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TrueCore Federal Credit Union Rates & Review October 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 12, 2026
TrueCore Federal Credit Union's top rates as of October 12, 2026 are 4.15% APY on its 26 month CD - TruePerks, 0.05% APY on savings, 1.00% APY on money market accounts, 3.50% APY on checking, and personal loans from 8.42% APR, according to rates verified by MonitorBankRates. Other TrueCore Federal Credit Union CD rates include 13 month CD - TruePerks at 4.10%, 7 month CD - TruePerks at 4.05%, and 13 month CD at 4.00%. 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 10/12/2026.
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 Certificate - TruePerks
-
4.15%
26 Months
Min Deposit$500
DetailsTruePerks rate; Limited time offer
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
13 month Certificate - TruePerks
-
4.10%
13 Months
Min Deposit$500
DetailsTruePerks rate; Limited time offer
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
7 month Certificate - TruePerks
-
4.05%
7 Months
Min Deposit$500
DetailsTruePerks rate; Limited time offer
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
13 month Certificate
-
4.00%
13 Months
Min Deposit$500
DetailsLimited time offer
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
26 month Certificate
-
4.00%
26 Months
Min Deposit$500
DetailsLimited time offer
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
7 month Certificate
-
4.00%
7 Months
Min Deposit$500
DetailsLimited time offer
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
26 Month Share Certificate - TruePerks
-
3.75%
26 months
Min Deposit$500
DetailsLimited time offer; TruePerks Membership Rewards APY
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
13 Month Share Certificate - TruePerks
-
3.70%
13 months
Min Deposit$500
DetailsLimited time offer; TruePerks Membership Rewards APY
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
7 Month Share Certificate - TruePerks
-
3.65%
7 months
Min Deposit$500
DetailsLimited time offer; TruePerks Membership Rewards APY
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.65% APY
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
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
60 Month Share Certificate
-
2.75%
60 months
Min Deposit$500
DetailsStandard APY
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 3 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
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
48 Month Share Certificate
-
2.45%
48 months
Min Deposit$500
DetailsStandard APY
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 2.45% APY · checked 3 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
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
36 Month Share Certificate
-
1.90%
36 months
Min Deposit$500
DetailsStandard APY
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 1.90% APY · checked 3 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
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
24 Month Share Certificate
-
1.75%
24 months
Min Deposit$500
DetailsStandard APY
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 1.75% APY · checked 3 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
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
18 Month Share Certificate
-
1.50%
18 months
Min Deposit$500
DetailsStandard APY
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 3 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
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Month Dollar Dog Club and Money 101 Club Certificate
1.243%
1.25%
12 Months
Min Deposit$250
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 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
DetailsStandard APY
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Dollar Dog and Money 101 Club Certificate - 12 month
1.243%
1.25%
12 Months
Min Deposit$250
DetailsYouth certificate for Dollar Dog Club (age 12 and under) and Money 101 Club (ages 13-17) members
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.25% APY
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
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
6 Month Share Certificate
-
1.00%
6 months
Min Deposit$500
DetailsStandard APY
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 3 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 Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Share Savings
0.05%
0.05%
Min Balance$200
DetailsMin. to earn dividends: $200
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Special Savers
0.05%
0.05%
Min Balance$2,500
DetailsMin. to earn dividends: $2,500 or more
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 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
0.995%
1.00%
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Money Market
0.847%
0.85%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.85% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Money Market
0.747%
0.75%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Money Market
0.499%
0.50%
Min Balance$5,000
DetailsBalance: $5,000 - $24,999.99
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 4 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%
DetailsFor members age 13 to 17; rates adjustable monthly on the 1st; no minimum balance required to open or obtain APY
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Checking
0.05%
0.05%
Min Balance$1,000
DetailsMin. to earn dividends: $1,000
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 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 80% LTV
-
-
6.50%
Up to 60 Months
DetailsAs Low As; LTV: 80%
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Fixed Rate Home Equity Up to 80% LTV
-
-
6.75%
61 - 120 Months
DetailsAs Low As; LTV: Up to 80%
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Fixed Rate Home Equity Up to 80% LTV
-
-
7.00%
121 - 180 Months
DetailsAs Low As; LTV: Up to 80%
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Interest-only Home Equity Line of Credit Up to 80% LTV
7.00%
-
7.00%
DetailsAs Low As; 10 year draw, 15-year amortization; Variable rate based on Prime
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
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; Based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 4, 2026 · 5.08% APR · checked 2 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; Based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 4, 2026 · 5.28% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Used Autos & Trucks
4.99%
-
5.333%
Up to 60 Months
DetailsAs Low As; Year: 2023-2025
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 5.33% APR · checked 5 times
No change since Sep 16, 2026 · 5.78% APR · checked 5 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; Based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 4, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Antiques/Classics/Collectors Auto Loan
5.74%
-
6.086%
Up to 60 Months
DetailsAs Low As; Vehicles 25 years or older; based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.09% APR
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 Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 6.34% APR · checked 5 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; Based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 4, 2026 · 6.97% APR · checked 2 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 Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 7.38% APR · checked 5 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
New Motorcycles (2026 - 2027) Loan
5.24%
5.757%
Up to 60 Months
DetailsAs Low As; Based on TruePerks membership and a credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 5.76% APR
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; Based on TruePerks membership and credit score of 700 or better; new financing only
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.09% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Motorcycles (2026 - 2027) Loan
5.74%
6.179%
61 to 72 Months
DetailsAs Low As; Minimum loan $15,000; Based on TruePerks membership and a credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.18% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Boats and RVs Loan
6.24%
6.448%
Up to 60 Months
DetailsAs Low As; New (2026 - 2027); based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.45% APR
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); based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.94% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Boats and RVs Used (2025 and older) - Up to 60 Months Loan
6.74%
6.949%
Up to 60 Months
DetailsAs Low As; Based on TruePerks membership and a credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.95% APR
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; Based on TruePerks membership and credit score of 700 or better; new financing only
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.05% APR
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; Based on TruePerks membership and a credit score of 700 or better; New financing only, refinancing of existing loans not eligible; Maximum loan size of $50,000.00
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.09% APR
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; based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.33% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Boats and RVs Loan
7.24%
7.377%
61 to 96 Months
DetailsAs Low As; New (2026 - 2027); minimum $20,000; based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.38% APR
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; Based on TruePerks membership and credit score of 700 or better; new financing only
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.02% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Boats and RVs Loan
8.24%
8.339%
97 to 144 Months
DetailsAs Low As; New (2026 - 2027); minimum $30,000; based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.34% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Boats and RVs Used (2025 and older) - 61 to 120 Months Loan
8.74%
8.856%
61 to 120 Months
DetailsAs Low As; Minimum $20,000; Based on TruePerks membership and a credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.86% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
New Boats and RVs Loan
9.24%
9.325%
145 to 180 Months
DetailsAs Low As; New (2026 - 2027); minimum $40,000; see policy for requirements; based on TruePerks membership and credit score of 700 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 9.33% APR
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) Loan
8.416%
25 to 36 Months
DetailsAs Low As; Based on TruePerks membership and credit score of 740 or better
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 8.42% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loan
8.477%
13 to 24 Months
DetailsAs Low As; Based on TruePerks membership and credit score of 740 or better
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 8.48% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loan
8.508%
37 to 48 Months
DetailsAs Low As; Loan Committee or CLS approval required; Based on TruePerks membership and credit score of 740 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.51% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loan
8.612%
Up to 12 Months
DetailsAs Low As; Based on TruePerks membership and credit score of 740 or better
Last Updated10/12/2026
Rate History
No change since Sep 16, 2026 · 8.61% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Signature (Personal) Loan
9.416%
49 to 60 Months
DetailsAs Low As; Loan Committee or CLS approval required; Based on TruePerks membership and credit score of 740 or better
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 9.42% APR
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
Vacant Land Loans
6.50%
-
6.50%
Up to 60 months
DetailsAs Low As; For purchases, 20% minimum down payment required; for refinancing, 40% minimum down payment required
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Vacant Land Loans
6.75%
-
6.75%
61 - 120 months
DetailsAs Low As; For purchases, 20% minimum down payment required; for refinancing, 40% minimum down payment required
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Vacant Land Loans
7.00%
-
7.00%
121 - 180 months
DetailsAs Low As; For purchases, 20% minimum down payment required; for refinancing, 40% minimum down payment required
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Months Certificate
-
-
1.25%
12 Months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
12 Months Certificate - TruePerks
-
-
1.30%
12 Months
Min Deposit$500
DetailsTruePerks rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
18 Months Certificate
-
-
1.50%
18 Months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
18 Months Certificate - TruePerks
-
-
1.60%
18 Months
Min Deposit$500
DetailsTruePerks rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
24 Months Certificate
-
-
1.75%
24 Months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
24 Months Certificate - TruePerks
-
-
1.85%
24 Months
Min Deposit$500
DetailsTruePerks rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
36 Months Certificate
-
-
1.90%
36 Months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
36 Months Certificate - TruePerks
-
-
2.05%
36 Months
Min Deposit$500
DetailsTruePerks rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
48 Months Certificate
-
-
2.45%
48 Months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
48 Months Certificate - TruePerks
-
-
2.65%
48 Months
Min Deposit$500
DetailsTruePerks rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 2.65% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
6 Months Certificate
-
-
1.00%
6 Months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
6 Months Certificate - TruePerks
-
-
1.05%
6 Months
Min Deposit$500
DetailsTruePerks rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 1.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
60 Months Certificate
-
-
2.75%
60 Months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
60 Months Certificate - TruePerks
-
-
3.00%
60 Months
Min Deposit$500
DetailsTruePerks rate
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Dollar Dog Club
-
-
1.25%
12 months
Min Deposit$250
DetailsAges: 12 and under
Last Updated10/12/2026
Rate History
No change since Sep 25, 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 Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.77%
Money 101 Club
-
-
1.25%
12 months
Min Deposit$250
DetailsAges: 13-18
Last Updated10/12/2026
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 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
Q2 2026 MBR Health & Safety Badge
TrueCore Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
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
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.
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.