TRUE Community Credit Union

Overview / Commentary
1100 Clinton Rd
Jackson, MI 49202

TRUE Community Credit Union is headquartered in Jackson and is the 28th largest credit union in the state of Michigan. It is also the 491st largest credit union in the nation. It was established in 1953 and as of March of 2024, it had grown to 233 employees and 79,073 members at 15 locations. TRUE Community Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

TRUE Community Credit Union is open to those who live, work, worship, or attend school in Michigan.
See current membership details

Reviews (3)

A Little Slow, But Otherwise Great

Posted by: |

CP Federal Credit Union is a wonderful place to bank. Their branches are in convenient locations, the people who work there professional and courteous. The people who help you open accounts or take out loans, etc., and very informational and eager to help you find what suites your needs the best. They are not pushy, nor do they try to change your mind. The only thing that keeps me from giving them a "5" on the scale is that teller server is very slow. The reason for that is the system they use has many checks and balances to make sure they are correct in all transactions. That part of it is much slower than any other place we have banked with. However, all of the other positives outweigh a bit of a lengthier transaction time and we love our bank!


I have a new loan with this bank. It has been a headache trying to pay on it! It’s a mess, from the staff all the way down to the app! Do not use this bank!

Was Excited Due To Low Rates Posted But Move On Folks.

Posted by: |

I was so excited to join this credit union to take advance of their low posted on the web auto loan rates. I opened an account that took 2 days of back and forth emails but it go done. They did a hard pull just to open an account and it was not disclosed in a manner that you would know. First DING! I did not like that at all. Then I applied for a auto loan and uploaded the information in their archaic systems. I found out I qualified for their top tier. with a 730 credit score. then I was asked for tax returns which I provided and they declined me without as so much as a call because i had an account reporting later on my bureau that was incorrect ben though my score was 730. I had disputed it and they were removing it. They refused to give me the name of who denied my loan nor to speak to the loan origination manager. I HAVE NEVER BEEN DENIED ANYTHING in 20 years. GO TO DCU.ORG and JOIN DCU lower rates and state of the art technology and a smiling face on the other end always. I went to the other CU to save a point on the interest, NOT WORTH IT ! Poor MI needs to generate business and not alienate Members. BEST of Luck to them . easy to join and easy poesy for everything!


Health Grade Components

NCUA #68718
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD1.06%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$890.7MM$699.7MM
LoansQ1 2024vs Q1 2023$664.5MM$557.6MM
DepositsQ1 2024vs Q1 2023$778.2MM$629.8MM
Equity CapitalQ1 2024vs Q1 2023$83.4MM$64.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.5MM$2.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4.2MM$2.7MM
Real Estate OwnedQ1 2024vs Q1 2023$81K$93K
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Always verify rates and promotions with the bank or credit union. We are not TRUE Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TRUE Community Credit Union Savings Account Rates

3.75%*$50k*-Business High Yield Savings - New Money
OTHER TIERS: 3.00% $10k - $50k
0.25%$0-Christmas Club
0.25%$0-Vacation Club
0.25%$0-ESA Share
0.25%$0-Roth IRA Share
0.25%$0-Traditional IRA
0.25%$0-IRA Beneficiary Share
0.05%$0-Regular Shares
0.05%$0-Business Savings
0.05%$0-TRUE Money Tree
0.05%$0-Shares Pledged

TRUE Community Credit Union Money Market Rates

0.70%*$100k*-Super Cash Money Market
OTHER TIERS: 0.50% $2k - $50k | 0.60% $50k - $100k

TRUE Community Credit Union Checking Account Rates

0.10%$0-Business Checking

TRUE Community Credit Union CD Rates

4.50%$500-12 Month Share Certificate
4.00%$500-24 Month Share Certificate
3.50%$500-6 Month Share Certificate
2.25%$500-36 Month Share Certificate
2.00%$500-48 Month Share Certificate
1.75%$500-60 Month Share Certificate
1.50%$500-3 Month Share Certificate

TRUE Community Credit Union IRA Rates

4.50%$500-12 Month IRA Certificate
4.00%$500-24 Month IRA Certificate
3.50%$500-6 Month IRA Certificate
2.25%$500-36 Month IRA Certificate
2.00%$500-48 Month IRA Certificate
1.75%$500-60 Month IRA Certificate


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