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 62nd largest credit union in the nation. It was established in 1952 and as of March of 2024, it had grown to 878 employees and 339,959 members at 36 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

Awesome!.............

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Awesome!

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.

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Health
B+

Health Grade Components

Overall
NCUA #7840
Year Chartered1952
Employees878
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD12.52%
Annual Interest Income$83.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$5.57B$4.37B
LoansQ1 2024vs Q1 2023$4.16B$3.31B
DepositsQ1 2024vs Q1 2023$4.68B$3.76B
Equity CapitalQ1 2024vs Q1 2023$351.9MM$323.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$47.3MM$29MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$39.4MM$17.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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
4.75%*$0$25kHigh Yield Rewards Savings
OTHER TIERS: 1.00% $25k+
1.25%$0-IRA Savings
0.15%$0-Save Your Way Account
0.15%$0-Rainy Day Account
0.10%$0-Business Savings
0.10%$0-Health Savings Account
0.10%$0-Regular Savings
0.10%$0-Christmas Club
0.10%$0-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% $0 - $50k | 1.45% $50k - $75k | 1.50% $75k - $100k | 2.10% $100k - $250k
2.25%*$250k*-Select IRA Money Market
OTHER TIERS: 1.25% $0 - $50k | 1.45% $50k - $75k | 1.50% $75k - $100k | 2.10% $100k - $250k
2.25%*$250k*-Business Money Market
OTHER TIERS: 1.25% $0 - $50k | 1.45% $50k - $75k | 1.50% $75k - $100k | 2.10% $100k - $250k
2.25%*$250k*-Select Plus Money Market
OTHER TIERS: 1.25% $0 - $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% $0 - $100k
0.05%$2.5k-Advantage Checking
0.05%$0-Senior Advantage Checking

Truliant Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$5k-17 Month Certificate Special - New Money
4.75%$5k-25 Month Certificate Special - New Money
4.75%$5k-11 Month Certificate Special - New Money
4.50%*$5k*-8 Month Penalty-Free Certificate Special - New Money
OTHER TIERS: 1.00% $0 - $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% $0 - $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
Locations

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