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

Current rates for TruChoice Federal Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.85%, Savings: 0.00%, MMA: 0.00%

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TruChoice Federal Credit Union

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TruChoice Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TruChoice 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: August 28, 2026

TruChoice Federal Credit Union's 12 month CD rates are at 4.00%, 24 month CD rates are at 3.85%, 6 month CD rates are at 3.75%, Save Up CD - 12 month rates are at 3.50%, Save Up CD - 6 month rates are at 3.25%. TruChoice Federal Credit Union's savings rates are at 0.00%. TruChoice Federal Credit Union's money market rates are at 0.00%. TruChoice Federal Credit Union's Personal Loan Rates are at 4.25%. MonitorBankRates evaluates the financial stability of TruChoice Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.72%. Rates last updated and verified on 08/28/2026.

TruChoice 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 TruChoice Federal Credit Union? Share your experience about TruChoice Federal Credit Union by leaving a review below, or read customer reviews before you decide to use TruChoice Federal Credit Union.

Verified Healthy 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

6.72%

Excellent Higher than avg

TruChoice Federal Credit Union
Operations Center

332 Cummings Rd
South Portland, ME 04106

https://www.trufcu.com

TruChoice Federal Credit Union CD Rates

Product	Rate	APY	Term
12 month Share Certificate	3.93%	4.00%	12 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
24 month Share Certificate	3.78%	3.85%	24 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
6 month Share Certificate	3.69%	3.75%	6 Months
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Save Up Share Certificate - 12 month	3.45%	3.50%	12 Months
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Save Up Share Certificate - 6 month	3.20%	3.25%	6 Months
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%

TruChoice Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.30%	0.30%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Savings	0.30%	0.30%
Min Deposit $25 Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Club Accounts	0.25%	0.25%
Min Balance $75,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Savings	0.25%	0.25%
Min Deposit $25 Min Balance $75,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Club Accounts	0.20%	0.20%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Savings	0.20%	0.20%
Min Deposit $25 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Club Accounts	0.15%	0.15%
Min Balance $200 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Savings	0.15%	0.15%
Min Deposit $25 Min Balance $200 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Club Accounts	0.00%	0.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Savings	0.00%	0.00%
Min Deposit $25 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%

TruChoice Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	3.90%
Details APY* - Terms and conditions apply, please see the rates page for full details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	3.83%	3.90%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	2.86%	2.90%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	2.08%	2.10%
Min Balance $75,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	1.88%	1.90%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	0.90%	0.90%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	0.50%	0.50%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	0.35%	0.35%
Min Balance $200 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Money Market Accounts	0.00%	0.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%

TruChoice Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.25%	Fixed 5 years
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Home Equity Loan	-	-	6.75%	Variable, open-ended line of credit
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Home Equity Loan	-	-	7.25%	Fixed 15 years
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%

TruChoice Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle (Less than 3 years old) - Up to 48 months Loan	-	-	4.25%	48 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Used Vehicle (3 years or older) Loan	-	-	4.25%	Up to 48 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
New Vehicle (Less than 3 years old) - Up to 60 months Loan	-	-	4.50%	60 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Used Vehicle (3 years or older) Loan	-	-	4.50%	Up to 60 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
New Vehicle (Less than 3 years old) - Up to 72 months Loan	-	-	5.00%	72 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Used Vehicle (3 years or older) Loan	-	-	5.00%	Up to 72 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
New Vehicle (Less than 3 years old) - Up to 84 months Loan	-	-	6.50%	84 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Used Vehicle (3 years or older) Loan	-	-	6.50%	Up to 84 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Used Vehicle (3 years or older) Loan	-	-	10.49%	12 to 36 months
Details As low as; * Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%

TruChoice Federal Credit Union Credit Card Rates

Product	Rate	APR
Traditional and TruHero Credit Cards	-	11.90%
Details Credit Score: A+* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Traditional and TruHero Credit Cards	-	12.90%
Details Credit Score: A* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Traditional and TruHero Credit Cards	-	14.90%
Details Credit Score: B* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Traditional and TruHero Credit Cards	-	15.90%
Details Credit Score: C* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Traditional and TruHero Credit Cards	-	16.90%
Details Credit Score: D* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Cash Back Rewards Credit Card	-	18.00%
Details 1.5% on everything* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%
Traditional and TruHero Credit Cards	-	18.00%
Details Credit Score: E* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.72%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TruChoice 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 TruChoice 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 TruChoice Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TruChoice Federal Credit Union

Website https://www.trufcu.com

Address 332 Cummings Rd, South Portland, ME 04106

Phone 207-772-0808

Fax 207-772-8683

President Joseph Winschel

CEO KENNETH ACKER

Full-Time Employees 53

Part-Time Employees 0

Branch Locations 3

ATM Locations 6

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

6.72%

Return on Assets (ROA)

0.8061%

Return on Equity (ROE)

7.3242%

Non-Performing Loans Ratio (NPL)

1.01%

Total Assets

248,939,952

Total Amount of Shares and Deposits

224,782,264

Total Shares and Deposits < 1 Year

221,268,220

Total Shares and Deposits 1 3 Years

3,514,044

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

14,266,809

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

14,266,809

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

210,515,455

Total Interest Expense (Sum of items 6 8)

3,217,984

Share Certificates

1,091

Number of Accounts for Share Drafts

10,591

IRA KEOGH Accounts

343

Number of Accounts for Regular Shares

16,629

Non Member Deposits

Money Market Shares

1,497

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)

14,612,774

Total Liabilities

225,257,180

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

TruChoice Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About TruChoice Federal Credit Union

How many branches does TruChoice Federal Credit Union operate?

TruChoice 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 TruChoice Federal Credit Union?

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

Does TruChoice Federal Credit Union offer online and mobile banking?

Most modern institutions like TruChoice 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.trufcu.com.