Truliant Federal Credit Union


Overview / Commentary
336-659-1955
3200 Truliant Way
Winston Salem, NC 27103

Truliant Federal Credit Union is headquartered in Winston Salem and is the 2nd largest credit union in the state of North Carolina. It is also the 73rd largest credit union in the nation. It was established in 1952 and as of December of 2023, it had grown to 885 employees and 332,190 members at 39 locations. Truliant Federal Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Truliant Federal Credit Union is open to residents of Georgia, North Carolina, South Carolina, Tennessee, and Virginia by joining the American Consumer Council. Membership is also open to: (1) those who live, work, worship, or attend school in the North Carolina counties of Alamance, Alexander, Alleghany, Cabarrus, Caswell, Catawba, Chatham, Cleveland, Davidson, Davie, Forsyth, Gaston, Guilford, Iredell, Lee, Mecklenburg, Montgomery, Orange, Randolph, Rockingham, Rowan, Stanly, Stokes, Surry, Wilkes, or Yadkin; (2) those who live, work, worship, or attend school in the Virginia counties of Chesterfield, Grayson, Henry, Henrico, Montgomery, Pulaski, Russell, Smyth, Washington, or Wythe; (3) those who live, work, worship, or attend school in Greenville County (South Carolina) or Johnson County (Tennessee); (4) employees of AT&T Company, Blue Rhino Corporation, Corn Products International and more than 1,600 other Select Employer Groups.
See current membership details

Got My 6.25% For Just Under 1 Year

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Seamless process .

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

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.

Truliant 11Mo CD Special Is Now 5.7%

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Truliant 11mo special 6.25% rate is over!
I was pleased to be able to open in bank since I was declined online. They use chexsystems where my rating is horrible - too many account inquiries (all DEPOSIT accounts, but chexsystems only shows inquiries). Even after opening the certificate account in person, I was still declined for a 2nd certificate online! Other than that frustration, my experience in bank and online has been good.

RUN! DONT DO IT!

Posted by: |

If I could leave 0 stars I would! I've never had a banking experience worse than with Truliant and they do nothing at all the compensate you or make up for the mistakes. The most you will get is a "I'm sorry that happened.”

1. If you are refinancing a loan- they won’t wire the funds to your current lender. So be prepared to pay double interest for both loans for 2 weeks while your payoff check is being shipped via the lowest possible speed mail possible.
2. To open a loan you must open a savings account as well- they are both connected. My loan was not set up correctly or finished processing correctly, therefore my savings account was not set up correctly. Which brings me to my issue below.
3. After making multiple phone calls and speaking to at least 5 people I will summarize my experience. I have spent no less 3 hours on the phone attempting to rectify the issue above. Because my accounts were not setup correctly, my loan payments from my Truliant savings account to my loan were rejected. I was then cut off from making online payments online and charged returned check fees. Each time I called no one knew what was going on and I was put on hold for 30 minutes at a time. I was told the issue was rectified and it would not be and I would have to call again. I believe the issue has now been resolved but I cannot say for sure and am not hopeful. I requested compensation for their error- I had to spend hours on the phone trying to fix their mistake just to be able to pay my loan. I asked for compensation for my time, I received nothing. Not even a little $25 account credit. I should have been paid the minimum wage for hours on the phone as much as they made me work just to be able to pay my loan. Had I not continued to call and call and call I wouldn’t have been able to make my payments.
4. They close at 5:30 so you’ll most likely have to carve out time during your work day to get assistance.

I wish I never opened my loan with them and as soon as it’s paid off I will be closing my accounts. That is if I don’t just go to another bank and refinance before then.

While they do have good personal loan rates- they definitely make you work for it with the headaches they cause. Worst banking experience I’ve ever had in my life. I feel so uncomfortable having a loan with them and knowing they have something that is tied to my credit score and can harm me due to their mistakes and negligence.

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Health
B+

Health Grade Components

Overall
NCUA #7840
Year Chartered1952
Employees885
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD9.03%
Annual Interest Income$254.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$5.17B$4.13B
LoansQ4 2023vs Q4 2022$3.91B$3.21B
DepositsQ4 2023vs Q4 2022$4.46B$3.48B
Equity CapitalQ4 2023vs Q4 2022$341.3MM$317.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$45.8MM$22MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$31.1MM$23.9MM
Real Estate OwnedQ4 2023vs Q4 2022$0$49K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Truliant Federal 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.

Truliant Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%--IRA Savings
0.15%--Save Your Way Account
0.15%--Rainy Day Account
0.10%--Business Savings
0.10%--Health Savings Account
0.10%--Regular Savings
0.10%--Christmas Club
0.10%--Vacation Club
0.10%$5-Membership Savings

Truliant Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$250k*-Select Money Market
OTHER TIERS: 1.25% Up to $50k | 1.45% $50k - $75k | 1.50% $75k - $100k | 2.10% $100k - $250k
2.25%*$250k*-Select IRA Money Market
OTHER TIERS: 1.25% Up to $50k | 1.45% $50k - $75k | 1.50% $75k - $100k | 2.10% $100k - $250k
2.25%*$250k*-Business Money Market
OTHER TIERS: 1.25% Up to $50k | 1.45% $50k - $75k | 1.50% $75k - $100k | 2.10% $100k - $250k
2.25%*$250k*-Select Plus Money Market
OTHER TIERS: 1.25% Up to $50k | 1.45% $50k - $75k | 1.50% $75k - $100k | 2.10% $100k - $250k

Truliant Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-Business Checking
OTHER TIERS: 0.05% Up to $100k
0.05%$2.5k-Advantage Checking
0.05%--Senior Advantage Checking

Truliant Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$5k-11 Month Certificate Special - New Money
4.90%$5k-17 Month Certificate Special - New Money
4.80%$5k-25 Month Certificate Special - New Money
4.50%*$5k*-8 Month Penalty-Free Certificate Special - New Money
OTHER TIERS: 1.00% Up to $5k
3.70%*$100k*-60 Month Certificate
OTHER TIERS: 3.54% $250 - $1k | 3.60% $1k - $25k | 3.65% $25k - $100k
3.60%*$100k*-48 Month Certificate
OTHER TIERS: 3.44% $250 - $5k | 3.50% $5k - $25k | 3.55% $25k - $100k
3.55%*$100k*-36 Month Certificate
OTHER TIERS: 3.39% $250 - $5k | 3.45% $5k - $25k | 3.50% $25k - $100k
3.55%*$100k*-Business 36 Month Certificate
OTHER TIERS: 3.39% $250 - $5k | 3.45% $5k - $25k | 3.50% $25k - $100k
3.45%*$100k*-24 Month Certificate
OTHER TIERS: 3.29% $250 - $5k | 3.35% $5k - $25k | 3.40% $25k - $100k
3.45%*$100k*-Business 24 Month Certificate
OTHER TIERS: 3.29% $250 - $5k | 3.35% $5k - $25k | 3.40% $25k - $100k
3.34%*$100k*-12 Month Certificate
OTHER TIERS: 3.18% $250 - $5k | 3.24% $5k - $25k | 3.29% $25k - $100k
3.34%*$100k*-Business 12 Month Certificate
OTHER TIERS: 3.18% $250 - $5k | 3.24% $5k - $25k | 3.29% $25k - $100k
3.34%*$100k*-18 Month Certificate
OTHER TIERS: 3.18% $250 - $5k | 3.24% $5k - $25k | 3.29% $25k - $100k
3.28%*$100k*-24 Month Flex Certificate w/ 1x Rate Increase
OTHER TIERS: 3.12% $250 - $5k | 3.18% $5k - $25k | 3.23% $25k - $100k
3.10%*$100k*-6 Month Certificate
OTHER TIERS: 2.95% $250 - $5k | 3.00% $5k - $25k | 3.05% $25k - $100k
3.10%*$100k*-Business 6 Month Certificate
OTHER TIERS: 2.95% $250 - $5k | 3.00% $5k - $25k | 3.05% $25k - $100k
2.95%*$100k*-14 Month Certificate w/ Penalty-Free Withdrawal
OTHER TIERS: 2.64% $250 - $5k | 2.74% $5k - $25k | 2.84% $25k - $100k
2.60%*$100k*-3 Month Certificate
OTHER TIERS: 2.44% $250 - $5k | 2.50% $5k - $25k | 2.55% $25k - $100k
2.60%*$100k*-Business 3 Month Certificate
OTHER TIERS: 2.44% $250 - $5k | 2.50% $5k - $25k | 2.55% $25k - $100k

Truliant Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$5k-11 Month IRA Certificate Special - New Money
4.90%$5k-17 Month IRA Certificate Special - New Money
4.80%$5k-25 Month IRA Certificate Special - New Money
4.50%*$5k*-8 Month Penalty-Free IRA Certificate Special - New Money
OTHER TIERS: 1.00% Up to $5k
3.70%*$100k*-60 Month IRA Certificate
OTHER TIERS: 3.54% $250 - $1k | 3.60% $1k - $25k | 3.65% $25k - $100k
3.60%*$100k*-48 Month IRA Certificate
OTHER TIERS: 3.44% $250 - $5k | 3.50% $5k - $25k | 3.55% $25k - $100k
3.55%*$100k*-36 Month IRA Certificate
OTHER TIERS: 3.39% $250 - $5k | 3.45% $5k - $25k | 3.50% $25k - $100k
3.45%*$100k*-24 Month IRA Certificate
OTHER TIERS: 3.29% $250 - $5k | 3.35% $5k - $25k | 3.40% $25k - $100k
3.34%*$100k*-12 Month IRA Certificate
OTHER TIERS: 3.18% $250 - $5k | 3.24% $5k - $25k | 3.29% $25k - $100k
3.30%*$100k*-18 Month IRA Certificate
OTHER TIERS: 3.18% $250 - $5k | 3.24% $5k - $25k | 3.29% $25k - $100k
3.28%*$100k*-24 Month Flex IRA Certificate w/ 1x Rate Increase
OTHER TIERS: 3.12% $250 - $5k | 3.18% $5k - $25k | 3.23% $25k - $100k
3.10%*$100k*-6 Month IRA Certificate
OTHER TIERS: 2.95% $250 - $5k | 3.00% $5k - $25k | 3.05% $25k - $100k
2.95%*$100k*-14 Month IRA Certificate w/ Penalty-Free Withdrawal
OTHER TIERS: 2.64% $250 - $5k | 2.74% $5k - $25k | 2.84% $25k - $100k
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