Dividends are paid quarterly on our share savings accounts, and deposits are insured to $100,000 through NCUA, National Credit Union Administration, an agency of the Federal Government. See a Member Service Representative for ways to increase the amount that can be covered by NCUA.

Share Draft (Checking) Account – A TFCU Share Draft account has no minimum balance requirement, no monthly fee and no per item charge. Access is available through drafts, ATM and/or Debit cards, and online banking.

Money Market Account – The Money Market Account is an investment account that provides higher dividend yields and accessibility to your funds when you need them.  The tiered dividend rates start competitively and grow even higher with your balance.  

You can write up to three personal Money Market checks per month, but there is no limit to the number of in-person withdrawals you may make.  You may make a total of up to six electronic withdrawals or transfers per month, including the maximum of three withdrawals by check.

Click here for more details about this new investment account from your credit union, including current rates.

back to top

Share Certificates – You can earn higher dividends with a share certificate. Dividend rates vary according to the amount deposited and the length of time. Please ask us for our current dividend rates.

TruChoice Certificate – This certificate gives you choices for your investment funds.  Open initially with $2,500.00 to earn an attractive APY (Annual Percentage Yield) and leave on deposit for 24 months.  You may choose to make additional deposits, anytime, of at least $1,000.00 or more.  If you need funds in the future, you make a one-time penalty free withdrawal of up to 50% of the face value of the certificate.  You may also choose to “bump-up” the rate once during the term of the certificate.  The TruChoice Certificate provides you with brighter banking solutions to handle your investment money.

Bump Up Certificate – Now you can take advantage of any possible increase in interest rates by purchasing a 36 or 60-month certificate.  TruStar Federal Credit Union offers a one-time “Bump-Up” of your dividend rate during the term of the certificate.

Flex Term Certificate – Now you can name the term of your certificate.  TruStar Federal Credit Union gives you the flexible option of deciding how long you want the term on your certificate.  The Flex Term is available on any TFCU certificates with a maturity of one year or more.  Contact a Member Service Representative for more information.

IRA Options – TFCU offers both Traditional and Roth IRAs along with the Coverdell Educational IRA. Invest in your future with an IRA for yourself or set aside money for your children’s education. See one of our Member Service Representatives for more information. Please consult a tax professional for your personal options.

NCUA Insurance – If the safety and availability of your money is important to you, then satisfying your personal financial needs at our credit union is logical. Deposits of our members are insured for up to $100,000 by the National Credit Union Administration (NCUA), an agency of the U.S. government. No one has lost a penny placed in trust with a federally insured credit union.

Direct Deposit and Payroll Deductions – A free, convenient service to provide easy, fast and safe deposit of your payroll, retirement, government checks or other regular deposits. Payroll Deduction allows you to direct money for savings or loan payments.

Money Orders and Bank Drafts – For when you need something other than a regular draft.

back to top

Traveler’s Checks – American Express Traveler’s Checks are accepted worldwide, available at any branch.

Wire Transfers – On occasion, members find that they urgently need to send or receive funds to or from another financial institution. This transaction requires the wiring of funds.  Members can request that the credit union wire funds from their TruStar Federal Credit Union account to another financial institution, or vice-versa, including foreign and domestic wire transfers.

 If you wish us to wire funds from TruStar FCU, please submit a signed Wire Transfer Request Form to the credit union. In some instances, you will need to be available by phone to authenticate information you have given us; in other cases, we will need to have verifying information on file ahead of time (a password or PIN) to help us confirm your identity.

Fees for outgoing wires and Western Union transfers are as follows:  

Types of Transfer          USA          International

Wire Transfer              $20.00             $45.00
Western Union            $25.00             $45.00

Link to Wire/Western Union Authorization Transfer Agreement

Link to Wire/Western Union Transfer Form

U.S. Savings Bonds – Member Service Representatives can help you with Series E, EE, H, and I Bond purchases and redemptions for no service fee.

MARS – From the convenience of any touch-tone phone, you can access your credit union accounts to verify balances, transfer funds from one account to another and check on drafts cleared. Members Audio Response System is available free to all members. Call (218) 283-5555 or 1-800-887-4551 (continental U.S.) 24 hours a day, 7 days a week. 

MembersNet Internet Service – Unlimited Internet Service available to all members. A discounted monthly fee is available to members with a two account relationship.  See your Member Service Representative to set up your MembersNet Internet and email account.

back to top

TruBank – Gives you free online access to your accounts 24 hours a day. Log on to www.trustarfcu.com and sign in to view share and loan accounts, make consumer loan payments, advance funds from Lines of Credit, transfer funds and even view and print out your statements. Sign up through the Members Audio Response System by calling (218) 283-5555 or 1-800-887-4551 to get your PIN (Personal Identification Number).

TruPay – Online bill pay service from our website where you can pay an unlimited number of monthly bills to anyone you receive an invoice from for a small monthly fee. It’s safe, secure and efficient. Sign up online today!

ATM and Debit Cards – A TFCU ATM card gives you convenient access to your credit union accounts 24 hours a day, seven days a week from thousands of ATMs across the country. The TFCU Debit card is a widely accepted alternative to writing a check. Use it to pay for purchases anywhere you see the VISA Debit Cards are accepted. The Debit Card also gives you ATM access to your credit union accounts. Verified by VISA.

Organizational Draft Account – This draft account is specifically designed for small businesses and organizations. There is no minimum balance, no monthly fees and it does not earn dividends.

Safe-Deposit Boxes – Available in three different sizes at the Main Office and the Park Rapids branch and two sizes at the Big Falls Branch for the safe keeping of your important documents such as abstracts, certificates of birth and/or marriage, or tax documents. Safe-Deposit Box rental is paid annually prorated monthly with an automatic payment from your credit union account.

back to top

TruSwitch - If you have logged onto our website www.trustarfcu.com, you probably have noticed a new “button” named TruSwitch.  This service offers online assistance to members, new and existing, who want to switch their existing accounts at another financial institution to TruStar FCU.   

TruChat - TruStar rolled out a new service for our online members – TruChat!  Now when you are at our website and reviewing information on our ”Products and Services,” “Loans,” or “Savings” web pages, you have the opportunity to “chat” online with a Financial Service Representative.  After about 10 seconds a “pop up” will appear and ask if you have any questions.  Simply click “Please” to ask a question or “No Thanks” to close out the chat box.  Our Financial Service Representatives are prepared to answer questions you may have during the hours of 9:00 a.m. to 5:00 p.m. during the business week.  One more way your credit union is providing a brighter banking solution!

STAR Savings - We'll help you make saving automatic - and easy - with our STAR Savings Account. When you save each month through direct deposit, automatic payroll deduction, ACH or automatic transfer, we'll give you a premium rate.
For STAR Savings calculator click on link STAR Savings calculator

Change of Address:  When you move, it is important that TruStar Federal Credit Union moves with you!  Please print out our change of address form below, complete, sign and mail or fax to:

To avoid mailing delays, please complete your change of address promptly.  Signatures are required for all address changes.          

back to top