Credit union · NCUA insured
TruStar Federal Credit Union
A $374.2M credit union headquartered in International Falls, MN, with 19,213 members and 6 branches in Minnesota. Best rates: savings 1.70% APY.
TruStar Federal Credit Union Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#6 of 8 in Bemidji, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TruStar Federal Credit Union
TruStar Federal Credit Union is a financial cooperative serving members across Koochiching, Beltrami, Hubbard, Becker, Wadena, and Northwest St. Louis Counties.
For more than 60 years, the credit union has worked to enrich the lives of its members and local communities.
- Headquarters
- 601 4th St, International Falls, MN 56649-2436
- NCUA charter
- 24626
Branches
6 branches in Minnesota
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Minnesota
6 branches
International Falls area · 1
- International FallsMain office601 4th St, International Falls, MN 56649Directions
Bemidji area · 1
- Bemidji2313 TruStar Ave NW, Bemidji, MN 56601Directions
Littlefork area · 1
- Littlefork201 Main St, Littlefork, MN 56653Directions
Menahga area · 1
- Menahga211 1st St NE, Menahga, MN 56464Directions
Nevis area · 1
- Nevis102 County 13, Nevis, MN 56467Directions
Park Rapids area · 1
- Park Rapids703 1st St E, Park Rapids, MN 56470Directions
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 | 15.42% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.36% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.44% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $90 | $76 | — |
- CapitalNet worth ratio15.42%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.36%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.44%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$90Peers’ 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 TruStar 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.