Credit union · NCUA insured
Truliant Federal Credit Union
A $5.5B credit union, the 75th largest of 4,329, headquartered in Winston-Salem, NC, with 333,731 members and 38 branches in 3 states. Best rates: CDs 5.00% and savings 1.00% APY.
Truliant Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#18 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Truliant Federal Credit Union
Chartered in 1952 as Radio Shops Credit Union to serve Western Electric employees, Truliant Federal Credit Union is a member-owned financial institution.
Headquartered in Winston-Salem, North Carolina, Truliant operates more than 38 locations across the Carolinas and Virginia.
The credit union offers a full range of consumer and business financial services, including commercial and SBA lending.
- Headquarters
- 3200 Truliant Way, Winston-Salem, NC 27103
- NCUA charter
- 7840
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Residents of any U.S. state can join for free through membership in the American Consumer Council.
Where you live or work
- Eligible if you live, work, worship, or attend school in a county near a Truliant branch.
Employers and groups
- Employees of partner companies automatically qualify for membership.
Family and household
- Eligible if an immediate family or household member is a current Truliant member.
Cost to join
- Opening and maintaining a Membership Savings account requires a $5.00 minimum deposit/balance as a condition of membership.
Branches
38 branches in 3 states
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North Carolina
30 branches
Charlotte area · 10
- Park Rd4530 Park Rd Ste 110, Charlotte, NC 28209Directions
- South End Charlotte2400 South Blvd ste 102, Charlotte, NC 28203Directions
- Steele Creek14154 Steele Creek Rd, Charlotte, NC 28273Directions
- University1915 Back Creek Dr, Charlotte, NC 28213Directions
- Waverly7107 Waverly Walk Ave Unit A1, Charlotte, NC 28277Directions
- Gastonia3351 E Franklin Blvd Ste 106, Gastonia, NC 28056Directions
- Harrisburg3701 Main St, Harrisburg, NC 28075Directions
- Huntersville9706 Gilead Rd, Huntersville, NC 28078Directions
- Matthews324 N Trade St Ste 101, Matthews, NC 28105Directions
- Mint Hill7114 Brighton Park Dr Ste 300, Mint Hill, NC 28227Directions
Greensboro area · 8
- E Dixie Dr1055 E Dixie Dr, Asheboro, NC 27203Directions
- N Fayetteville St1200 N Fayetteville St Ste F, Asheboro, NC 27203Directions
- Battleground Ave MFC2504 Battleground Ave, Greensboro, NC 27408Directions
- Friendly Center600 Green Valley Rd Ste 100, Greensboro, NC 27408Directions
- New Garden Rd1655 New Garden Rd, Greensboro, NC 27410Directions
- S Elm-Eugene St2914 S Elm Eugene St, Greensboro, NC 27406Directions
- N Main St2305 N Main St Ste 103, Suite 103, High Point, NC 27262Directions
- Nc Hwy 684006 Mendenhall Oaks Pkwy, High Point, NC 27265Directions
Winston-Salem area · 7
- Corporate Office & Branch OfficeMain office3200 Truliant Way, Winston-Salem, NC 27103Directions
- Clemmons4100 Clemmons Rd, Tanglewood Commons Shopping Center, Clemmons, NC 27012Directions
- Kernersville794 S Main St Ste A, Kernersville, NC 27284Directions
- Lexington170 Lowes Blvd, Lexington, NC 27292Directions
- Downtown Winston-Salem893 N Liberty St Ste A, Winston-Salem, NC 27101Directions
- North Point Blvd7780 N Point Blvd, Winston-Salem, NC 27106Directions
- Robinhood Rd3410 Robinhood Rd, Winston-Salem, NC 27106Directions
Burlington area · 4
- Burlington2564 Kirkwood Dr, Burlington, NC 27215Directions
- Elon1205 University Dr Unit 114, Burlington, NC 27215Directions
- Graham915 S Main St, Graham, NC 27253Directions
- Mebane1801 S NC-119 Hwy, Mebane, NC 27302Directions
Shelby area · 1
- Shelby621 S Dekalb St, Shelby, NC 28150Directions
South Carolina
6 branches
Greenville area · 5
- Easley5660 Calhoun Memorial Hwy, Easley, SC 29640Directions
- Cherrydale6 State Park Rd, Greenville, SC 29609Directions
- Pelham Rd3621 Pelham Rd, Greenville, SC 29615Directions
- Greer SC901 W Wade Hampton Blvd, Greer, SC 29650Directions
- Mauldin SC513 N Main St, Mauldin, SC 29662Directions
Spartanburg area · 1
- Boiling Springs2241 Boiling Springs Rd, Boiling Springs, SC 29316Directions
Virginia
2 branches
Blacksburg area · 1
- Radford7321 Peppers Ferry Blvd, Fairlawn, VA 24141Directions
Wytheville area · 1
- Wytheville800 E Main St Ste 130, Wythe Shopping Plaza, Wytheville, VA 24382Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.56% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.90% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.25% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalNet worth ratio10.56%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.90%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.25%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Truliant Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.