2. Truliant Federal Credit Union

Truliant Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.45%5-year CD
3.10% - Barclays 60 Month Online CDAdvertisement
1.60%1-year CD
2.75% - Barclays 12 Month Online CDAdvertisement
0.30%Savings
0.26% - National Average
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 December of 2018, it had grown to 633 employees and 239,367 members at 35 locations. Truliant Federal Credit Union's money market rates are 3X the national average, and it has a B+ 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 (12)

Like a Bank, except makes you money, instead of making money off you

Posted by: lindymcclure1 | Jun 28, 2017

I've been a member of Truliant for about 15 years and sing its praises often. Why do people have traditional banks that exist to make a profit off you? Credit unions are better because they don't charge fees for many things and the interest rates are better. I love my credit union so much that even when I moved out of state, I simply continue my banking with them using their app. I can deposit checks, check my balance, transfer funds, and pay bills with a simple tap. I have a free checkings, savings, and rainy day account that takes the change at the end of a transaction and puts it in a special high interest rainy day account. The credit card rates are fantastic as well. Also, I have a CD with a good interest rate for saving money. I can't recommend this enough. Join Truliant and make money. Don't pay a bank to hold your money. After all, it's yours.

1

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

My Experience with Truliant

Posted by: Fullycomper | Sep 17, 2017

I used to work for AT&T and joined their credit union which then changed to Truliant Credit Union. I found dealing with the credit union to be exactly the
same as dealing with the various banks I was with previously. In other words they offered the exact same services but with MUCH better fees. I mean they
had no fees at all for checking but you did have to keep $5.00 in the savings account that you were required to open. You did get the $5.00 back when you closed your account. I recall the tellers being courteous and professional and I received an excellent interest rate for my car loan. The car loan was also processed very quickly. It was a very good experience.

1

Annoying Institution

Posted by: Dindu | Nov 22, 2017

I plan to end my relationship with Truliant. The two day holds they place on my checks are getting old. I have plenty of money in my accounts. The locations are few and the ATMs. are out of service frequently. The phone app and phone deposit app are lacking in quality. Friendly tellers in branches.

4
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Health
B+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #7840
Year Chartered1952
Employees633
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD9.41%
Annual Interest Income$94.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$2.47B$2.24B
LoansQ4 2018vs Q4 2017$2.02B$1.80B
DepositsQ4 2018vs Q4 2017$2.16B$2.00B
Equity CapitalQ4 2018vs Q4 2017$203.2MM$188.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$16.1MM$12.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$11.2MM$11.1MM
Real Estate OwnedQ4 2018vs Q4 2017$297.00K$181.00K
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
0.30%*$100k*-Business Savings
OTHER TIERS: 0.15% → $5 - $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
1.15%$100k-Select Plus Money Market Special
0.55%*$1m*-Business Money Market
OTHER TIERS: 0.25% → $25k - $100k | 0.30% → $2.5k - $25k | 0.35% → $100k - $250k | 0.45% → $250k - $500k | 0.50% → $500k - $1m
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 $1k | 0.25% → $1k - $25k | 0.30% → $25k - $100k
0.35%*$100k*-Select IRA Money Market
OTHER TIERS: 0.05% → Up to $1k | 0.25% → $1k - $25k | 0.30% → $25k - $100k
0.30%--Select Plus Money Market

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%$2.5k-Advantage Checking
0.05%--Senior Advantage Checking

Truliant Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$1k-25 Month Flex Certificate Special w/ 1x Rate Increase - New Money
2.45%*$100k*-60 Month Certificate
OTHER TIERS: 2.30% → $250 - $5k | 2.35% → $5k - $25k | 2.40% → $25k - $100k
2.25%$1k-13 Month Flex Certificate Special w/ 1x Rate Increase- New Money
2.05%*$100k*-48 Month Certificate
OTHER TIERS: 1.90% → $250 - $5k | 1.95% → $5k - $25k | 2.00% → $25k - $100k
1.85%*$100k*-36 Month Certificate
OTHER TIERS: 1.70% → $250 - $5k | 1.75% → $5k - $25k | 1.80% → $25k - $100k
1.85%*$100k*-Business 36 Month Certificate
OTHER TIERS: 1.70% → $250 - $5k | 1.75% → $5k - $25k | 1.80% → $25k - $100k
1.81%*$100k*-24 Month Certificate
OTHER TIERS: 1.65% → $250 - $5k | 1.70% → $5k - $25k | 1.76% → $25k - $100k
1.81%*$100k*-Business 24 Month Certificate
OTHER TIERS: 1.65% → $250 - $5k | 1.70% → $5k - $25k | 1.76% → $25k - $100k
1.76%*$100k*-18 Month Certificate
OTHER TIERS: 1.60% → $250 - $5k | 1.65% → $5k - $25k | 1.70% → $25k - $100k
1.70%*$100k*-24 Month Flex Certificate w/ 1x Rate Increase
OTHER TIERS: 1.55% → $250 - $5k | 1.60% → $5k - $25k | 1.65% → $25k - $100k
1.65%*$100k*-12 Month Certificate
OTHER TIERS: 1.50% → $250 - $5k | 1.55% → $5k - $25k | 1.60% → $25k - $100k
1.65%*$100k*-Business 12 Month Certificate
OTHER TIERS: 1.50% → $250 - $5k | 1.55% → $5k - $25k | 1.60% → $25k - $100k
1.60%*$100k*-14 Month Certificate
OTHER TIERS: 1.45% → $250 - $5k | 1.50% → $5k - $25k | 1.55% → $25k - $100k
0.45%*$100k*-6 Month Certificate
OTHER TIERS: 0.35% → $250 - $25k | 0.40% → $25k - $100k
0.45%*$100k*-Business 6 Month Certificate
OTHER TIERS: 0.35% → $250 - $25k | 0.40% → $25k - $100k
0.40%*$100k*-3 Month Certificate
OTHER TIERS: 0.30% → $250 - $25k | 0.35% → $25k - $100k
0.40%*$100k*-Business 3 Month Certificate
OTHER TIERS: 0.30% → $250 - $25k | 0.35% → $25k - $100k

Truliant Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$1k-25 Month Flex IRA Certificate Special (w/ 1x Rate Increase) - New Money
2.45%*$100k*-60 Month IRA Certificate
OTHER TIERS: 2.30% → $250 - $5k | 2.35% → $5k - $25k | 2.40% → $25k - $100k
2.25%$1k-13 Month Flex IRA Certificate Special w/ 1x Rate Increase- New Money
2.05%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.90% → $250 - $5k | 1.95% → $5k - $25k | 2.00% → $25k - $100k
1.85%*$100k*-36 Month IRA Certificate
OTHER TIERS: 1.70% → $250 - $5k | 1.75% → $5k - $25k | 1.80% → $25k - $100k
1.81%*$100k*-24 Month IRA Certificate
OTHER TIERS: 1.65% → $250 - $5k | 1.70% → $5k - $25k | 1.76% → $25k - $100k
1.76%*$100k*-18 Month IRA Certificate
OTHER TIERS: 1.60% → $250 - $5k | 1.65% → $5k - $25k | 1.70% → $25k - $100k
1.70%*$100k*-24 Month Flex IRA Certificate w/ 1x Rate Increase
OTHER TIERS: 1.55% → $250 - $5k | 1.60% → $5k - $25k | 1.65% → $25k - $100k
1.65%*$100k*-12 Month IRA Certificate
OTHER TIERS: 1.50% → $250 - $5k | 1.55% → $5k - $25k | 1.60% → $25k - $100k
1.60%*$100k*-14 Month IRA Certificate
OTHER TIERS: 1.45% → $250 - $5k | 1.50% → $5k - $25k | 1.55% → $25k - $100k
0.45%*$100k*-6 Month IRA Certificate
OTHER TIERS: 0.35% → $250 - $25k | 0.40% → $25k - $100k
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