
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union Savings Rates
Product
Rate
APY
View More
Club Accounts
0.05%
0.05%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Savings
0.05%
0.05%
Min Balance$200
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Special Savers
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500+
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Account
0.995%
1.00%
Min Balance$100,000
DetailsBalance: $100,000.00 and over; A minimum daily balance of $5,000 is required in the account each day to earn dividends; Dividend rates are variable and subject to change monthly without notice after the account is opened
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 1.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Money Market Account
0.847%
0.85%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; A minimum daily balance of $5,000 is required in the account each day to earn dividends; Dividend rates are variable and subject to change monthly without notice after the account is opened
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 0.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Money Market Account
0.747%
0.75%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; A minimum daily balance of $5,000 is required in the account each day to earn dividends; Dividend rates are variable and subject to change monthly without notice after the account is opened
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 0.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Money Market Account
0.499%
0.50%
Min Balance$5,000
DetailsBalance: $5,000 - $24,999.99; A minimum daily balance of $5,000 is required in the account each day to earn dividends; Dividend rates are variable and subject to change monthly without notice after the account is opened
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union Checking Rates
Product
Rate
APY
View More
Smart Start Checking
3.445%
3.50%
DetailsAges: 13-17; Smart Start Checking Rates (ages 13-17); no minimum balance required to open or obtain the disclosed APY
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Checking
0.05%
0.05%
Min Balance$1,000
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Fixed Rate Home Equity
-
-
6.50%
Up to 60 Months
DetailsAs Low As; 80% LTV; Fixed second mortgage loans
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Fixed Rate Home Equity
-
-
6.75%
61 - 120 Months
DetailsAs Low As; Up to 80% LTV; Fixed second mortgage loans
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 6.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Fixed Rate Home Equity
-
-
7.00%
121 - 180 Months
DetailsAs Low As; Up to 80% LTV; Fixed second mortgage loans
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Interest-only Home Equity Line of Credit
7.00%
-
7.00%
DetailsAs Low As; Up to 80% LTV; Variable rate based on Prime Rate index plus margin
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Interest-only Home Equity Line of Credit
8.50%
-
8.50%
DetailsAs Low As; 85% LTV; (Prime + 1.50%) Today's Prime Rate = 7.00%; Variable rate based on Prime Rate index plus margin
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Autos & Trucks (2026-2027)
4.74%
-
5.083%
Up to 60 months
DetailsAs Low As; Rate and APR based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 5.08% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Autos & Trucks (2026-2027)
4.99%
-
5.279%
61 to 72 Months
DetailsAs Low As; Minimum loan $15,000; Rate and APR based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 5.28% APR · checked 5 times
No change since Sep 16, 2026 · 5.78% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Autos & Trucks (2026-2027)
5.74%
-
5.993%
73 to 84 Months
DetailsAs Low As; Minimum loan $20,000; Rate and APR based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used Autos & Trucks
5.99%
-
6.337%
Up to 60 Months
DetailsAs Low As; Year: 2021-2022
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.34% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Autos & Trucks (2026-2027)
6.74%
-
6.967%
85 to 96 Months
DetailsAs Low As; Minimum loan $30,000; Rate and APR based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 6.97% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used Autos & Trucks
6.99%
-
7.376%
Up to 54 Months
DetailsAs Low As; Year: 2020 and Older
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.38% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles New (2026 - 2027) Loan
5.24%
5.757%
Up to 60 Months
DetailsAs Low As; Rate - 5.24% Rate - 5.757% APR; Rates effective as of October 1, 2026; based on TruePerks membership and a credit score of 700 or better; APR calculation based on $20,000 loan and $249 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 5.76% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
UTV/ATV New (2026 - 2027) Loan
5.74%
6.09%
Up to 72 Months
DetailsAs Low As; New financing only; refinancing of existing loans is not eligible; based on TruePerks membership and a credit score of 700 or better; maximum loan size $50,000.00
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Motorcycles New (2026 - 2027) Loan
5.74%
6.179%
61 to 72 Months
DetailsAs Low As; Minimum loan $15,000; Rates effective as of October 1, 2026; based on TruePerks membership and a credit score of 700 or better; APR calculation based on $20,000 loan and $249 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.18% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Boats and RVs New (2026 - 2027) Loan
6.24%
6.448%
Up to 60 Months
DetailsAs Low As; Rates effective as of October 1, 2026; Rate based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.45% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used Motorcycle Loan
6.24%
6.939%
Up to 60 Months
DetailsAs Low As; Used (2025 and older); Rate and terms effective as of October 1, 2026; based on TruePerks membership and credit score of 700 or better; APR calculated on $15,000 loan amount and $249 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.94% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used Boats and RVs Loan
6.74%
6.949%
Up to 60 Months
DetailsAs Low As; Used (2025 and older); Rates effective as of October 1, 2026; APR calculated on $50,000 loan with $249 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.95% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
UTV/ATV New (2026 - 2027) Loan
6.74%
7.048%
73-84 Months
DetailsAs Low As; New financing only; refinancing of existing loans is not eligible; based on TruePerks membership and a credit score of 700 or better; maximum loan size $50,000.00
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.05% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
UTV/ATV Used (2019 - 2025) Loan
6.74%
7.094%
Up to 72 Months
DetailsAs Low As; Used (2019 - 2025); New financing only; refinancing of existing loans is not eligible; based on TruePerks membership and a credit score of 700 or better; APR calculation based on $25,000.00 loan amount and $249.00 processing fee; maximum loan size $50,000.00
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used Motorcycle Loan
6.74%
7.334%
61 - 72 Months
DetailsAs Low As; Used (2025 and older); Minimum loan $15,000; Rate and terms effective as of October 1, 2026; based on TruePerks membership and credit score of 700 or better; APR calculated on $15,000 loan amount and $249 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.33% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Boats and RVs New (2026 - 2027) Loan
7.24%
7.377%
61 to 96 Months
DetailsAs Low As; Minimum loan $20,000; Rates effective as of October 1, 2026; Rate based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
UTV/ATV New (2026 - 2027) Loan
7.74%
8.017%
85-96 Months
DetailsAs Low As; New financing only; refinancing of existing loans is not eligible; based on TruePerks membership and a credit score of 700 or better; maximum loan size $50,000.00
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 8.02% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Boats and RVs New (2026 - 2027) Loan
8.24%
8.339%
97 to 144 Months
DetailsAs Low As; Minimum loan $30,000; Rates effective as of October 1, 2026; Rate based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.34% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used Boats and RVs Loan
8.74%
8.856%
61 to 120 Months
DetailsAs Low As; Used (2025 and older); Minimum $20,000; Rates effective as of October 1, 2026; APR calculated on $50,000 loan with $249 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.86% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Boats and RVs New (2026 - 2027) Loan
9.24%
9.325%
145 to 180 Months
DetailsAs Low As; Minimum loan $40,000; See policy for requirements; Rates effective as of October 1, 2026; Rate based on TruePerks membership and 700+ credit score
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.33% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature (Personal) Loans
8.416%
25 to 36 Months
DetailsAs Low As; Rate - APR; TruePerks membership and credit score of 740 or better; APR based on $10,000 loan and $99 processing fee
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.42% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loans
8.477%
13 to 24 Months
DetailsAs Low As; Rate - APR; TruePerks membership and credit score of 740 or better; APR based on $10,000 loan and $99 processing fee
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.48% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loans
8.508%
37 to 48 Months
DetailsAs Low As; Rate - APR; TruePerks membership and credit score of 740 or better; Loan Committee or CLS approval required; APR based on $10,000 loan and $99 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 8.51% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loans
8.612%
Up to 12 Months
DetailsAs Low As; Rate - APR; TruePerks membership and credit score of 740 or better; APR based on $10,000 loan and $99 processing fee
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.61% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loans
9.416%
49 to 60 Months
DetailsAs Low As; Rate - APR; TruePerks membership and credit score of 740 or better; Loan Committee or CLS approval required; APR based on $10,000 loan and $99 processing fee
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 9.42% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
TrueCore Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Antiques/Classics/Collectors Loan
5.74%
-
6.086%
Up to 60 Months
DetailsAs Low As; Vehicle age: 25 years or older; "As low as" rates based on TruePerks membership and credit score of 700 or better; Rates effective as of October 1, 2026
Last Updated10/28/2026
Rate History
1 change since Oct 4, 2026 · 6.50% → 6.09% ▼ 0.41 pts · high 6.50% / low 6.09%
Oct 15, 20266.09%▼ from 6.50%
Oct 4, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Vacant Land Loan
6.50%
-
6.50%
Up to 60 months
DetailsAs Low As; Rates effective as of November 1, 2025; For purchases, 20% minimum down payment required; For refinancing, 40% minimum down payment required; Rates determined by actual credit score
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 6.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Vacant Land Loan
6.75%
-
6.75%
61 - 120 months
DetailsAs Low As; Rates effective as of November 1, 2025; For purchases, 20% minimum down payment required; For refinancing, 40% minimum down payment required; Rates determined by actual credit score
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 6.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Vacant Land Loan
7.00%
-
7.00%
121 - 180 months
DetailsAs Low As; Rates effective as of November 1, 2025; For purchases, 20% minimum down payment required; For refinancing, 40% minimum down payment required; Rates determined by actual credit score
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 7.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 12 Months
-
-
1.25%
12 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 12 Months - TruePerks
-
-
1.30%
12 Months
Min Deposit$500
DetailsTruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 13 Months
-
-
4.00%
13 Months
Min Deposit$500
DetailsLimited time offer
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 13 Months - TruePerks
-
-
4.10%
13 Months
Min Deposit$500
DetailsLimited time offer; TruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 18 Months
-
-
1.50%
18 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 18 Months - TruePerks
-
-
1.60%
18 Months
Min Deposit$500
DetailsTruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 24 Months
-
-
1.75%
24 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 24 Months - TruePerks
-
-
1.85%
24 Months
Min Deposit$500
DetailsTruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 26 Months
-
-
4.00%
26 Months
Min Deposit$500
DetailsLimited time offer
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 26 Months - TruePerks
-
-
4.15%
26 Months
Min Deposit$500
DetailsLimited time offer; TruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 36 Months
-
-
1.90%
36 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 36 Months - TruePerks
-
-
2.05%
36 Months
Min Deposit$500
DetailsTruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 2.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 48 Months
-
-
2.45%
48 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 2.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 48 Months - TruePerks
-
-
2.65%
48 Months
Min Deposit$500
DetailsTruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 6 Months
-
-
1.00%
6 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 6 Months - TruePerks
-
-
1.05%
6 Months
Min Deposit$500
DetailsTruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 60 Months
-
-
2.75%
60 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 60 Months - TruePerks
-
-
3.00%
60 Months
Min Deposit$500
DetailsTruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 7 Months
-
-
4.00%
7 Months
Min Deposit$500
DetailsLimited time offer
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Certificate - 7 Months - TruePerks
-
-
4.05%
7 Months
Min Deposit$500
DetailsLimited time offer; TruePerks Membership Rewards rate
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Dollar Dog Club and Money 101 Club Certificate - 12 Months
1.243%
-
1.25%
12 Months
Min Deposit$250
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
IRA Accounts
0.05%
-
0.05%
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Financial Health History
TrueCore Federal Credit Union’s Texas Ratio rose from 2.14% in Q3 2023 to 2.77% in Q2 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
June 30, 2026
$255M
2.77%
5.0
A+
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+
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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,643,191
Total Uninsured Shares and Deposits > $250K (F+J)
6,643,191
Total Insured Shares and Deposits > $250K (item 17 less item K)
224,650,548
Total Interest Expense (Sum of items 6 8)
1,141,413
Share Certificates
1,963
Number of Accounts for Share Drafts
13,869
IRA KEOGH Accounts
574
Number of Accounts for Regular Shares
28,341
Money Market Shares
628
Net Income (unless the amount is already included in Undivided Earnings)
865,395
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)
19,624,373
Total Liabilities
235,036,474
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
TrueCore Federal 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for TrueCore Federal Credit Union
Frequently Asked Questions About TrueCore Federal Credit Union
Does TrueCore Federal Credit Union offer CDs?
Yes. TrueCore Federal Credit Union current CD rates include its 26 Month CD - TruePerks at 4.15% APY, its 13 Month CD - TruePerks at 4.10% APY and its 7 Month CD - TruePerks at 4.05% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from TrueCore Federal Credit Union NCUA insured?
Yes. TrueCore Federal 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 TrueCore Federal Credit Union?
The highest TrueCore Federal Credit Union CD rate is its 26 Month CD - TruePerks at 4.15% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does TrueCore Federal Credit Union offer?
TrueCore Federal Credit Union CD rates are 4.05% APY for a 7 month CD, 1.25% APY for a 12 month CD, 4.10% APY for a 13 month CD, 1.50% APY for an 18 month CD, 1.75% APY for a 2 year CD, 4.15% APY for a 26 month CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with TrueCore Federal Credit Union for its full lineup.
What is the highest savings rate at TrueCore Federal Credit Union?
The highest TrueCore Federal Credit Union savings rate is its Savings at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at TrueCore Federal Credit Union?
The highest TrueCore Federal Credit Union money market rate is its Money Market Account at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest checking rate at TrueCore Federal Credit Union?
The highest TrueCore Federal Credit Union checking rate is its Smart Start Checking at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest auto loan rate at TrueCore Federal Credit Union?
The lowest TrueCore Federal Credit Union auto loan rate is its New Autos & Trucks (2026-2027) at 4.74%, verified by MonitorBankRates as of October 28, 2026.
What is the lowest personal loan rate at TrueCore Federal Credit Union?
The lowest TrueCore Federal Credit Union personal loan rate is its Signature (Personal) Loans at 6.74%, verified by MonitorBankRates as of October 28, 2026.
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.
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 TrueCore Federal Credit Union rates compare?
TrueCore Federal Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. TrueCore Federal Credit Union's top rates are its 26 Month CD - TruePerks at 4.15% APY, its Savings at 0.05% APY, its Money Market Account at 1.00% APY, its Smart Start Checking at 3.50% APY and its Signature (Personal) Loans at 8.416% APR, verified by MonitorBankRates on October 28, 2026.
Current TrueCore Federal Credit Union Rates
12-Month CD1.25%
18-Month CD1.50%
24-Month CD1.75%
60-Month CD2.75%
Savings0.05%
MMA1.00%
Retrieved from our database of financial products. Rates subject to change.