Credit union · NCUA insured
Tru-Fi Credit Union
A $142.8M credit union headquartered in Macclenny, FL, with 8,031 members and 3 branches in Florida. Best rates: CDs 3.80% and savings 1.35% APY.
Tru-Fi Credit Union Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#13 of 29 in Jacksonville, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tru-Fi Credit Union
Founded in 1967 as Baker County Federal Credit Union, the credit union became Country Federal Credit Union in 1996, Country Financial Credit Union in 2018, and TRU·FI Credit Union in 2021.
Headquartered in Macclenny, Florida, the credit union serves members across Baker, Nassau, and Duval counties.
- Headquarters
- 602 S 6th St, Macclenny, FL 32063-2608
- NCUA charter
- 68691
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school or church in Baker County, Nassau County, or ZIP codes 32234, 32220, or 32221 of Duval County, Florida, are eligible for membership.
Family and household
- Immediate family members (related by blood, marriage, or adoption) of members and individuals permanently living within a primary member's household are eligible to join.
Other ways
- Organizations of people within the field of membership (or their immediate family), including corporations, LLCs, and partnerships, are eligible for membership.
Branches
3 branches in Florida
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Florida
3 branches
- Macclenny BranchMain office602 S 6th St, Macclenny, FL 32063Directions
- Baldwin Branch100 Lima St S, Baldwin, FL 32234Directions
- Callahan Branch450027 Old Dixie Hwy, Callahan, FL 32011Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.60% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.77% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio12.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.60%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.77%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Tru-Fi Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.