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Last Updated: 04/18/2025

TRU-FI Credit Union Savings Account

from TRU-FI Credit Union

Last Updated: 04/18/2025

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Highlights

APY (Annual Percentage Yield)

0.10%(Verified 06/21/2024)

Minimum Opening Deposit

Minimum Balance to Earn APY

TRU-FI Credit Union Savings Account Review

TRU-FI Credit Union Savings Account is offered by TRU-FI Credit Union, a credit union founded in 1967 and based in Macclenny, FL. TRU-FI Credit Union Savings Account are available in 50 states and Washington, DC.

Key Takeaways

Low interest rate. The maximum annual percentage yield for this account is only 0.10%.
No monthly maintenance fees. This account does not charge any monthly account fees.
Small minimum initial deposit. You only need $5.00 to open an account.

TRU-FI Credit Union Savings Account Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Dividend-yielding account.
Insured by NCUA.
Access to physical branches.

Does not offer mobile check deposits.
Does not provide access to a nationwide ATM network.
Does not come with a debit card
No signup bonus.

TRU-FI Credit Union Savings Account FAQ

Are savings accounts from TRU-FI Credit Union federally insured?

Yes, your savings 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.

Does TRU-FI Credit Union offer a signup bonus?

TRU-FI Credit Union Savings Account doesn't offer a signup bonus.

What is the minimum initial deposit for TRU-FI Credit Union Savings Account?

The minimum deposit to open a TRU-FI Credit Union Savings Account is $5.00.

TRU-FI Credit Union Savings Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

$0.00

Minimum Balance to Earn APY

$0.00

Minimum Opening Deposit

$5.00

What APY does TRU-FI Credit Union Savings Account offer?

TRU-FI Credit Union Savings Account offers an APY of 0.10% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does TRU-FI Credit Union Savings Account charge?

TRU-FI Credit Union Savings Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

Outgoing domestic bank transfers come with a $25.00 fee.
Incoming domestic bank transfers come with a $5.00 fee.
Outgoing international bank transfers come with a $35.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
Incoming international bank transfers come with a $5.00 fee.
TRU-FI Credit Union Savings Account charges a $5.00 fee for an early account closure. Contact TRU-FI Credit Union Savings Account for more details on what is considered an early closure.
An overdraft on your account will trigger a $35.00 fee per item.
TRU-FI Credit Union Savings Account charges $5.00 every time you request a paper statement.

Does TRU-FI Credit Union Savings Account charge overdraft fees?

Yes, TRU-FI Credit Union Savings Account charges a $35.00 overdraft fee.

What features and perks does TRU-FI Credit Union Savings Account offer?

This savings account includes the following features:

Can you set up a direct deposit to TRU-FI Credit Union Savings Account?

Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

602 S 6th St

Macclenny, FL 32063

(904) 259-6702

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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

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Other Savings Accounts from TRU-FI Credit Union

TRU-FI Credit Union Christmas Club Account

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APY (Annual Percentage Yield)

0.25%

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Minimum Opening Deposit

Minimum Balance to Earn APY

$50

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TRU-FI Credit Union Club Savings Account

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APY (Annual Percentage Yield)

0.10%

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Minimum Opening Deposit

Minimum Balance to Earn APY

$50

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TRU-FI Credit Union Individual Retirement Account

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APY (Annual Percentage Yield)

0.50% - 0.95%

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Minimum Opening Deposit

Minimum Balance to Earn APY

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TRU-FI Credit Union Kids Club Savings Account

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APY (Annual Percentage Yield)

0.50%

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Minimum Opening Deposit

Minimum Balance to Earn APY

$50

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TRU-FI Credit Union Super Cash Account

Rating not yet determined

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APY (Annual Percentage Yield)

1.30% - 1.60%

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Minimum Opening Deposit

$5,000

Minimum Balance to Earn APY

$5,000

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

Everyone recommends

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