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 70th largest credit union in the nation. It was established in 1952 and as of June of 2024, it had grown to 928 employees and 354,712 members at 37 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

Reviews (3)

Got My 6.25% For Just Under 1 Year

Posted by: |

Seamless process .

Truliant Rate Changes

Posted by: |

7 mo (new money) 4.7%APY
17 mo (new money) 4.25%APY
25 mo (new money) 4.1%APY
HYS 4.25%APY

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.



Health
B+

Health Grade Components

Overall
NCUA #7840
Year Chartered1952
Employees928
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD10.36%
Annual Interest Income$169.4MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$5.33B$4.56B
LoansQ2 2024vs Q2 2023$4.27B$3.5B
DepositsQ2 2024vs Q2 2023$4.6B$3.87B
Equity CapitalQ2 2024vs Q2 2023$360.6MM$326.5MM
Loan Loss AllowanceQ2 2024vs Q2 2023$45.5MM$29.3MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$38.8MM$19MM
Real Estate OwnedQ2 2024vs Q2 2023$162K$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
4.00%*$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-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

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-7 Month Certificate Special - New Money
4.25%$5k-17 Month Certificate Special - New Money
4.10%$5k-25 Month Certificate Special - New Money
3.50%*$100k*-60 Month Certificate
OTHER TIERS: 3.34% $250 - $1k | 3.40% $1k - $25k | 3.45% $25k - $100k
3.45%*$100k*-48 Month Certificate
OTHER TIERS: 3.29% $250 - $5k | 3.35% $5k - $25k | 3.40% $25k - $100k
3.40%*$100k*-36 Month Certificate
OTHER TIERS: 3.24% $250 - $5k | 3.30% $5k - $25k | 3.35% $25k - $100k
3.40%*$100k*-Business 36 Month Certificate
OTHER TIERS: 3.24% $250 - $5k | 3.30% $5k - $25k | 3.35% $25k - $100k
3.35%*$100k*-24 Month Certificate
OTHER TIERS: 3.19% $250 - $5k | 3.25% $5k - $25k | 3.30% $25k - $100k
3.35%*$100k*-Business 24 Month Certificate
OTHER TIERS: 3.19% $250 - $5k | 3.25% $5k - $25k | 3.30% $25k - $100k
3.30%*$100k*-18 Month Certificate
OTHER TIERS: 3.14% $250 - $5k | 3.20% $5k - $25k | 3.25% $25k - $100k
3.25%*$100k*-12 Month Certificate
OTHER TIERS: 3.09% $250 - $5k | 3.15% $5k - $25k | 3.20% $25k - $100k
3.25%*$100k*-Business 12 Month Certificate
OTHER TIERS: 3.09% $250 - $5k | 3.15% $5k - $25k | 3.20% $25k - $100k
3.18%*$100k*-24 Month Flex Certificate w/ 1x Rate Increase
OTHER TIERS: 3.02% $250 - $5k | 3.08% $5k - $25k | 3.13% $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
2.86%*$100k*-14 Month Certificate w/ Penalty-Free Withdrawal
OTHER TIERS: 2.55% $250 - $5k | 2.65% $5k - $25k | 2.75% $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
4.75%$5k-7 Month IRA Certificate Special - New Money
4.25%$5k-17 Month IRA Certificate Special - New Money
4.10%$5k-25 Month IRA Certificate Special - New Money
3.50%*$100k*-60 Month IRA Certificate
OTHER TIERS: 3.34% $250 - $1k | 3.40% $1k - $25k | 3.45% $25k - $100k
3.45%*$100k*-48 Month IRA Certificate
OTHER TIERS: 3.29% $250 - $5k | 3.35% $5k - $25k | 3.40% $25k - $100k
3.40%*$100k*-36 Month IRA Certificate
OTHER TIERS: 3.24% $250 - $5k | 3.30% $5k - $25k | 3.35% $25k - $100k
3.35%*$100k*-24 Month IRA Certificate
OTHER TIERS: 3.19% $250 - $5k | 3.25% $5k - $25k | 3.30% $25k - $100k
3.30%*$100k*-18 Month IRA Certificate
OTHER TIERS: 3.14% $250 - $5k | 3.20% $5k - $25k | 3.25% $25k - $100k
3.25%*$100k*-12 Month IRA Certificate
OTHER TIERS: 3.09% $250 - $5k | 3.15% $5k - $25k | 3.20% $25k - $100k
3.18%*$100k*-24 Month Flex IRA Certificate w/ 1x Rate Increase
OTHER TIERS: 3.02% $250 - $5k | 3.08% $5k - $25k | 3.13% $25k - $100k
3.10%*$100k*-6 Month IRA Certificate
OTHER TIERS: 2.95% $250 - $5k | 3.00% $5k - $25k | 3.05% $25k - $100k
2.86%*$100k*-14 Month IRA Certificate w/ Penalty-Free Withdrawal
OTHER TIERS: 2.55% $250 - $5k | 2.65% $5k - $25k | 2.75% $25k - $100k
Locations

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