Credit union · NCUA insured
TruChoice Federal Credit Union Savings Rates
Top CarrotTruChoice Federal Credit Union’s best savings rate is 0.90% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How TruChoice Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, ME, where TruChoice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruChoice Federal Credit Union
0.90%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $90
Money Market Accounts
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
TruChoice Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0002.10%
- QualifiedQualified0.90%
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 TruChoice Federal 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.
Money Market Accounts
0.90%APY
Balance Method: Daily Balance. Dividends Compounded: Monthly. Dividends Credited: Monthly. Dividend Period: Monthly. Minimum balance is required to obtain the respective APY for the dividend period. Entire balance is subject to corresponding APY. Rates are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Daily Balance <$200. Min. Balance $0. Entire balance is subject to corresponding APY. | 0.00% | — | Daily Balance <$200. Min. Balance $0. Entire balance is subject to corresponding APY. |
| $200 – $2,500Daily Balance $200 - $2,499.99. Min. Balance $200. Entire balance is subject to corresponding APY. | 0.35% | — | Daily Balance $200 - $2,499.99. Min. Balance $200. Entire balance is subject to corresponding APY. |
| $2,500 – $10,000Daily Balance $2,500 - $9,999.99. Min. Balance $2,500. Entire balance is subject to corresponding APY. | 0.50% | — | Daily Balance $2,500 - $9,999.99. Min. Balance $2,500. Entire balance is subject to corresponding APY. |
| $10,000 – $25,000Daily Balance $10,000 - $24,999.99. Min. Balance $10,000. Entire balance is subject to corresponding APY. | 0.90% | $90 | Daily Balance $10,000 - $24,999.99. Min. Balance $10,000. Entire balance is subject to corresponding APY. |
| $25,000 – $75,000Daily Balance $25,000 - $74,999.99. Min. Balance $25,000. Entire balance is subject to corresponding APY. | 1.90% | — | Daily Balance $25,000 - $74,999.99. Min. Balance $25,000. Entire balance is subject to corresponding APY. |
| $75,000 – $250,000Daily Balance $75,000 - $249,999.99. Min. Balance $75,000. Entire balance is subject to corresponding APY. | 2.10% | — | Daily Balance $75,000 - $249,999.99. Min. Balance $75,000. Entire balance is subject to corresponding APY. |
| $250,000 – $500,000Daily Balance $250,000 - $499,999.99. Min. Balance $250,000. Entire balance is subject to corresponding APY. | 2.90% | — | Daily Balance $250,000 - $499,999.99. Min. Balance $250,000. Entire balance is subject to corresponding APY. |
| $500,000 and upDaily Balance $500,000+. Min. Balance $500,000. Entire balance is subject to corresponding APY. | 3.90% | — | Daily Balance $500,000+. Min. Balance $500,000. Entire balance is subject to corresponding APY. |
Sources (2)
All captured Oct 3, 2026
Savings
0.15%APY
Dividends compounded and credited monthly based on average daily balance. $25 minimum deposit for primary share account; secondary savings accounts have no minimum deposit or balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Minimum balance required to obtain respective APY for dividend period. | 0.00% | — | Minimum balance required to obtain respective APY for dividend period. |
| $200 – $2,500Minimum balance required to obtain respective APY for dividend period. | 0.15% | — | Minimum balance required to obtain respective APY for dividend period. |
| $2,500 – $10,000Minimum balance required to obtain respective APY for dividend period. | 0.15% | — | Minimum balance required to obtain respective APY for dividend period. |
| $10,000 – $25,000Minimum balance required to obtain respective APY for dividend period. | 0.15% | $15 | Minimum balance required to obtain respective APY for dividend period. |
| $25,000 – $75,000Minimum balance required to obtain respective APY for dividend period. | 0.20% | — | Minimum balance required to obtain respective APY for dividend period. |
| $75,000 – $250,000Minimum balance required to obtain respective APY for dividend period. | 0.25% | — | Minimum balance required to obtain respective APY for dividend period. |
| $250,000 and upMinimum balance required to obtain respective APY for dividend period. | 0.30% | — | Minimum balance required to obtain respective APY for dividend period. |
Special-purpose accounts
Individual Retirement Account (IRA) – Traditional & Roth
1.20%APY
Available in Traditional and Roth options. Dividends compounded and credited monthly based on average daily balance. Minimum balance required to obtain the respective APY for the dividend period. Withdrawal and deposit limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $200 | 0.00% | — |
| $200 – $2,499 | 0.45% | — |
| $2,500 – $10,000 | 0.70% | — |
| $10,000 – $25,000 | 1.20% | $120 |
| $25,000 – $75,000 | 2.20% | — |
| $75,000 – $250,000 | 2.70% | — |
| $250,000 and up | 3.70% | — |
Sources (3)
All captured Oct 3, 2026
Club Accounts
0.15%APY
Dividends compounded and credited monthly based on average daily balance. Funds automatically sweep/transfer to primary savings account on October 20th each year; early withdrawals prior to automatic transfer on Oct 20th are subject to penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $200 | 0.00% | — |
| $200 – $2,500 | 0.15% | — |
| $2,500 – $10,000 | 0.15% | — |
| $10,000 – $25,000 | 0.15% | $15 |
| $25,000 – $75,000 | 0.20% | — |
| $75,000 – $250,000 | 0.25% | — |
| $250,000 and up | 0.30% | — |
Sources (3)
- trufcu.com/access/tools/rates
- trufcu.com/spend-save/savings/savings-club-accounts
- trufcu.com/spend-save/savings
All captured Oct 3, 2026
Who can join TruChoice Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.