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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)
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.30%1-year CD12 Month Certificate (opened online)
1.50% - Ally Bank No Penalty 11-Month CDAdvertisement
0.25%SavingsRainy Day Account
1.15% - CIT Bank Spring Savings
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 March of 2017, it had grown to 553 employees and 215,904 members at 35 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 (9)

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

Worse Bank I've Ever Dealt With

Posted by: Shani-Girl T McDuffie | Jan 3, 2017

New to the area and this credit union seemed reputable, so I opened two accounts with them. But oh quite the contrary. Watch your account(s) activity and balances closely! Truliant FCU experienced a "glitch" or technical issues which withdrew funds excessively and jacked up both the open accounts I had with them. No one ever came to me, I noticed the error myself. And once I notified them of THEIR error, it took several calls, complaint's and days for them to correct! I would not recommend this financial institution to my dog!! #Beware

5

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.

4
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Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #7840
Year Chartered1952
Employees553
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6.79%
Annual Interest Income$18.2MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$2.19B$2.01B
LoansQ1 2017vs Q1 2016$1.67B$1.54B
DepositsQ1 2017vs Q1 2016$1.98B$1.79B
Equity CapitalQ1 2017vs Q1 2016$179.6MM$170.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$11.4MM$11.1MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$5.5MM$4.6MM
Real Estate OwnedQ1 2017vs Q1 2016$428.00K$2.8MM
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

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 - $25k | 0.35% → $25k - $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 35 locations. Click to view all Truliant Federal Credit Union locations.