Credit union · NCUA insured
TruNorthern Federal Credit Union
A $110.7M credit union headquartered in Malone, NY, with 5,873 members and 4 branches in New York. Best rates: CDs 3.29% and savings 0.20% APY.
TruNorthern Federal Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#142 of 267 in New YorkHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TruNorthern Federal Credit Union
Founded in 1972 and based in Malone, New York, TruNorthern Federal Credit Union is a member-owned financial institution.
Originally established as North Franklin Teachers' Federal Credit Union, it became North Franklin Federal Credit Union in 1983 and rebranded to TruNorthern in 2021.
The credit union serves residents and communities across St. Lawrence, Franklin, Clinton, and Essex counties in Northern New York.
- Headquarters
- 494 E Main St, Malone, NY 12953-2100
- NCUA charter
- 21026
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, or attend school in St. Lawrence, Franklin, Clinton, and Essex counties.
Cost to join
- A minimum deposit of $25 is required to open an account.
Branches
4 branches in New York
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New York
4 branches
Malone area · 2
- Main OfficeMain office494 E Main St, Malone, NY 12953Directions
- Disaster Recovery Location3349 State Route 11, Malone, NY 12953Directions
Brushton area · 1
- Brushton1274 Washington St, Brushton, NY 12916Directions
Chateaugay area · 1
- Chateaugay151 W Main St, Chateaugay, NY 12920Directions
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 | 11.70% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.72% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio11.70%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ 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 TruNorthern 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.