--- title: "Truchoice Credit Union Rates - Maine" description: "Current heloc, and credit card rates from Truchoice Credit Union in Maine. Updated daily with source verification. See who can join Truchoice Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maine/truchoice" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Truchoice Credit Union Rates - Maine **Awaiting fresh data:** auto rates appeared in the latest dated market snapshot, but those rows are outside the current serving window. We do not present stale figures as current rates. ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.000% | — | Standard | Truchoice Credit Union heloc rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Cash Back Rewards Credit Card** credit_card_cash_back | — APR | 18.000% | — | Standard | Truchoice Credit Union credit card rates as of November 13, 2026 Truchoice Credit Union is a credit union in Maine. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maine/truchoice) , verified from [Truchoice Credit Union's official website](https://www.trufcu.com/) Best statewide position **#2 of 20** 12-Month CD (best APY) Percentile band **Top 10%** among comparable ME offers Products tracked **4** in this dated snapshot Best-position spread **35 bp better than state median** 0 bp from state best | Product | Published rate | State rank | State best | State median | Position vs. median | | New Auto Loan (best offer, cars) | 4.25% APR | #3 of 9 · top 34% | 2.75% | 4.65% | 40 bp better than state median | | Used Auto Loan (best offer, cars) | 4.25% APR | #2 of 10 · top 20% | 4.00% | 5.00% | 75 bp better than state median | | HELOC (best offer) | 7.01% APR | #23 of 24 · top 96% | 4.99% | 6.42% | 59 bp behind state median | | 12-Month CD (best APY) | 4.00% APY | #2 of 20 · top 10% | 4.00% | 3.65% | 35 bp better than state median | Published rate position by comparable product on July 25, 2026 Loading branch locator… ## About Truchoice Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.6K Assets $253.6M Founded 1955 Locations reported 4 NCUA charter 10100 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Trademark** South Portland Branch · South Portland · ME · 04106-5535 About 0.4 miles away](https://rateapi.dev/credit-unions/maine/trademark) [**Town & Country** Main Street Branch · South Portland · ME · 04106-5408 About 0.9 miles away](https://rateapi.dev/credit-unions/maine/town-country) [**Evergreen** South Portland · South Portland · ME · 04106 About 1.1 miles away](https://rateapi.dev/credit-unions/maine/evergreen) [**Maine Solutions** CU Branch · South Portland · ME · 04106 About 1.8 miles away](https://rateapi.dev/credit-unions/maine/maine-solutions) [**Cport** Forest Ave Location · Portland · ME · 04101 About 2.3 miles away](https://rateapi.dev/credit-unions/maine/cport) [**Empeople** Portland · Portland · ME · 04101 About 2.4 miles away](https://rateapi.dev/credit-unions/illinois/empeople) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Truchoice Credit Union Membership eligibility from Truchoice Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Truchoice Credit Union's website. Check the membership page below to confirm whether you qualify. - Location androscoggin, cumberland, franklin, kennebec, knox, lincoln, oxford, sagadahoc, somerset, york — ME Verified from [Truchoice Credit Union's membership page](https://www.trufcu.com/learn/about-us/membership) . Final membership determination is always made by the credit union. ## Membership rules for Truchoice Credit Union Geography 10 counties · Family 41 published paths to membership, last verified November 8, 2026, quoted from Truchoice Credit Union’s own published criteria. ### Geography 10 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Androscoggin County, ME - Cumberland County, ME - Franklin County, ME - Kennebec County, ME - Knox County, ME - Lincoln County, ME - Oxford County, ME - Sagadahoc County, ME - Somerset County, ME - York County, ME “NCUA call report 2026-03-31: TOM_CODE=66 (community charter); branch footprint: Cumberland County, ME; York County, ME” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate relative “You have an immediate relative who's already a member” > [source ↗](https://www.trufcu.com/learn/about-us/membership) - Family member (immediate relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Truchoice Credit Union? Yes No ## Work at Truchoice Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Truchoice Credit Union ranks against Maine peers. - See which AI assistants fetched Truchoice Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maine - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=truchoice&state=maine&code=ME&name=Truchoice%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Truchoice Credit Union offer? Truchoice Credit Union currently offers HELOC, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Truchoice Credit Union rates updated? RateAPI verifies Truchoice Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Truchoice Credit Union's rate data? Rate data is collected directly from Truchoice Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Truchoice Credit Union? Truchoice Credit Union publishes its membership criteria on its own website. RateAPI tracks 41 published membership paths covering 10 counties for Truchoice Credit Union, each quoted from Truchoice Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Truchoice Credit Union's rates against national credit-union benchmarks. [More Maine credit unions](https://rateapi.dev/credit-unions/maine) [Maine HELOC rate leaders](https://rateapi.dev/heloc-rates/maine) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.trufcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Truchoice Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maine credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Truchoice Credit Union curl "https://api.rateapi.dev/credit-unions/maine /truchoice " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Truchoice Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maine/truchoice Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp