TruNorthern Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.trunorthernfcu.org

518-483-8668

494 E Main St
Malone, NY 12953

TruNorthern Federal Credit Union is headquartered in Malone and is the 88^th largest credit union in the state of New York. It is also the 1,846^th largest credit union in the nation. It was established in 1972 and as of March of 2025, it had grown to 18 employees and 5,616 members at 4 locations. TruNorthern Federal Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

TruNorthern Federal Credit Union is open to anyone who lives, works, worships, or attends school in the New York counties of Clinton, Essex, Franklin, or St. Lawrence.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. TruNorthern Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	21026
Year Chartered	1972
Employees	18
Primary Regulator

Profit Margin
Return on Assets - YTD	0.64%
Return on Equity - YTD	7.67%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$98.5MM$90MM
Loans	Q1 2025vs Q1 2024	$53.5MM$42.7MM
Deposits	Q1 2025vs Q1 2024	$89.6MM$82.8MM
Equity Capital	Q1 2025vs Q1 2024	$8.1MM$6.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$166K$92K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$313K$341K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TruNorthern Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$10k^*	-	Regular Share
OTHER TIERS: 0.05% → $100 - $2k \| 0.07% → $2k - $10k

TruNorthern Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$75k^*	-	Money Market Accounts
OTHER TIERS: 0.20% → $10k - $25k \| 0.40% → $25k - $50k \| 0.60% → $50k - $75k

TruNorthern Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.56%	$1k	-	6 Month Share Certificate
2.27%	$1k	-	60 Month Share Certificate
2.02%	$1k	-	12 Month Share Certificate
1.51%	$1k	-	36 Month Share Certificate
1.11%	$1k	-	24 Month Share Certificate

TruNorthern Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	IRA Variable Shares

Locations

TruNorthern Federal Credit Union Locations
Branch Office	494 E Main St	Malone, NY 12953-2100
Corporate Office	255 Fiserv Dr	Brookfield, WI 53045-5815
Branch Office	1274 Washington St	Brushton, NY 12916
Branch Office	3349 State Route 11	Malone, NY 12953

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