What are the current interest rates at Tru Fi-Credit Union?

Current rates for Tru Fi-Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.40%, Savings: 1.75%

MonitorBankRates

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Tru Fi-Credit Union

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Tru Fi-Credit Union Rates & Review October 2026

Q: How many branches does Tru Fi-Credit Union operate?

Tru Fi-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.

Q: Is a member application needed to join Tru Fi-Credit Union?

Yes, to access services at Tru Fi-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.

Q: Is there a first-time homebuyer program?

Currently, Tru Fi-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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Tru Fi-Credit Union's top rates as of October 10, 2026 are 4.33% APY on its Traditional Teen 12 month CD Special, 1.75% APY on savings, 9.09% on its Lawn Mowers, Farm Equipment mortgage, personal loans from 10.00% APR, and credit cards from 13.25% APR, according to rates verified by MonitorBankRates. Other Tru Fi-Credit Union CD rates include Traditional Kid's Club 24 month CD Special at 4.25%, 12 Month Tru CDs of Deposit at 3.80%, and 6 Month Tru CDs of Deposit at 3.75%. MonitorBankRates evaluates the financial stability of Tru Fi-Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.68%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.68%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Tru Fi-Credit Union
Macclenny Branch

602 S 6th St
Macclenny, FL 32063-2608

https://www.truficu.org

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

Tru Fi-Credit Union CD Rates

Product	Rate	APY	Term
Traditional Teen 12 month CD Special	4.25%	4.33%	12 month
Min Balance $0 Details Tru Traditional/Roth IRA Accounts Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.33% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Traditional Kid's Club 24 month CD Special	4.17%	4.25%	24 month
Min Balance $0 Details Tru Traditional/Roth IRA Accounts Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
12 Month Tru Certificates of Deposit	3.74%	3.80%	12 Months
Min Balance $0 Details Balance: < $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
12 Month Tru Certificates of Deposit	3.74%	3.80%	12 Months
Min Balance $5,000 Details Balance: $5,000 - 25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
12 Month Tru Certificates of Deposit	3.74%	3.80%	12 Months
Min Balance $25,001 Details Balance: $25,001 - 50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
12 Month Tru Certificates of Deposit	3.74%	3.80%	12 Months
Min Balance $50,001 Details Balance: $50,001 - 75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
12 Month Tru Certificates of Deposit	3.74%	3.80%	12 Months
Min Balance $75,000 Details Balance: $75,000 - 100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
12 Month Tru Certificates of Deposit	3.74%	3.80%	12 Months
Min Balance $100,001 Details Balance: > $100,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
6 Month Tru Certificates of Deposit	3.69%	3.75%	6 Months
Min Balance $0 Details Balance: < $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
6 Month Tru Certificates of Deposit	3.69%	3.75%	6 Months
Min Balance $5,000 Details Balance: $5,000 - 25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
6 Month Tru Certificates of Deposit	3.69%	3.75%	6 Months
Min Balance $25,001 Details Balance: $25,001 - 50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
6 Month Tru Certificates of Deposit	3.69%	3.75%	6 Months
Min Balance $50,001 Details Balance: $50,001 - 75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
6 Month Tru Certificates of Deposit	3.69%	3.75%	6 Months
Min Balance $75,000 Details Balance: $75,000 - 100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
6 Month Tru Certificates of Deposit	3.69%	3.75%	6 Months
Min Balance $100,001 Details Balance: > $100,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
18 Month Tru Certificates of Deposit	3.45%	3.50%	18 Months
Min Balance $0 Details Balance: < $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
18 Month Tru Certificates of Deposit	3.45%	3.50%	18 Months
Min Balance $5,000 Details Balance: $5,000 - 25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
18 Month Tru Certificates of Deposit	3.45%	3.50%	18 Months
Min Balance $25,001 Details Balance: $25,001 - 50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
18 Month Tru Certificates of Deposit	3.45%	3.50%	18 Months
Min Balance $50,001 Details Balance: $50,001 - 75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
18 Month Tru Certificates of Deposit	3.45%	3.50%	18 Months
Min Balance $75,000 Details Balance: $75,000 - 100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
18 Month Tru Certificates of Deposit	3.45%	3.50%	18 Months
Min Balance $100,001 Details Balance: > $100,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
24 Month Tru Certificates of Deposit	3.45%	3.50%	24 Months
Min Balance $0 Details Balance: < $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
24 Month Tru Certificates of Deposit	3.45%	3.50%	24 Months
Min Balance $5,000 Details Balance: $5,000 - 25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
24 Month Tru Certificates of Deposit	3.45%	3.50%	24 Months
Min Balance $25,001 Details Balance: $25,001 - 50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
24 Month Tru Certificates of Deposit	3.45%	3.50%	24 Months
Min Balance $50,001 Details Balance: $50,001 - 75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
24 Month Tru Certificates of Deposit	3.45%	3.50%	24 Months
Min Balance $75,000 Details Balance: $75,000 - 100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
24 Month Tru Certificates of Deposit	3.45%	3.50%	24 Months
Min Balance $100,001 Details Balance: > $100,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
36 Month Tru Certificates of Deposit	3.45%	3.50%	36 Months
Min Balance $0 Details Balance: < $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
36 Month Tru Certificates of Deposit	3.45%	3.50%	36 Months
Min Balance $5,000 Details Balance: $5,000 - 25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
36 Month Tru Certificates of Deposit	3.45%	3.50%	36 Months
Min Balance $25,001 Details Balance: $25,001 - 50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
36 Month Tru Certificates of Deposit	3.45%	3.50%	36 Months
Min Balance $50,001 Details Balance: $50,001 - 75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
36 Month Tru Certificates of Deposit	3.45%	3.50%	36 Months
Min Balance $75,000 Details Balance: $75,000 - 100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
36 Month Tru Certificates of Deposit	3.45%	3.50%	36 Months
Min Balance $100,001 Details Balance: > $100,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
48 Month Tru Certificates of Deposit	3.45%	3.50%	48 Months
Min Balance $0 Details Balance: < $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
48 Month Tru Certificates of Deposit	3.45%	3.50%	48 Months
Min Balance $5,000 Details Balance: $5,000 - 25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
48 Month Tru Certificates of Deposit	3.45%	3.50%	48 Months
Min Balance $25,001 Details Balance: $25,001 - 50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
48 Month Tru Certificates of Deposit	3.45%	3.50%	48 Months
Min Balance $50,001 Details Balance: $50,001 - 75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
48 Month Tru Certificates of Deposit	3.45%	3.50%	48 Months
Min Balance $75,000 Details Balance: $75,000 - 100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
48 Month Tru Certificates of Deposit	3.45%	3.50%	48 Months
Min Balance $100,001 Details Balance: > $100,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
60 Month Tru Certificates of Deposit	3.35%	3.40%	60 Months
Min Balance $0 Details Balance: < $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
60 Month Tru Certificates of Deposit	3.35%	3.40%	60 Months
Min Balance $5,000 Details Balance: $5,000 - 25,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
60 Month Tru Certificates of Deposit	3.35%	3.40%	60 Months
Min Balance $25,001 Details Balance: $25,001 - 50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
60 Month Tru Certificates of Deposit	3.35%	3.40%	60 Months
Min Balance $50,001 Details Balance: $50,001 - 75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
60 Month Tru Certificates of Deposit	3.35%	3.40%	60 Months
Min Balance $75,000 Details Balance: $75,000 - 100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
60 Month Tru Certificates of Deposit	3.35%	3.40%	60 Months
Min Balance $100,001 Details Balance: > $100,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

Tru Fi-Credit Union Savings Rates

Product	Rate	APY
Club Savings	1.74%	1.75%
Min Balance $150,000 Details Balance: > $150,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Club Savings	1.54%	1.55%
Min Balance $100,000 Details Balance: $100,000 - 149,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Kid's Club	1.50%	1.50%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Club Savings	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000 - 99,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Club Savings	1.34%	1.35%
Min Balance $5,000 Details Balance: $5,000 - 49,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Christmas Club	0.25%	0.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Club Savings	0.25%	0.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Kid's Club	0.10%	0.10%
Min Balance $50,001 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Savings Accounts - Regular Share	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

Tru Fi-Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Lawn Mowers, Farm Equipment	-	-	9.09%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

Tru Fi-Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Tru New Vehicle Loans	-	-	4.69%	24 - 36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru New Vehicle Loans	-	-	4.99%	37 - 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru New Vehicle Loans	-	-	5.19%	61 - 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Used Vehicle Loans - Models (not over 7 years or 150k miles)	-	-	5.19%	7 Years
Details Additional APR listed for this product: 5.29%, 5.49%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Used Vehicle Loans - Models (not over 7 years or 150k miles)	-	-	5.79%	7 Years
Details Additional APR listed for this product: 7.50%. Minimum $15k Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru New Vehicle Loans	-	-	5.99%	73 - 84 months
Details Minimum loan amt of $30K Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Used Vehicle Loans - Models (not over 12 years (2014-2018 or 200k miles)	-	-	8.89%	12 Years
Details Additional APR listed for this product: 9.09%, 9.49%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

Tru Fi-Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles Loan	-	6.09%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
New Motorcycles Loan	-	6.89%	61 - 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Boats & Watercraft Loans - New Models	-	6.99%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Used Motorcycles Loan	-	7.09%	Up to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Boats & Watercraft Loans - Used Models	-	7.29%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
New Model ATV's Loan	-	7.49%	Up to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Boats & Watercraft Loans - New Models	-	7.59%	61 - 120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Recreational Motor Homes & Camper Loans - New Models	-	7.59%	Up to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Recreational Motor Homes & Camper Loans - Used Models	-	7.69%	Up to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Used Motorcycles Loan	-	7.89%	49 - 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Boats & Watercraft Loans - New Models	-	7.99%	121 - 144 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Boats & Watercraft Loans - Used Models	-	7.99%	61 - 120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Recreational Motor Homes & Camper Loans - New Models	-	7.99%	73 - 120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Recreational Motor Homes & Camper Loans - Used Models	-	7.99%	73 - 120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Used Model ATV's Loan	-	8.09%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Recreational Motor Homes & Camper Loans - New Models	-	8.39%	121 - 144 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

Tru Fi-Credit Union Credit Card Rates

Product	Rate	APR
Credit Card - Business	-	13.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Credit Card - Platinum	-	13.50%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Credit Card - Secured	-	13.50%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

Tru Fi-Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	10.00%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Unsecured Loan	10.00%	25 - 36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Unsecured Loan	10.79%	37 - 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Personal LOC Loan	14.49%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

Tru Fi-Credit Union Other Rates

Product	Rate	Points	APY/APR
Platinum Loan	-	-	13.50%
Details 0% APR* on balance transfers for the first 6 billing cycles after the transfer has occurred; Regular APR: 13.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Mega Money Draft	1.00%	-	1.00%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Traditional/Roth IRA Accounts	0.50%	-	0.50%
Min Balance $0 Details Balance: < $15,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Traditional/Roth IRA Accounts	0.60%	-	0.60%
Min Balance $15,001 Details Balance: $15,001 to $50,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Traditional/Roth IRA Accounts	0.65%	-	0.65%
Min Balance $50,001 Details Balance: $50,001 to $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Traditional/Roth IRA Accounts	0.85%	-	0.85%
Min Balance $100,001 Details Balance: $100,001 to 150,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%
Tru Traditional/Roth IRA Accounts	0.95%	-	0.95%
Min Balance $150,001 Details Balance: $150,001 or Greater Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.68%

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

Tru Fi-Credit Union’s Texas Ratio rose from 1.15% in Q3 2023 to 2.68% 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	$146M	2.68%	5.0	A+
March 31, 2026	$143M	0.49%	5.0	A+
December 31, 2025	$136M	0.49%	5.0	A+
September 30, 2025	$136M	0.35%	5.0	A+
June 30, 2025	$134M	0.35%	5.0	A+
March 31, 2025	$133M	0.40%	5.0	A+
December 31, 2024	$129M	0.95%	5.0	A+
September 30, 2024	$126M	1.23%	5.0	A+
June 30, 2024	$125M	1.00%	5.0	A+
March 31, 2024	$125M	1.99%	5.0	A+
December 31, 2023	$123M	2.05%	5.0	A+
September 30, 2023	$122M	1.15%	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 Tru Fi-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 Tru Fi-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 Tru Fi-Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tru Fi-Credit Union

Website https://www.truficu.org

Address 602 S 6th St, Macclenny, FL 32063-2608

Phone 904-259-6702

Fax 904-259-2666

President Michael Griffis

CEO Angie Drury

Full-Time Employees 30

Part-Time Employees 3

Branch Locations 3

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.68%

Return on Assets (ROA)

0.8533%

Return on Equity (ROE)

6.7689%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

146,351,817

Total Amount of Shares and Deposits

127,346,027

Total Shares and Deposits < 1 Year

120,576,551

Total Shares and Deposits 1 3 Years

6,024,217

Total Shares and Deposits > 3 Years

745,258

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

15,159,738

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

15,159,738

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

112,186,289

Total Interest Expense (Sum of items 6 8)

985,567

Share Certificates

719

Number of Accounts for Share Drafts

6,171

IRA KEOGH Accounts

227

Number of Accounts for Regular Shares

9,138

All other shares

108

Money Market Shares

114

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

1,248,850

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)

13,160,283

Total Liabilities

128,831,013

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Tru Fi-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.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Tru Fi-Credit Union

How many branches does Tru Fi-Credit Union operate?

Tru Fi-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 Tru Fi-Credit Union?

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

Does Tru Fi-Credit Union offer online and mobile banking?

Most modern institutions like Tru Fi-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.truficu.org.

Current Tru Fi-Credit Union Rates

12-Month CD3.80%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.40%
Savings1.75%

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

Compare to Other Credit Unions

Tru Fi-Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tru Fi-Credit Union Texas Ratio

Tru Fi-Credit Union Health Trend

Tru Fi-Credit Union CD Rates

Tru Fi-Credit Union Savings Rates

Tru Fi-Credit Union Mortgage Rates

Tru Fi-Credit Union Auto Loan Rates

Tru Fi-Credit Union RV, Boat and Powersport Loan Rates

Tru Fi-Credit Union Credit Card Rates

Tru Fi-Credit Union Personal Loan Rates

Tru Fi-Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tru Fi-Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tru Fi-Credit Union

How many branches does Tru Fi-Credit Union operate?

Is a member application needed to join Tru Fi-Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tru Fi-Credit Union offer online and mobile banking?

Current Tru Fi-Credit Union Rates

Compare to Other Credit Unions