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TruNorth Federal Credit Union Rates and Review January 2026

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TruNorth Federal Credit Union12-month CD rates can be found at 1.00%, 6-month CD rates at 2.53% and 3-month CD rates at 3.75%. Savings rates are at 0.01% and money market rates are at 1.76%. Mortgage rates on 30-year fixed loans are around 5.93%. Credit Card rates are at 9.90%. Personal Loan rates are at 7.99%. All these rates, and more, can be found in our database of rates which you can compare to TruNorth Federal Credit Union rates.

Compare TruNorth Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of TruNorth Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

TruNorth 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 CD rates or other rates available. Have you opened an account or have any experiences at TruNorth Federal Credit Union? Share your experience about TruNorth Federal Credit Union by leaving a review below, or read customer reviews before you decide to use TruNorth Federal Credit Union.

Overall, TruNorth Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

TruNorth Federal Credit Union
Main Office
1419 N 2nd St
Ishpeming, MI 49849 1149
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
13-Month CD
4.55%
$10,000
3-Month CD
4.25%
$1,000
12-Month CD
4.00%
$2,500
5-Month CD
3.98%
$1,000
6-Month CD
3.90%
$1,000
7-Month CD (Jumbo)
3.87%
$100,000
24-Month CD
3.85%
$1,000
36-Month CD
3.79%
$500
12-Month CD
3.75%
$500
12-Month CD
3.75%
$1,000
36-Month CD
3.60%
$500
6-Month CD
3.58%
$500
18-Month CD
3.55%
$500
36-Month CD
3.54%
$500
12-Month CD
3.50%
$500
24-Month CD
3.44%
$500
48-Month CD
3.30%
$500
48-month CD
3.25%
$500
60-Month CD
3.25%
$500
Money Market
3.00%
$2,500
24-Month CD
3.00%
$1,000
12-Month CD
3.00%
$500
48-Month CD
3.00%
$500
48-Month CD
3.00%
$500
6-Month CD
3.00%
$500
60-Month CD
2.95%
$1,000
48-Month CD
2.50%
$1,000
18-Month CD
2.47%
$500
48-Month CD
2.40%
$1,000
36-Month CD
2.25%
$500
Checking
2.00%
$0
84-Month CD (bump)
2.00%
$250
24-Month CD
1.55%
$1,000
Simplicity Consumer Checking
1.34%
$0
3-Month CD
1.26%
$500
60-Month CD
1.20%
$1,000
48-Month CD
0.75%
$500
24-Month CD
0.50%
$5,000
Savings
0.35%
$10
18-Month CD
0.30%
$1,000
Interest Checking
0.25%
$500
Savings
0.25%
$0
48-Month CD
0.25%
$1,000
48-Month CD
0.20%
$1,000
Statement Money Market
0.10%
$2,500
Regular Savings
0.05%
$100
Savings
0.05%
$5
Savings
0.03%
$50
Savings
0.01%
$100
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
6.000%
6.160%
0.000
5.375%
6.280%
0.000
4.875%
5.275%
0.000
5.750%
5.876%
0.000
5.250%
5.370%
0.000
7/6 Jumbo ARM
5.250%
6.056%
0.110
5.875%
6.010%
0.000
30-Year Fixed
6.000%
6.112%
0.000
6.750%
6.697%
0.000
6.000%
6.000%
0.000
5.500%
6.005%
0.000
5.500%
5.581%
0.000
5.875%
6.359%
0.000
15-Year Fixed
5.625%
5.877%
0.000
5.750%
5.827%
0.000
5.875%
6.118%
0.000
5/6 SOFR ARM Jumbo
5.750%
5.761%
0.000
6.000%
6.085%
0.000
5.875%
6.023%
0.000
30-Year Fixed
5.875%
6.000%
0.000
5.625%
5.787%
0.000
30-Year Fixed
6.000%
6.120%
0.000
5.375%
5.488%
0.250
5/1 ARM
6.750%
6.859%
0.000
15-Year Fixed
5.500%
5.695%
0.000
10-Year Fixed
5.375%
5.473%
0.000
15-Year Fixed
6.150%
6.386%
0.000
30-Year Fixed FHA
5.875%
7.902%
0.000
10-Year Fixed (Power Rate)
5.125%
5.494%
0.000
30-Year Fixed
6.000%
6.068%
0.000
4.875%
5.010%
0.000
30-Year Fixed (Jumbo)
5.625%
5.714%
0.750
5.625%
5.691%
0.000
15 Year Fixed
5.375%
5.608%
0.000
5.875%
5.931%
0.000
5.750%
6.093%
0.000
7/1 ARM (Jumbo)
6.125%
6.231%
0.000
30-Year Fixed (Jumbo)
6.500%
6.546%
0.000
5.500%
5.871%
0.000
5.125%
5.389%
0.000
6.375%
6.544%
0.000
30 Year Fixed
6.000%
6.127%
0.000
5.240%
6.315%
0.000
5.500%
5.620%
0.000
15-Year Fixed
5.375%
5.584%
0.000
15-Year Fixed
5.750%
5.845%
0.000
5.625%
5.760%
0.375
20-Year Fixed
5.625%
5.836%
0.500
15-Year Fixed
5.500%
5.617%
0.000
15-Year Fixed
5.625%
5.743%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
Share-Secured Mastercard
13.900%
Maximum Loan Amount Up to $5,000.00
VISA Signature Rewards
16.740% - 18.000%
VISA Traditional
14.240% - 18.000%
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Visa Platinum Credit Card
8.500%
As low as 8.50%
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
Max Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
18.000%
16.240% - 27.240%
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
15.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Visa Platinum Preferred Student
17.990%
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Platinum Visa
15.350%
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
7.900%
Academic VISA® Gold
15.400%
Visa Balance Transfer
8.990%
The balance transfer rate is good only on balances transferred from non-Achieve credit cards.
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
Term Line of Credit 84 months
8.000%
$0
11.990%
$0
Consolidation Loans
13.060%
$0
1 - 36
10.490%
$0
Personal Loans
11.000%
$0
37 - 60
Unsecured (Signature) Loan
11.000%
$0 - $500
Credit Starter Loan
16.250%
$0
12.490%
$0
10.490%
$0
60 - 60
10.500%
$0 - $5,000
24 - 36
7.750% - 16.750%
$0
1 - 36
12.990%
$0
12
Personal Line of Credit
9.000%
$0
60
10.000%
$0
60
Unsecured Signature Loan
10.250%
$0
25 - 36
Consolidation Loans
14.850%
$0
37 - 60
11.240% - 17.950%
$0
25 - 36
Summer/Holiday Loans
9.500%
$0
A+ Preferred Line Of Credit
10.990%
$0
Debt Consolidation Loan
9.000%
$0
108
8.890%
$0
Personal Lines of Credit
11.900% - 19.400%
$0
Debt Consolidation
13.990%
$0
1 - 72
14.700%
$8,000
60 - 60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have TruNorth Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: TruNorth Federal Credit Union
Full Time Employees: 36
Part Time Employees: 3
President: Michael Bath
CEO: Stephen Smith
Branch Locations: 3
ATM Locations: 4
Corporate Office Address:
1419 N 2nd St
Ishpeming, MI 49849 1149
Phone Number: 906-485-1210
Fax Number: 906-485-4077

Financials

Total Assets:
193,176,905
Total Amount of Shares and Deposits:
175,073,629
Total Shares and Deposits < 1 Year:
171,951,139
Total Shares and Deposits 1 3 Years:
2,527,470
Total Shares and Deposits > 3 Years:
595,020
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
5,095,467
Total Uninsured Shares and Deposits > $250K (F+J):
5,095,467
Total Insured Shares and Deposits > $250K (item 17 less item K):
169,978,162
Total Interest Expense (Sum of items 6 8):
877,910
Share Certificates:
1,425
Number of Accounts for Share Drafts:
9,712
IRA KEOGH Accounts:
308
Number of Accounts for Regular Shares:
19,307
All other shares:
75
Money Market Shares:
731
Net Income (unless the amount is already included in Undivided Earnings):
689,997
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
8,863,053
Total Liabilities:
176,154,419
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Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About TruNorth Federal Credit Union

Is a member application needed to join TruNorth Federal Credit Union?

Yes, to access services at TruNorth Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, TruNorth Federal Credit Union provides a range of mortgage and home equity products.

Is TruNorth Federal Credit Union a safe place to deposit money?

Yes, TruNorth Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does TruNorth Federal Credit Union offer online and mobile banking?

Most modern institutions like TruNorth Federal Credit Union provide digital access including online balance checks and transfers.

Current TruNorth Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions