Credit union · NCUA insured
TRUE Community Credit Union Savings Rates
TRUE Community Credit Union’s best savings rate is 0.50% APY on $10,000, with its Super Cash Money Market. Rates checked October 16, 2026.
How TRUE Community Credit Union’s savings rates compare
Compared with banks and credit unions near Jackson, MI, where TRUE Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TRUE Community Credit Union
3.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $325
High-Yield Savings Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
TRUE Community Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.50%
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 TRUE Community 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.
High-Yield Savings Account
3.25%APY
Intended for personal savings purposes. One High-Yield Savings Account per SSN. Available to new and current members. Membership eligibility and account approval required. Deposits are insured up to $250,000 by NCUA, with an additional $250,000 insured by ESI for balances over NCUA limits.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $100,000Applies to balances up to $100,000. No monthly maintenance fees. No minimum balance required to open. · $0 to open | 3.25% | $0 | $325 | Applies to balances up to $100,000. No monthly maintenance fees. No minimum balance required to open. |
| Over $100,000Balances over $100,000 earn the regular savings rate. · Unknown to open | 0.05% | Unknown | — | Balances over $100,000 earn the regular savings rate. |
Sources (4)
- trueccu.com
- trueccu.com/borrow/consumer-loans/auto.html
- trueccu.com/save/personal-savings
- trueccu.com/save/personal-savi…/high-yield-savings.html
All captured Sep 24, 2026
Super Cash Money Market
0.50%APY
No monthly service fee. Tiered rates based on balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $50,000 | 0.50% | $50 |
| $50,000 – $100,000 | 0.60% | — |
| Over $100,000 | 0.70% | — |
Regular Shares
0.05%APY
Establishes membership with TRUE Community Credit Union. Dividends computed on average daily balance, paid monthly. No limit or fees for withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends computed on average daily balance, paid monthly. $5 minimum deposit to open and maintain.Any balance | 0.05% | $5 | Dividends computed on average daily balance, paid monthly. $5 minimum deposit to open and maintain. |
Sources (2)
All captured Sep 24, 2026
Shares Pledged
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- trueccu.com/borrow/consumer-loans/auto.html · captured Sep 24, 2026
TRUE Money Tree
0.05%APY
Access savings anytime with unlimited withdrawals. Manage easily with free Digital Banking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service fee.Any balance | 0.05% | $5 | No monthly service fee. |
Sources (2)
All captured Sep 24, 2026
Non-Interest Shares
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (1)
- trueccu.com/borrow/consumer-loans/auto.html · captured Sep 24, 2026
Special-purpose accounts
IRA High-Yield Savings
3.25%APY
Available as Traditional IRA or Roth IRA. Rates are variable and may change after account opening. Stated APY applies to balances up to $100,000 per SSN; balances exceeding $100,000 earn the Regular Share savings rate (0.05%). One IRA High-Yield Savings Account allowed per SSN. Membership eligibility required. Subject to a $40 annual maintenance fee.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $100,000Applies to balances up to $100,000 for Traditional and Roth IRA High-Yield Savings. No minimum deposit required to open. Subject to $40 annual fee. · $0 to open | 3.25% | $0 | $325 | Applies to balances up to $100,000 for Traditional and Roth IRA High-Yield Savings. No minimum deposit required to open. Subject to $40 annual fee. |
| Over $100,000Balances over $100,000 earn the regular share savings rate. Subject to $40 annual fee. · Unknown to open | 0.05% | Unknown | — | Balances over $100,000 earn the regular share savings rate. Subject to $40 annual fee. |
Sources (3)
- trueccu.com/borrow/consumer-loans/auto.html
- trueccu.com/save/personal-savi…-high-yield-savings.html
- trueccu.com/rates.html
All captured Sep 24, 2026
Coverdell Education Saving Account (ESA) Share
0.25%APY
Tax-advantaged education savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- trueccu.com/borrow/consumer-loans/auto.html · captured Sep 24, 2026
IRA Share
0.25%APY
Available as Traditional, Roth, or Beneficiary IRA Share accounts. IRA accounts are subject to a $40 annual fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to IRA Traditional Share, IRA Roth Share, and IRA Beneficiary Share. Subject to $40 IRA annual fee.Any balance | 0.25% | $25 | Applies to IRA Traditional Share, IRA Roth Share, and IRA Beneficiary Share. Subject to $40 IRA annual fee. |
Sources (2)
All captured Sep 24, 2026
Club Accounts
0.05%APY
Includes Vacation Club (rolls over on June 1st) and Holiday Club (rolls over on November 1st). Funds disbursed as a transfer to your savings or as a check in the mail. One withdrawal allowed prior to maturity date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service fee. No minimum deposit to open. No minimum balance requirement. Make deposits at any time or set up direct deposit.Any balance | 0.05% | $5 | No monthly service fee. No minimum deposit to open. No minimum balance requirement. Make deposits at any time or set up direct deposit. |
Sources (3)
- trueccu.com/borrow/consumer-loans/auto.html
- trueccu.com/save/personal-savings
- trueccu.com/save/personal-savings/club-accounts.html
All captured Sep 24, 2026
Who can join TRUE Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, learns (attends school), works, or worships across the State of Michigan.
Membership information collected October 5, 2026.