TRU FI is an NCUA-insured credit union located in Macclenny, FL. New auto loan rates from 6.03% APR. Google rating: 4.2 out of 5 from 94 reviews.
NCUA Insured
Member-Owned
2 charter
Established in 1967
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Macclenny, FL may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1967
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Macclenny and serves members in the FL area. Currently serving 8,031 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Why this matters
These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.
Source: NCUA Federally Insured Credit Unions list, Q1 2026.
Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.
New Auto Loan
6.03%Used Auto Loan
7.85%Personal Loan
12.00%Credit Card APR
13.84%Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in FL (NCUA Q1 2026).
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Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
See how TRU FI stacks up against other credit unions nearby — sorted by lowest APR.
4.2
94 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsMitch Taylor
3 months ago
Tiah went over and beyond to make my new home purchase easy as could be we emailed several times through out the process always got right back to me highly recommend her for any of your home loans thanks again Tiah
Asheleigh Mulkey
a year ago
We just recently switched to this local credit union after being with a big branch bank for years. I regret that we didn’t switch sooner!! The service we have received has been phenomenal! Every time we walk in, no matter what teller is at the desk, they greet me by name before I even tell them any info. They respond to messages within minutes and are always so nice. The personal touches they provide is something a big branch bank could never provide. I’m so glad we decided to go with them and I just know we’ll be lifelong customers now!
micah morrison
9 months ago
So far so good greeted by a uniformed officer at the door place is clean staff friendly and it smells really nice so far no complaints at all
Kaylee Rogers
11 months ago
I recently switched from a larger bank to my local Tru-Fi, and EJ Carasco was incredibly helpful in setting up my account and ensuring the whole transition went smoothly. I was initially hesitant to make the change, but after EJ’s recommendation, I’m so glad I did!
Matthew Stafford
a year ago
Just switched over to Tru Fi. EJ helped us make the switch. He was helpful and pleasant to work with! We were seen super quick after coming inside. The process was smooth and fast! I highly recommend!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(904) 259-6702Website
Visit WebsiteMembers
8,031
Total Assets
$142.8M
Year Opened
1967
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile