What are the current interest rates at TruNorth Federal Credit Union?

Current rates for TruNorth Federal Credit Union include: 12-Month CD: 3.91%, 24-Month CD: 3.96%, 60-Month CD: 4.11%, Savings: 0.10%, MMA: 0.15%

MonitorBankRates

☰

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

Home›
Credit Unions›
TruNorth Federal Credit Union

iAdvertiser Disclosure

TruNorth Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TruNorth Federal 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 12, 2026

TruNorth Federal Credit Union's top rates as of October 12, 2026 are 4.42% APY on its 60 Month Jumbo CDs CD, 0.10% APY on savings, 0.15% APY on money market accounts, 3.56% APY on checking, 6.88% on its 15 Year Fixed Mortgage, and auto loans from 4.55% APR, according to rates verified by MonitorBankRates. Other TruNorth Federal Credit Union CD rates include 48 Month Jumbo CDs at 4.37%, 36 Month Jumbo CDs at 4.32%, and 24 Month Jumbo CDs at 4.27%. Other TruNorth Federal Credit Union mortgage rates include 10 Year Fixed Mortgage at 6.88%, 20 Year Fixed Mortgage at 7.25%, and 30 Year Fixed Mortgage at 7.50%. MonitorBankRates evaluates the financial stability of TruNorth Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.74%. Rates last updated and verified on 10/12/2026.

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 money market rates and 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.

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

1.74%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TruNorth Federal Credit Union
Main Office

1419 N 2nd St
Ishpeming, MI 49849-1149

https://www.trunorthcu.org

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.

TruNorth Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Jumbo Share Certificates	4.35%	4.42%	60 month
Min Deposit $100,000 Details Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 4.11% → 4.42% ▲ 0.31 pts · high 4.42% / low 4.11% Oct 4, 20264.42%▲ from 4.11% Sep 12, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
48 Month Jumbo Share Certificates	4.30%	4.37%	48 months
Min Deposit $100,000 Details Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06% Oct 4, 20264.37%▲ from 4.06% Sep 12, 20264.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
36 Month Jumbo Share Certificates	4.25%	4.32%	36 months
Min Deposit $100,000 Details Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.96% → 4.32% ▲ 0.36 pts · high 4.32% / low 3.96% Oct 4, 20264.32%▲ from 3.96% Sep 12, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
24 Month Jumbo Share Certificates	4.20%	4.27%	24 months
Min Deposit $100,000 Details Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.91% → 4.27% ▲ 0.36 pts · high 4.27% / low 3.91% Oct 4, 20264.27%▲ from 3.91% Sep 12, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
12 Month Jumbo Share Certificates	4.15%	4.22%	12 months
Min Deposit $100,000 Details Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01% Oct 4, 20264.22%▲ from 4.01% Sep 12, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
6 Month Jumbo Share Certificates	4.10%	4.16%	6 months
Min Deposit $100,000 Details Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.96% → 4.16% ▲ 0.20 pts · high 4.16% / low 3.96% Oct 4, 20264.16%▲ from 3.96% Sep 12, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
60 Month Share Certificates	4.05%	4.11%	60 month
Min Deposit $500 Details Certificate special; will not renew at end of term. Penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
48 Month Share Certificates	4.00%	4.06%	48 months
Min Deposit $500 Details Certificate special; will not renew at end of term. Penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
36 Month Share Certificates	3.95%	4.01%	36 months
Min Deposit $500 Details Certificate special; will not renew at end of term. Penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
24 Month Share Certificates	3.90%	3.96%	24 months
Min Deposit $500 Details Certificate special; will not renew at end of term. Penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
12 Month Share Certificates	3.85%	3.91%	12 months
Min Deposit $500 Details Certificate special; will not renew at end of term. Penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
6 Month Share Certificates	3.80%	3.86%	6 months
Min Deposit $500 Details Certificate special; will not renew at end of term. Penalty may be imposed for early withdrawal. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union Savings Rates

Product	Rate	APY
Compass Club	5.00%	5.10%
Details up to $500; Balance: up to $500.00; APY=Annual Percentage Yield; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Christmas Club	0.10%	0.10%
Details APY=Annual Percentage Yield; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Compass Club	0.10%	0.10%
Details over $500; Balance: over $500.00; APY=Annual Percentage Yield; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Health Savings	0.10%	0.10%
Details APY=Annual Percentage Yield; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Regular Savings	0.10%	0.10%
Details Minimum of $5.00 required; APY=Annual Percentage Yield; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Vacation Club	0.10%	0.10%
Details APY=Annual Percentage Yield; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.15%	0.15%
Min Balance $500 Details Balance: greater than or equal to $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union Checking Rates

Product	Rate	APY	View More
TruRewards Checking	3.50%	3.56%
Details Qualifying balance up to $10,000.00; See details Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	6.88%	-	7.22%	15 years
Details Payment: $2,676; Rates effective as of 10/9/2026; based on a 45 day lock; escrow amounts for taxes and insurance not included Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.22% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
10 Year Fixed Mortgage	6.88%	-	7.359%	10 years
Details Payment: $3,464; Rates effective as of 10/9/2026; based on a 45 day lock; escrow amounts for taxes and insurance not included Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
20 Year Fixed Mortgage	7.25%	-	7.531%	20 years
Details Payment: $2,371; Rates effective as of 10/9/2026; based on a 45 day lock; escrow amounts for taxes and insurance not included Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
30 Year Fixed Mortgage	7.50%	-	7.72%	30 years
Details Payment: $2,098; Rates effective as of 10/9/2026; based on a 45 day lock; escrow amounts for taxes and insurance not included Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.72% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Loan	5.75%	-	5.75%	5 Year
Details Fixed rate for the term of the loan; assumes $50,000 loan amount; loan to value no higher than 80%; APR excludes processing fee; limited to MI properties only; property insurance required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Fixed Home Equity Loan	6.00%	-	6.00%	7 Year
Details Fixed rate for the term of the loan; assumes $50,000 loan amount; loan to value no higher than 80%; APR excludes processing fee; limited to MI properties only; property insurance required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Fixed Home Equity Loan	6.25%	-	6.25%	10 Year
Details Fixed rate for the term of the loan; assumes $50,000 loan amount; loan to value no higher than 80%; APR excludes processing fee; limited to MI properties only; property insurance required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.55%
Details As Low As; Rates As Low As 4.55% APR Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 4.15% → 4.55% ▲ 0.40 pts · high 4.55% / low 4.15% Oct 4, 20264.55%▲ from 4.40% Sep 25, 20264.40%▲ from 4.15% Sep 12, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New & Used Autos	-	-	5.55%	24 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.15% → 5.55% ▲ 0.40 pts · high 5.55% / low 5.15% Oct 4, 20265.55%▲ from 5.40% Sep 25, 20265.40%▲ from 5.15% Sep 12, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New & Used Autos	-	-	5.65%	36 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.25% → 5.65% ▲ 0.40 pts · high 5.65% / low 5.25% Oct 4, 20265.65%▲ from 5.50% Sep 25, 20265.50%▲ from 5.25% Sep 12, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New & Used Autos	-	-	5.85%	48 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.45% → 5.85% ▲ 0.40 pts · high 5.85% / low 5.45% Oct 4, 20265.85%▲ from 5.70% Sep 25, 20265.70%▲ from 5.45% Sep 12, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New & Used Autos	-	-	6.05%	60 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.65% → 6.05% ▲ 0.40 pts · high 6.05% / low 5.65% Oct 4, 20266.05%▲ from 5.90% Sep 25, 20265.90%▲ from 5.65% Sep 12, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New & Used Autos	-	-	6.25%	72 months
Details Some restrictions may apply. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.85% → 6.25% ▲ 0.40 pts · high 6.25% / low 5.85% Oct 4, 20266.25%▲ from 6.10% Sep 25, 20266.10%▲ from 5.85% Sep 12, 20265.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New & Used Autos	-	-	6.40%	84 months
Details Some restrictions may apply. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.00% → 6.40% ▲ 0.40 pts · high 6.40% / low 6.00% Oct 4, 20266.40%▲ from 6.25% Sep 25, 20266.25%▲ from 6.00% Sep 12, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs, Boats, Motorcycles, Campers Loan	-	5.55%	24 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.15% → 5.55% ▲ 0.40 pts · high 5.55% / low 5.15% Oct 4, 20265.55%▲ from 5.40% Sep 25, 20265.40%▲ from 5.15% Sep 12, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Used RVs, Boats, Motorcycles, Campers Loan	-	5.55%	24 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 5.15% → 5.55% ▲ 0.40 pts · high 5.55% / low 5.15% Oct 4, 20265.55%▲ from 5.40% Sep 25, 20265.40%▲ from 5.15% Sep 17, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New RVs, Boats, Motorcycles, Campers Loan	-	5.65%	36 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.25% → 5.65% ▲ 0.40 pts · high 5.65% / low 5.25% Oct 4, 20265.65%▲ from 5.50% Sep 25, 20265.50%▲ from 5.25% Sep 12, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Used RVs, Boats, Motorcycles, Campers Loan	-	5.65%	36 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 2.90% → 5.65% ▲ 2.75 pts · high 5.65% / low 2.90% Oct 8, 20265.65%▲ from 3.15% Sep 25, 20263.15%▲ from 2.90% Sep 12, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New RVs, Boats, Motorcycles, Campers Loan	-	5.85%	48 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.45% → 5.85% ▲ 0.40 pts · high 5.85% / low 5.45% Oct 4, 20265.85%▲ from 5.70% Sep 25, 20265.70%▲ from 5.45% Sep 12, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Used RVs, Boats, Motorcycles, Campers Loan	-	5.85%	48 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 5.45% → 5.85% ▲ 0.40 pts · high 5.85% / low 5.45% Oct 4, 20265.85%▲ from 5.70% Sep 25, 20265.70%▲ from 5.45% Sep 17, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New RVs, Boats, Motorcycles, Campers Loan	-	6.05%	60 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.65% → 6.05% ▲ 0.40 pts · high 6.05% / low 5.65% Oct 4, 20266.05%▲ from 5.90% Sep 25, 20265.90%▲ from 5.65% Sep 12, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Used RVs, Boats, Motorcycles, Campers Loan	-	6.05%	60 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 5.65% → 6.05% ▲ 0.40 pts · high 6.05% / low 5.65% Oct 4, 20266.05%▲ from 5.90% Sep 25, 20265.90%▲ from 5.65% Sep 17, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New RVs, Boats, Motorcycles, Campers Loan	-	6.25%	72 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.85% → 6.25% ▲ 0.40 pts · high 6.25% / low 5.85% Oct 4, 20266.25%▲ from 6.10% Sep 25, 20266.10%▲ from 5.85% Sep 12, 20265.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Used RVs, Boats, Motorcycles, Campers Loan	-	6.25%	72 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 3.40% → 6.25% ▲ 2.85 pts · high 6.25% / low 3.40% Oct 8, 20266.25%▲ from 3.65% Sep 25, 20263.65%▲ from 3.40% Sep 12, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New RVs, Boats, Motorcycles, Campers Loan	-	6.40%	84 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.00% → 6.40% ▲ 0.40 pts · high 6.40% / low 6.00% Oct 4, 20266.40%▲ from 6.25% Sep 25, 20266.25%▲ from 6.00% Sep 12, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Used RVs, Boats, Motorcycles, Campers Loan	-	6.40%	84 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 6.00% → 6.40% ▲ 0.40 pts · high 6.40% / low 6.00% Oct 4, 20266.40%▲ from 6.25% Sep 25, 20266.25%▲ from 6.00% Sep 17, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New RVs, Boats, Motorcycles, Campers Loan	-	6.70%	100 months
Details Requirement: Fixed $30,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.30% → 6.70% ▲ 0.40 pts · high 6.70% / low 6.30% Oct 4, 20266.70%▲ from 6.55% Sep 25, 20266.55%▲ from 6.30% Sep 12, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Used RVs, Boats, Motorcycles, Campers Loan	-	6.70%	100 months
Details Requirement: Fixed $30,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 6.30% → 6.70% ▲ 0.40 pts · high 6.70% / low 6.30% Oct 4, 20266.70%▲ from 6.55% Sep 25, 20266.55%▲ from 6.30% Sep 17, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
New RVs, Boats, Motorcycles, Campers Loan	-	6.90%	120 months
Details Requirement: Fixed $30,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.50% → 6.90% ▲ 0.40 pts · high 6.90% / low 6.50% Oct 4, 20266.90%▲ from 6.75% Sep 25, 20266.75%▲ from 6.50% Sep 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

TruNorth Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Any Purpose Loan	-	-	9.40%
Details As Low As; Rates As Low As 9.40% APR Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 9.00% → 9.40% ▲ 0.40 pts · high 9.40% / low 9.00% Oct 4, 20269.40%▲ from 9.25% Sep 25, 20269.25%▲ from 9.00% Sep 12, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Any Purpose Loans - 36 months	-	-	10.40%	36 months
Details Maximum: $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 10.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Any Purpose Loans - 48 months	-	-	10.90%	48 months
Details Maximum: $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 10.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Any Purpose Loans - 60 months	-	-	11.15%	60 months
Details Maximum: $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Any Purpose Loans - 72 months	-	-	11.40%	72 months
Details Maximum: $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
IRA	2.00%	-	2.02%
Details APY=Annual Percentage Yield; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
Saving Accounts	-	-	0.10%
Min Balance $5 Details Minimum balance of $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%
TruRewards Checking	-	-	3.56%
Details Qualifications Required; Qualifying balance up to $10,000.00 each month Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.74%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

TruNorth Federal Credit Union’s Texas Ratio fell from 2.66% in Q3 2023 to 1.74% 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	$203M	1.74%	5.0	A+
March 31, 2026	$203M	1.28%	5.0	A+
December 31, 2025	$197M	1.49%	5.0	A+
September 30, 2025	$193M	0.54%	5.0	A+
June 30, 2025	$193M	0.56%	5.0	A+
March 31, 2025	$202M	1.04%	5.0	A+
December 31, 2024	$202M	0.47%	5.0	A+
September 30, 2024	$208M	0.28%	5.0	A+
June 30, 2024	$210M	0.70%	5.0	A+
March 31, 2024	$215M	1.16%	5.0	A+
December 31, 2023	$215M	3.42%	5.0	A+
September 30, 2023	$208M	2.66%	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 TruNorth 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 TruNorth 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 TruNorth Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TruNorth Federal Credit Union

Website https://www.trunorthcu.org

Address 1419 N 2nd St, Ishpeming, MI 49849-1149

Phone 906-485-1210

Fax 906-485-4077

President Michael Bath

CEO Stephen Smith

Full-Time Employees 39

Part-Time Employees 4

Branch Locations 3

ATM Locations 2

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

1.74%

Return on Assets (ROA)

0.4728%

Return on Equity (ROE)

4.7269%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

203,475,386

Total Amount of Shares and Deposits

183,964,089

Total Shares and Deposits < 1 Year

179,979,839

Total Shares and Deposits 1 3 Years

2,884,837

Total Shares and Deposits > 3 Years

1,099,412

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

6,325,047

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

6,325,047

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

177,639,042

Total Interest Expense (Sum of items 6 8)

495,484

Share Certificates

1,357

Number of Accounts for Share Drafts

9,962

IRA KEOGH Accounts

292

Number of Accounts for Regular Shares

19,455

All other shares

Money Market Shares

725

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

961,990

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)

5,006,375

Total Liabilities

185,045,804

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

TruNorth 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.

<a href="https://monitorbankrates.com/credit-unions/trunorth-federal-credit-union-rates-review-6332">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for TruNorth 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for TruNorth Federal Credit Union

Frequently Asked Questions About TruNorth Federal Credit Union

How many branches does TruNorth Federal Credit Union operate?

TruNorth 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 TruNorth Federal Credit Union?

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

Does TruNorth Federal Credit Union offer online and mobile banking?

Most modern institutions like TruNorth 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.trunorthcu.org.

Current TruNorth Federal Credit Union Rates

12-Month CD3.91%
24-Month CD3.96%
60-Month CD4.11%
Savings0.10%
MMA0.15%

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

Compare to Other Credit Unions

TruNorth Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

TruNorth Federal Credit Union Texas Ratio

TruNorth Federal Credit Union Health Trend

TruNorth Federal Credit Union CD Rates

TruNorth Federal Credit Union Savings Rates

TruNorth Federal Credit Union Money Market Rates

TruNorth Federal Credit Union Checking Rates

TruNorth Federal Credit Union Mortgage Rates

TruNorth Federal Credit Union Home Equity & HELOC

TruNorth Federal Credit Union Auto Loan Rates

TruNorth Federal Credit Union RV, Boat and Powersport Loan Rates

TruNorth Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TruNorth Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TruNorth Federal Credit Union

How many branches does TruNorth Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TruNorth Federal Credit Union offer online and mobile banking?

Current TruNorth Federal Credit Union Rates

Compare to Other Credit Unions