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Truliant Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.45%5-year CD60 Month Certificate (opened online)
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.30%1-year CD12 Month Certificate (opened online)
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.25%SavingsRainy Day Account
1.00% - Ally Bank Online Savings AccountAdvertisement
View all Truliant Federal Credit Union rates »

Overview / Commentary
www.truliantfcu.org
336-659-1955
3200 Truliant Way
Winston Salem, NC 27103

Truliant Federal Credit Union is headquartered in WINSTON SALEM and is the 3rd largest credit union in the state of North Carolina. It is also the 104th largest credit union in the nation. It was established in 1952 and as of June of 2016, it had grown to 568 employees and 205,707 members at 33 locations. Truliant Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Truliant Federal Credit Union is open to anyone through joining the American Consumer Council. Membership is also open to the following: (1) those who live, work, attend school or worship in Alamance, Alexander, Alleghany, Cabarrus, Caswell, Catawba, Chatham, Cleveland, Davidson, Davie, Forsyth, Guilford, Gaston, Iredell, Mecklenburg, Montgomery, Randolph, Rockingham, Rowan, Stanly, Stokes, Surry, Wilkes, or Yadkin Counties in North Carolina; (2) those who live, work, attend school or worship in Henry, Montgomery, or Pulaski Counties in Virginia and select areas of Wythe, Henrico and Chesterfield Counties; (3) those who live, work, attend school or worship in select areas of Greenville County in South Carolina; (4) employees of AT&T Company, Blue Rhino Corporation, Corn Products International and over 300 Select Employer Groups.
See current membership details

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Reviews (8)

Low Fees And Low Interest Rates On Loans

Posted by: Kelly200 | Oct 15, 2011

I been with Truliant Federal Credit Union for five years since moving to NC.  My checking account does not have any fees, especially no debit card fees.  I have also saved money due to the low loan rates I have gotten on my home and auto.

8

Truliant Is Great For Everyday People

Posted by: 1cinbrew | Mar 15, 2011

I would highly recommend Truliant Credit Union for the normal everyday person. I work for one of the big name banks so I have an understanding of what is involved in the financial services industry. Although I work there, I do not make enough money nor do I have a good enough credit history to qualify for their “best” products. I opened a savings account with Truliant and I have super pleased ever since I did. I get much better returns on my savings account with them than I do at the bank I work for. I was also able to qualify for a low interest loan without a lot of hassle at Truliant. Every time I have dealt with someone there they have had superior customer service attitudes. I would highly recommend them for anyone needing a real-world financial services institution rather than one that caters or is designed more for the high net-worth customers.

7

Greedy And Poor Service

Posted by: Anonymous | May 11, 2012

I have been a member of Truliant for over 15 years. They used to be terrific. Over the past 5 years they have become terrible. Instead of using profits to lower fees and increase benefits, they instead built a mansion of a main office in Winston-Salem. Customer must walk 75 yards or more to the front door so executives can have there grandiose pool in front. They recently opened membership to anyone and greatly increased customers, but did not increase staff. Expect long lines and slow service and too many fees. I am now searching for another bank. I would not recommend Truliant to anyone.

2

Open New Account 1 Month Never Get A Statement, Checks Or Debit Card!

Posted by: Duncan DMitchel | Aug 24, 2016

Over 1 month ago I opened a savings account with a check from an insurance settlement. THEN the indefinite WAITING began.

No statements, no checks, no debit card, no welcome letter....NADA ! Finally, assuming something was wrong I phoned the C.S. number and after refusing the automated runaround a few times(I like to "argue" with voice activated "help"!)

Eventually I got a human who, after requiring me to recite my personal info with great detail over an insecure line, assured me the card and checks will be sent in 1 MORE week, if not than call the bank at once.

Well that day came and went with NOTHING but a "welcome" letter. I phoned again and as usual TFCU required a reciting of full personal info-SS #,dob,acct #, family names etc, etc "for MY security".

As professional banks don't do this I declined and will make the long drive to the branch my 2nd and last time - TO CLOSE MY ACCOUNT.

1

Worst Nightmare With A So Call Bank Or Whatever You Want To Call Them Poor Rating

Posted by: claval | Dec 13, 2012

I have been with Truliant for 7 yrs, I had direct depoist. Well I applied for a payday loan and paid the balance well these people keep trying to get money out of my account. I called Truliant to stop this because they charged me a fee when these people tried to get money out of my account there was no money there. So I called Truliant and told them not to let this go through,  first of all they would not stop this because I owe them money, which is the fee for the payday loan not being there.I was told to pay this fee and $20 to close the account. They are full of it and I will never bank with them again and they can take there fees and put it you know where.

1

Bank Elsewhere, Save Yourself The Headache

Posted by: SeveralAccounts | Nov 21, 2012

I opened an acocunt with Truliant in 2008 as they had a relationship wiht the organization I work with.

They promised several features and benefits via membership, none of which ever materialized.

Within a year of opening my account, they closed the only local branch within 40 miles.  In order to see a "banker" I have to drive 45 minutes both ways.  This is a horrible inconvenience.

The interest rates at Truliant are horrible, for investment vehicles, loans and simple personal banking.  I strongly recommend Coastal FCU as an alternative.

Trulinat customer service is steadily declining.  When I opened this account it was a simple call to a local area to connect with a rep.  Now hold times when calling in are similar to calling the IRS.  The reps are not educated and are borderline hositle.  Likely becuase they are making minimum wage or just over.

Since they revamped their online access platform, it is nearly impossible to easily access your accounts.  You have to click about 6 times once you land on their homepage to get to the login screen.  After you login they have a ridiculous process where they call you with and access code to see your accounts.  The time suck is mind numbing.  The rep said this is going to be a banking industry standard going forward.  I have not been able to find supporting evidence for that claim.

Save yourself the time and the hassle.  Bank somewhere else.

 

5

Terrible Bank For Joint Checking Accounts

Posted by: Anonymous | Oct 28, 2011

This bank just got a new system. It is terrible for joint checking accounts. I cannot see any easy payments online that my spouse entered, and vice versa. To managementWe could balance our checkbook before and see all pending payments. I complained to management and they told me their new system is made for an individual, not joint accounts. I am just waiting for my checks to run out, as I am very unhappy. Also, they sent me checks with the wrong information and told me they would resend new checks with the right information and not charge the account for both. Wrong....they charged me for both. Terrible bank and customer service. I should have known when I got this account a few years ago, and a fraud cashed a check through Cary's drive through and they didn't allow someone to cash a check that didn't even have an account with the credit union. It is their policy (that they didn't adhere to) to make any non credit union member come in the bank. I did not get my money back on this. Shady people, and they do not care if you stay a customer our not...

2

Awful Bank, Fees, Fees, Fees So Much For Better Than The Big Banks

Posted by: pickles222 | Oct 6, 2011

we had opened an account at truliant and we were going to move most of our funds there, from one of the so called "bad" big banks. well both my husband and i work at one of those big banks and they would never do what truliant did. they charged fee after fee just for a checking account until it was charged off and closed.

they never sent a single statement.

i will never do business with them again.

4


Health
A

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #7840
Year Chartered1952
Employees568
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD4.6%
Annual Interest Income$33.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.03B$1.86B
LoansQ2 2016vs Q2 2015$1.59B$1.42B
DepositsQ2 2016vs Q2 2015$1.82B$1.65B
Equity CapitalQ2 2016vs Q2 2015$173.4MM$165.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$11.2MM$11.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$5.2MM$6.9MM
Real Estate OwnedQ2 2016vs Q2 2015$2.0MM$1.7MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Truliant Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Dollar Dog
OTHER TIERS: 0.50% → $100 - $5k | 0.55% → $5k - $25k | 0.60% → $25k - $100k
0.30%*$100k*-Business Savings
OTHER TIERS: 0.15% → Up to $25k | 0.20% → $25k - $100k
0.30%*$100k*-Health Savings Account
OTHER TIERS: 0.05% → Up to $1k | 0.15% → $1k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $100k
0.30%*$100k*-Regular Savings
OTHER TIERS: 0.15% → Up to $25k | 0.20% → $25k - $100k
0.30%*$100k*-IRA Savings
OTHER TIERS: 0.15% → Up to $25k | 0.20% → $25k - $100k
0.25%--Save Your Way Account
0.25%--Rainy Day Account
0.05%--Christmas Club
0.05%--Vacation Club

Truliant Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$1m*-Business Money Market
OTHER TIERS: 0.25% → $2,500 - $25k | 0.30% → $25k - $100k | 0.35% → $100k - $250k | 0.45% → $250k - $500k | 0.50% → $500k - $1mm
0.40%*$100k*-Investor's Money Market
OTHER TIERS: 0.05% → Up to $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k
0.35%*$100k*-Select Money Market
OTHER TIERS: 0.05% → Up to $5k | 0.25% → $5k - $25k | 0.30% → $25k - $100k
0.35%*$100k*-Select IRA Money Market
OTHER TIERS: 0.05% → Up to $5k | 0.25% → $5k - $25k | 0.30% → $25k - $100k
0.30%*$100k*-Performance Plus Money Market
OTHER TIERS: 0.05% → Up to $2,500 | 0.15% → $2,500 - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $100k
0.30%*$100k*-Performance Plus IRA Money Market
OTHER TIERS: 0.05% → Up to $2,500 | 0.15% → $2,500 - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $100k
0.25%*$100k*-Premier Money Market
OTHER TIERS: 0.05% → Up to $1k | 0.10% → $1k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $100k

Truliant Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Business Checking
OTHER TIERS: 0.05% → Up to $25k | 0.10% → $25k - $100k
0.05%--Basic Business Checking
0.05%--Basic Checking
0.05%$2,500-Advantage Checking
0.05%--Senior Advantage Checking

Truliant Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$100k*-60 Month Certificate
OTHER TIERS: 1.40% → $250 - $5k | 1.45% → $5k - $25k | 1.50% → $25k - $100k
1.45%$250-60 Month Certificate (opened online)
1.40%*$100k*-48 Month Certificate
OTHER TIERS: 1.20% → $250 - $5k | 1.25% → $5k - $25k | 1.30% → $25k - $100k
1.25%$250-48 Month Certificate (opened online)
1.05%*$100k*-36 Month Certificate
OTHER TIERS: 0.85% → $250 - $5k | 0.90% → $5k - $25k | 0.95% → $25k - $100k
1.05%*$100k*-Business 36 Month Certificate
OTHER TIERS: 0.85% → $250 - $5k | 0.90% → $5k - $25k | 0.95% → $25k - $100k
0.90%$250-36 Month Certificate (opened online)
0.70%*$100k*-24 Month Certificate
OTHER TIERS: 0.50% → $250 - $5k | 0.55% → $5k - $25k | 0.60% → $25k - $100k
0.70%*$100k*-Business 24 Month CD
OTHER TIERS: 0.50% → $250 - $5k | 0.55% → $5k - $25k | 0.60% → $25k - $100k
0.60%*$100k*-24 Month Flex Certificate
OTHER TIERS: 0.40% → $250 - $5k | 0.45% → $5k - $25k | 0.50% → $25k - $100k
0.55%*$100k*-18 Month Certificate
OTHER TIERS: 0.40% → $250 - $5k | 0.45% → $5k - $25k | 0.50% → $25k - $100k
0.55%$250-24 Month Certificate (opened online)
0.40%*$100k*-12 Month Certificate
OTHER TIERS: 0.30% → $250 - $25k | 0.35% → $25k - $100k
0.40%*$100k*-Business 12 Month Certificate
OTHER TIERS: 0.30% → $250 - $25k | 0.35% → $25k - $100k
0.35%*$100k*-6 Month Certificate
OTHER TIERS: 0.25% → $250 - $25k | 0.30% → $25k - $100k
0.35%*$100k*-Business 6 Month Certificate
OTHER TIERS: 0.25% → $250 - $25k | 0.30% → $25k - $100k
0.30%*$100k*-14 Month Certificate
OTHER TIERS: 0.20% → $250 - $25k | 0.25% → $25k - $100k
0.30%$250-12 Month Certificate (opened online)
0.25%*$100k*-3 Month Certificate
OTHER TIERS: 0.15% → $250 - $25k | 0.20% → $25k - $100k
0.25%*$100k*-Business 3 Month Certificate
OTHER TIERS: 0.15% → $250 - $25k | 0.20% → $25k - $100k

Truliant Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$100k*-60 Month IRA Certificate
OTHER TIERS: 1.40% → $250 - $5k | 1.45% → $5k - $25k | 1.50% → $25k - $100k
1.40%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.20% → $250 - $5k | 1.25% → $5k - $25k | 1.30% → $25k - $100k
1.05%*$100k*-36 Month IRA Certificate
OTHER TIERS: 0.85% → $250 - $5k | 0.90% → $5k - $25k | 0.95% → $25k - $100k
0.70%*$100k*-24 Month IRA Certificate
OTHER TIERS: 0.50% → $250 - $5k | 0.55% → $5k - $25k | 0.60% → $25k - $100k
0.60%*$100k*-24 Month Flex IRA Certificate
OTHER TIERS: 0.40% → $250 - $5k | 0.45% → $5k - $25k | 0.50% → $25k - $100k
0.55%*$100k*-18 Month IRA Certificate
OTHER TIERS: 0.40% → $250 - $5k | 0.45% → $5k - $25k | 0.50% → $25k - $100k
0.40%*$100k*-12 Month IRA Certificate
OTHER TIERS: 0.30% → $250 - $5k | 0.35% → $5k - $100k
0.35%*$100k*-6 Month IRA Certificate
OTHER TIERS: 0.25% → $250 - $25k | 0.30% → $25k - $100k
0.30%*$100k*-14 Month IRA Certificate
OTHER TIERS: 0.20% → $250 - $25k | 0.25% → $25k - $100k
Locations

Truliant Federal Credit Union has 33 locations. Click to view all Truliant Federal Credit Union locations.