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 TRUE Community Credit Union Rates & Review September 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.
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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: September 22, 2026
TRUE Community Credit Union's 60 Month Business CD rates are at 3.65%, 60 Month CDs rates are at 3.65%, 48 Month Business CD rates are at 3.60%, 48 Month CDs rates are at 3.60%, 36 Month Business CD rates are at 3.55%. TRUE Community Credit Union's savings rates are at 0.05%. TRUE Community Credit Union's money market rates are at 0.50%. TRUE Community Credit Union's Personal Loan Rates are as low as 8.24%. TRUE Community Credit Union's Credit Card Rates are at 10.75%. MonitorBankRates evaluates the financial stability of TRUE Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.53%. Rates last updated and verified on 09/22/2026. TRUE Community 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 TRUE Community Credit Union? Share your experience about TRUE Community Credit Union by leaving a review below, or read customer reviews before you decide to use TRUE Community Credit Union. TRUE Community Credit Union
Clinton Road 1100 Clinton Rd
https://www.trueccu.com Jackson, MI 49202-2060 
TRUE Community Credit Union CD Rates
TRUE Community Credit Union Savings Rates
TRUE Community Credit Union Money Market Rates
TRUE Community Credit Union Checking Rates
TRUE Community Credit Union Home Equity & HELOC
TRUE Community Credit Union Auto Loan Rates
TRUE Community Credit Union RV, Boat and Powersport Loan Rates
TRUE Community Credit Union Credit Card Rates
TRUE Community Credit Union Personal Loan Rates
TRUE Community Credit Union Other Rates
Financial Health HistoryTRUE Community Credit Union’s Texas Ratio rose from 4.86% in Q2 2023 to 8.53% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
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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 TRUE Community 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 TRUE Community 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 TRUE Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
TRUE Community Credit Union
Website
https://www.trueccu.com
Address
1100 Clinton Rd,
Jackson, MI 49202-2060
Phone
517-784-7101
Fax
517-784-6677
President
Josh Burgett
CEO
Chrissy Siders
Full-Time Employees
215
Part-Time Employees
6
Branch Locations
15
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.53%
Return on Assets (ROA)
0.2528%
Return on Equity (ROE)
2.2338%
Non-Performing Loans Ratio (NPL)
1.47%
Total Assets
953,202,377
Total Amount of Shares and Deposits
817,951,069
Total Shares and Deposits < 1 Year
808,353,597
Total Shares and Deposits 1 3 Years
7,037,138
Total Shares and Deposits > 3 Years
2,560,334
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,727,429
Total Uninsured Shares and Deposits > $250K (F+J)
9,727,429
Total Insured Shares and Deposits > $250K (item 17 less item K)
808,223,640
Total Interest Expense (Sum of items 6 8)
1,972,420
Share Certificates
10,843
Number of Accounts for Share Drafts
43,489
IRA KEOGH Accounts
829
Number of Accounts for Regular Shares
106,079
All other shares
4,347
Money Market Shares
2,683
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)
98,356,627
Total Liabilities
847,518,001
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for TRUE Community 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 TRUE Community Credit Union
Frequently Asked Questions About TRUE Community Credit UnionHow many branches does TRUE Community Credit Union operate?TRUE Community 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 TRUE Community Credit Union?Yes, to access services at TRUE Community 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, TRUE Community 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, TRUE Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does TRUE Community Credit Union offer online and mobile banking?Most modern institutions like TRUE Community 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.trueccu.com. Current TRUE Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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