Last Updated: 01/21/2026
TRU-FI Credit Union Mega Money Checking Account
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in Checking Accounts from TRU-FI Credit Union
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.25%(Verified 06/21/2024)
Monthly Service Fee
$20(Verified 01/21/2026)
TRU-FI Credit Union Mega Money Checking Account Review
The TRU-FI Credit Union Mega Money Checking Account is offered by TRU-FI Credit Union, a credit union founded in 1967 and based in Macclenny, FL. TRU-FI Credit Union Mega Money Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. TRU-FI Credit Union Mega Money Checking Account has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $5000.00.
- Waivable monthly maintenance fee. Waived if average daily balance is ≥ $2,500.00
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. TRU-FI Credit Union Mega Money Checking Account does not charge fees on ATM transactions .
TRU-FI Credit Union Mega Money Checking Account Pros & Cons
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TRU-FI Credit Union Mega Money Checking Account FAQ
Are checking accounts from TRU-FI Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does TRU-FI Credit Union Mega Money Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
TRU-FI Credit Union Mega Money Checking Account offers an APY of 0.25% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $5000.00.
What are the account minimums for TRU-FI Credit Union Mega Money Checking Account?
TRU-FI Credit Union Mega Money Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $2,500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $5,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does TRU-FI Credit Union Mega Money Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $20.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does TRU-FI Credit Union Mega Money Checking Account charge overdraft fees?
Yes, TRU-FI Credit Union Mega Money Checking Account charges a $35.00 fee for every overdraft.What features and perks does TRU-FI Credit Union Mega Money Checking Account offer?
This account includes the following features:
- Mobile Banking Services - TRU-FI Credit Union Mega Money Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 6:00PM
Saturday
Closed