|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 TRUST Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 29, 2026
TRUST Federal Credit Union's 6-Month CD rates are at 3.90%, 12-Month CD rates are at 3.85%, 18-Month CD rates are at 3.75%, 24-Month CD rates are at 3.50%, 36-Month CD rates are at 3.25%. TRUST Federal Credit Union's savings rates are at 2.50%. TRUST Federal Credit Union's money market rates are at 2.25%. TRUST Federal Credit Union's checking rates are as high as 0.10%. TRUST Federal Credit Union's Balloon Mortgages rates are at 5.99%. TRUST Federal Credit Union's Personal Loan Rates are as low as 9.99%. TRUST Federal Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has a B health rating. MonitorBankRates evaluates the financial stability of TRUST Federal Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.70%. Rates last updated and verified on 10/29/2026. TRUST 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 TRUST Federal Credit Union? Share your experience about TRUST Federal Credit Union by leaving a review below, or read customer reviews before you decide to use TRUST Federal Credit Union. TRUST Federal Credit Union
Main Office 555 Walnut St Ste 100
https://www.trustfcu.com Chattanooga, TN 37402  Customer Reviews
Be the first to review
Write a Review
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. TRUST Federal Credit Union CD Rates
TRUST Federal Credit Union Savings Rates
TRUST Federal Credit Union Money Market Rates
TRUST Federal Credit Union Checking Rates
TRUST Federal Credit Union Mortgage Rates
TRUST Federal Credit Union Home Equity & HELOC
TRUST Federal Credit Union Auto Loan Rates
TRUST Federal Credit Union RV, Boat and Powersport Loan Rates
TRUST Federal Credit Union Personal Loan Rates
TRUST Federal Credit Union Other Rates
Financial Health HistoryTRUST Federal Credit Union’s Texas Ratio rose from 11.59% in Q3 2023 to 20.70% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.5 and its Health Grade from A to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for TRUST 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 TRUST 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 TRUST Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
TRUST Federal Credit Union
Website
https://www.trustfcu.com
Address
555 Walnut St Ste 100,
Chattanooga, TN 37402
Phone
423-870-7610
Fax
President
Tony Sanders
CEO
David Smart
Full-Time Employees
30
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
20.70%
Return on Assets (ROA)
0.1809%
Return on Equity (ROE)
1.5535%
Non-Performing Loans Ratio (NPL)
3.41%
Total Assets
141,815,162
Total Amount of Shares and Deposits
123,744,529
Total Shares and Deposits < 1 Year
118,684,701
Total Shares and Deposits 1 3 Years
5,006,918
Total Shares and Deposits > 3 Years
52,910
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,568,949
Total Uninsured Shares and Deposits > $250K (F+J)
14,568,949
Total Insured Shares and Deposits > $250K (item 17 less item K)
109,175,580
Total Interest Expense (Sum of items 6 8)
1,416,913
Share Certificates
959
Number of Accounts for Share Drafts
4,298
IRA KEOGH Accounts
161
Number of Accounts for Regular Shares
8,551
Money Market Shares
110
Net Income (unless the amount is already included in Undivided Earnings)
256,585
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)
12,373,471
Total Liabilities
128,797,983
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for TRUST Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for TRUST Federal Credit Union
Frequently Asked Questions About TRUST Federal Credit UnionDoes TRUST Federal Credit Union offer CDs?Yes. TRUST Federal Credit Union current CD rates include its 6-Month CD at 3.90% APY, its 12-Month CD at 3.85% APY and its 18-Month CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from TRUST Federal Credit Union NCUA insured?Yes. TRUST 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 TRUST Federal Credit Union?The highest TRUST Federal Credit Union CD rate is its 6-Month CD at 3.90% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does TRUST Federal Credit Union offer?TRUST Federal Credit Union CD rates are 3.90% APY for a 6 month CD, 3.85% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.50% APY for a 2 year CD and 3.25% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with TRUST Federal Credit Union for its full lineup. What is the highest savings rate at TRUST Federal Credit Union?The highest TRUST Federal Credit Union savings rate is its Premium Savings at 2.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at TRUST Federal Credit Union?The highest TRUST Federal Credit Union money market rate is its Premium Money Market Account at 2.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at TRUST Federal Credit Union?The highest TRUST Federal Credit Union checking rate is its Plus Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at TRUST Federal Credit Union?The lowest TRUST Federal Credit Union mortgage rate is its Balloon Mortgages at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at TRUST Federal Credit Union?The lowest TRUST Federal Credit Union auto loan rate is its Vehicle Loan - Used Automobiles - 100,000 miles at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at TRUST Federal Credit Union?The lowest TRUST Federal Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does TRUST Federal Credit Union operate?TRUST 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 TRUST Federal Credit Union?Yes, to access services at TRUST 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, TRUST 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, TRUST Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does TRUST Federal Credit Union offer online and mobile banking?Most modern institutions like TRUST 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.trustfcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do TRUST Federal Credit Union rates compare?TRUST Federal Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has a B health rating. TRUST Federal Credit Union's top rates are its 6-Month CD at 3.90% APY, its Premium Savings at 2.50% APY, its Premium Money Market Account at 2.25% APY, its Plus Checking at 0.10% APY, its Balloon Mortgages at 5.99% and its Personal Loan at 9.99% APR, verified by MonitorBankRates on October 29, 2026. Current TRUST Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Avenir Financial Federal Credit Union
Garden State Federal Credit Union
Peoples Transport Credit Union
Bond Community Federal Credit Union
Solon Chagrin Falls Federal Credit Union
Orlando Credit Union
Louisiana Catholic Federal Credit Union
Marathon County Employees Credit Union
Taylorville School Employees Credit Union
Illinois Valley Credit Union
Guco Credit Union
Guthrie Community Federal Credit Union
Element Federal Credit Union
CSD Credit Union
Allentown Federal Credit Union
Eagle Credit Union
Michigan State University Federal Credit Union
Elements Financial Federal Credit Union
Montell Federal Credit Union
Laredo Federal Credit Union
PSE Credit Union Inc
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
