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Tru Fi-Credit Union

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Tru Fi-Credit Union Rates & Review June 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: June 16, 2026

You can compare Tru Fi-Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 4.11% and 3-month share certificate rates at 0.60%. Savings rates are at 0.10% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 7.40%. All these rates can be compared to Tru Fi-Credit Union rates. 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 0.35%. Rates were last updated on 06/16/2026.

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.

Ranked #96 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.35%

Excellent Lower than avg

Tru Fi-Credit Union
Macclenny Branch

602 S 6th St
Macclenny, FL 32063 2608

https://www.truficu.org

Current Rate Availability

We do not have Tru Fi-Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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+ (100/100)

Texas Ratio

0.35%

Return on Assets (ROA)

1.3852%

Return on Equity (ROE)

11.2729%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

135,501,091

Total Amount of Shares and Deposits

117,521,498

Total Shares and Deposits < 1 Year

110,604,476

Total Shares and Deposits 1 3 Years

5,188,872

Total Shares and Deposits > 3 Years

1,728,149

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

12,144,154

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

12,144,154

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

105,377,344

Total Interest Expense (Sum of items 6 8)

1,346,635

Share Certificates

635

Number of Accounts for Share Drafts

5,945

IRA KEOGH Accounts

233

Number of Accounts for Regular Shares

8,845

All other shares

108

Money Market Shares

113

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

1,876,988

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,446,356

Total Liabilities

119,680,508

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Tru Fi-Credit Union earned the Top 100 Healthiest 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://www.monitorbankrates.com/credit-unions/tru-fi-credit-union-rates-review-68691">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #96 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer 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.