What are the current interest rates at TRUE NORTH?

Current rates for TRUE NORTH include: 24-Month CD: 4.25%

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TRUE NORTH

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TRUE NORTH Rates & Review September 2026

Q: How many branches does TRUE NORTH operate?

TRUE NORTH 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 TRUE NORTH?

Yes, to access services at TRUE NORTH, 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, TRUE NORTH 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, TRUE NORTH 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: September 3, 2026

TRUE NORTH's 25 Month New Money CD of Deposit Special rates are at 4.25%, 15 Month New Money CD of Deposit Special rates are at 3.75%, 9 Month New Money CD of Deposit Special rates are at 3.25%. TRUE NORTH's Personal Loan Rates are at 5.45%. MonitorBankRates evaluates the financial stability of TRUE NORTH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.17%. Rates last updated and verified on 09/03/2026.

TRUE NORTH 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 NORTH? Share your experience about TRUE NORTH by leaving a review below, or read customer reviews before you decide to use TRUE NORTH.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.17%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

TRUE NORTH
Mendenhall Bldg

2777 Postal Way
Juneau, AK 99801

http://www.truenorthfcu.org

TRUE NORTH Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan Owner Occupied	-	-	7.92%	180 Months
Details Origination Fee 1%, minimum $250; Flood Search Fee $14. Other costs will be passed through, estimated range from $450-$2650. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
Home Equity Lot Loans - Improved Lots	-	-	8.69%	180 months
Details Origination Fee 1%, Minimum $250. Other costs will be passed through, estimated range from $450-$2650. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%

TRUE NORTH Auto Loan Rates

Product	Rate	Points	APR	Term
Autos	-	-	5.45%	12-48 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
Autos	-	-	5.65%	84 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
Autos	-	-	6.65%	96 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
Autos	-	-	7.15%	120 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%

TRUE NORTH Credit Card Rates

Product	Rate	APR
MasterCard	-	9.90%
Details No Annual Fee, Cash Advance Fee or Balance Transfer Fee; APR range: 9.90% - 12.50% Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
Secured MasterCard	-	14.50%
Details No Annual Fee, Cash Advance Fee or Balance Transfer Fee Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%

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

TRUE NORTH’s Texas Ratio rose from 5.58% in Q2 2023 to 6.17% in Q1 2026, so its financial health has held steady at a healthy level 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 amber line marks the 15% level a credit union must stay under 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 threshold

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
March 31, 2026	$237M	6.17%	5.0	A
December 31, 2025	$237M	5.49%	5.0	A+
September 30, 2025	$237M	10.08%	5.0	A
June 30, 2025	$234M	10.23%	5.0	A
March 31, 2025	$246M	10.40%	5.0	A
December 31, 2024	$235M	10.29%	5.0	A
September 30, 2024	$231M	5.06%	5.0	A+
June 30, 2024	$228M	3.19%	5.0	A+
March 31, 2024	$224M	5.57%	5.0	A+
December 31, 2023	$221M	4.64%	5.0	A+
September 30, 2023	$218M	3.38%	5.0	A+
June 30, 2023	$214M	5.58%	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 TRUE NORTH 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 NORTH 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 NORTH's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TRUE NORTH

Website http://www.truenorthfcu.org

Address 2777 Postal Way, Juneau, AK 99801

Phone 907-523-4778

Fax 907-586-8078

President Christine Moleski

CEO Lauren MacVay

Full-Time Employees 63

Part-Time Employees 3

Branch Locations 4

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 (97/100)

Texas Ratio

6.17%

Return on Assets (ROA)

0.0546%

Return on Equity (ROE)

0.5473%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

237,138,404

Total Amount of Shares and Deposits

210,254,295

Total Shares and Deposits < 1 Year

207,362,833

Total Shares and Deposits 1 3 Years

2,699,620

Total Shares and Deposits > 3 Years

191,841

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

15,070,154

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

15,070,154

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

195,184,141

Total Interest Expense (Sum of items 6 8)

554,761

Share Certificates

1,192

Number of Accounts for Share Drafts

7,306

IRA KEOGH Accounts

352

Number of Accounts for Regular Shares

15,356

All other shares

153

Money Market Shares

811

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

129,538

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)

25,903,001

Total Liabilities

214,072,477

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

TRUE NORTH earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/true-north-rates-review-5892">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About TRUE NORTH

How many branches does TRUE NORTH operate?

TRUE NORTH 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 NORTH?

Yes, to access services at TRUE NORTH, 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 NORTH 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 NORTH provides members with tools to manage their accounts and build a solid financial history.

Does TRUE NORTH offer online and mobile banking?

Most modern institutions like TRUE NORTH 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: http://www.truenorthfcu.org.