Credit union · NCUA insured
Tru-Fi Credit Union Savings Rates
Tru-Fi Credit Union’s best savings rate is 1.35% APY on $10,000, with its TRU Super Cash Account. Rates checked October 15, 2026.
How Tru-Fi Credit Union’s savings rates compare
Compared with banks and credit unions near Jacksonville, FL, where Tru-Fi Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tru-Fi Credit Union
1.35%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $135
TRU Super Cash Account
Top rate
JM Associates FCU
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
Tru-Fi Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0001.55%
- QualifiedQualified1.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Tru-Fi Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
TRU Super Cash Account
1.35%APY
Access money two times per month penalty-free. Dividend rates are compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Balance < $5,000. $5,000 minimum balance to open. | 0.00% | — | Balance < $5,000. $5,000 minimum balance to open. |
| $5,000 – $49,999Balance $5,000 - 49,999. $5,000 minimum balance to open. | 1.35% | $135 | Balance $5,000 - 49,999. $5,000 minimum balance to open. |
| $50,000 – $99,999Balance $50,000 - 99,999. $5,000 minimum balance to open. | 1.45% | — | Balance $50,000 - 99,999. $5,000 minimum balance to open. |
| $100,000 – $149,999Balance $100,000 - 149,999. $5,000 minimum balance to open. | 1.55% | — | Balance $100,000 - 149,999. $5,000 minimum balance to open. |
| $150,000 and upBalance > $150,000. $5,000 minimum balance to open. | 1.75% | — | Balance > $150,000. $5,000 minimum balance to open. |
Sources (2)
All captured Sep 18, 2026
Tru Savings Accounts - Regular Share
0.10%APY
A one-time $10 fee and $5 deposit opens your TRU dividend-earning savings account and grants lifetime membership at the Credit Union. Dividend rates compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upBalance must be $50 and greater to earn dividends. $5 minimum balance to open. No monthly fee.$50 and up | 0.10% | $10 | Balance must be $50 and greater to earn dividends. $5 minimum balance to open. No monthly fee. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
TRU-Savers Kids Club Savings Account
1.50%APY
$10.00 fee for withdrawals prior to age 16. Automatic conversion to a TRU savings upon 18th birthday. Dividend rates are compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Kid's Club (up to $50,000). Balance must be $50 and greater to earn dividends. $5.00 minimum deposit to open. | 1.50% | $150 | Kid's Club (up to $50,000). Balance must be $50 and greater to earn dividends. $5.00 minimum deposit to open. |
| $50,001 and upKid's Club ($50,001 or Greater). Balance must be $50 and greater to earn dividends. $5.00 minimum deposit to open. | 0.10% | — | Kid's Club ($50,001 or Greater). Balance must be $50 and greater to earn dividends. $5.00 minimum deposit to open. |
Sources (2)
All captured Sep 18, 2026
Tru Traditional/Roth IRA Accounts
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Balance < $15,000. | 0.50% | $50 | Balance < $15,000. |
| $15,001 – $50,000Balance $15,001 to $50,000. | 0.60% | — | Balance $15,001 to $50,000. |
| $50,001 – $100,000Balance $50,001 to $100,000. | 0.65% | — | Balance $50,001 to $100,000. |
| $100,001 – $150,000Balance $100,001 to 150,000. | 0.85% | — | Balance $100,001 to 150,000. |
| $150,001 and upBalance $150,001 or Greater. | 0.95% | — | Balance $150,001 or Greater. |
Sources (1)
- truficu.org/resources/current-rates · captured Sep 18, 2026
TRU Christmas Club Account
0.25%APY
Funds transferred automatically to your TRU savings account each November 1st. Dividend rates are compounded and credited monthly. Each early withdrawal of funds will be subject to a $10 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upBalance must be $50 and greater to earn dividends. No minimum balance to open. No monthly fee.$50 and up | 0.25% | $25 | Balance must be $50 and greater to earn dividends. No minimum balance to open. No monthly fee. |
Sources (2)
All captured Sep 18, 2026
TRU Club Savings Account
0.25%APY
Access money twice a year - $10 fee for each additional withdrawal. Dividend rates are compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upBalance must be $50 and greater to earn dividends. No minimum balance to open. No monthly fee.$50 and up | 0.25% | $25 | Balance must be $50 and greater to earn dividends. No minimum balance to open. No monthly fee. |
Sources (2)
All captured Sep 18, 2026
Who can join Tru-Fi Credit Union
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.
Membership information collected October 5, 2026.