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TruWest Credit Union Rates & Review August 2026

TruWest Credit Union's 18 - Month Savings CD rates are at 4.50%, Savings CD rates are at 4.50%. TruWest Credit Union's savings rates are at 0.10%. TruWest Credit Union's money market rates are at 0.10%. TruWest Credit Union's Personal Loan Rates are at 7.57%. MonitorBankRates evaluates the financial stability of TruWest Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.80%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.80%
Excellent Lower than avg
TruWest Credit Union
HQ
2190 E Elliot Rd
Tempe, AZ 85284
https://www.truwest.org
Member NCUA

TruWest Credit Union CD Rates

Product Rate APY Term View More
18 - Month Savings Certificate - 4.50% 18 - Month
Min Deposit $500
Details Limited time, new money only
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%

TruWest Credit Union Savings Rates

Product Rate APY View More
IRA Savings - 1.00%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Christmas Club - 0.25%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Business Share Savings Account - 0.10%
Min Balance $5
Details High Dividends; No Monthly Service Fee; 3 Free Withdrawals Each Month; eDeposit for Multiple Checks
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Select Savings - 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Share Savings - 0.10%
Min Balance $5
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Youth Savings - 0.10%
Min Balance $5
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%

TruWest Credit Union Money Market Rates

Product Rate APY View More
Money Market - 2.00%
Min Balance $250,000
Details When rewards checking requirements are met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Money Market - 1.65%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Money Market - 1.35%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Money Market - 1.00%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Money Market - 0.90%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Money Market - 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%

TruWest Credit Union Checking Rates

Product Rate APY View More
High Yield Checking 0.05% 4.00%
Min Deposit $5
Min Balance $0
Details Qualifications Required: 1 qualifying direct deposit; 15 qualifying debit/credit card transactions; Balances over $10,000 earn a 0.05% dividend rate on the portion of the balance over $10,000, resulting in a tiered range from 4.00% to 0.05% APY. If requirements are not met, all balances earn 0.05% APY. Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. APY is effective as of 4/1/25.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
High Yield Checking - 0.05%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Simply Checking - 0.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%

TruWest Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New/Used Auto - - 5.75% 49 - 63 Months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
New/Used Auto - - 5.99% 64 - 75 Months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%

TruWest Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum - 9.45%
Details Regular APR: 9.45%-24.50%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Visa Signature - 11.40%
Details Regular APR: 11.40%-12.40%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%

TruWest Credit Union Personal Loan Rates

Product Rate APR View More
Personal Credit Line Loan - 7.57%
Details As Low As; Rates effective as of December 11, 2025.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
New Marine and Personal Watercraft Loan - 9.50%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Used Marine and Personal Watercraft Loan - 9.50%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Personal Credit Line Loan - 9.54%
Details Rates effective as of December 11, 2025.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Personal Credit Line Loan - 14.00%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
New Marine and Personal Watercraft Loan - 15.50%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Used Marine and Personal Watercraft Loan - 15.50%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%
Personal Credit Line Loan - 17.75%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.80%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for TruWest 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 TruWest 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 TruWest Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TruWest Credit Union
Address 2190 E Elliot Rd, Tempe, AZ 85284
Phone 480-441-5900
Fax
President Mike Moulton
CEO Chris Kearney
Full-Time Employees 267
Part-Time Employees 6
Branch Locations 11
ATM Locations 11
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.80%
Return on Assets (ROA)
0.5389%
Return on Equity (ROE)
4.8734%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
1,651,112,277
Total Amount of Shares and Deposits
1,455,087,717
Total Shares and Deposits < 1 Year
1,421,490,560
Total Shares and Deposits 1 3 Years
31,097,004
Total Shares and Deposits > 3 Years
2,500,152
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
151,404,995
Total Uninsured Shares and Deposits > $250K (F+J)
151,404,995
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,303,682,722
Total Interest Expense (Sum of items 6 8)
21,588,267
Share Certificates
11,618
Number of Accounts for Share Drafts
51,208
IRA KEOGH Accounts
2,802
Number of Accounts for Regular Shares
101,834
Money Market Shares
7,201
Net Income (unless the amount is already included in Undivided Earnings)
8,897,685
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)
98,349,618
Total Liabilities
1,503,732,466
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About TruWest Credit Union

How many branches does TruWest Credit Union operate?

TruWest 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 TruWest Credit Union?

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

Does TruWest Credit Union offer online and mobile banking?

Most modern institutions like TruWest 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.truwest.org.

Current TruWest Credit Union Rates

  • 18-Month CD4.50%
  • Savings0.10%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.