Become a Member

If you would like to open an account and become a member of TruNorth, please call ahead to make an appointment. Our Account Specialists will sit down with you and decide what services fit your needs. Call (906) 485-1210 and let us know you would like to become a member!

Savings Account

To become a member at TruNorth Federal Credit Union, you must first open a regular share savings account. A $5.00 deposit establishes your membership in our credit union, as well as making you part owner. This minimum $5 must remain in your savings at all times in order to take advantage of our services.


We also offer Holiday and Vacation savings accounts at competitive rates.


Click HERE for an update to our Terms and Conditions effective July 1, 2020.

Checking Accounts

We offer our members free checking accounts with unlimited access.

Check Reorders

For your convenience, we now offer online reordering of checks through the Liberty Check Company. You must have your Liberty Check reorder slip when accessing this product. It is not based off of your account number.

Your form is on the second to last pack in your current box of checks. When you are ready to shop for new checks, our Online Ordering button can be found through our online banking service, Home Teller.

Money Market Accounts

If you’re looking for a savings account with a higher interest rate, then a TruNorth Federal Credit Union money market account might be just what you need. You can access your savings whenever you want!
  • Minimum deposit of $500 to open, which must be maintained
  • Earn dividends at a competitive rate
  • You can access your account up to six times a month*
Save and earn dividends at a higher rate with our money market account. To open one today, stop by any TruNorth Federal Credit Union branch or call us for more information.

*Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, or similar order to a third party. If you exceed these transfer limitations, your account will be subject to closure by the credit union.

Share Certificates

We offer share certificates at competitive rates. Certificates are a fixed-rate, fixed-term investment account and come in a variety of terms ranging from six months to five years.
  • Minimum balance of $500
  • Term options from 6 months to 5 years
  • Dividends are calculated, paid and compounded quarterly
  • Share Certificates with 2, 3 and 5 year terms are eligible for one rate “bump” for the remaining term if our rates increase on the identical term share certificate.

Health Savings

We offer a health savings account with a competitive rate. Debit cards are also available. Please contact our office for more information.

Youth Savings Accounts

Kirby Kangaroo Club©

Our credit union has a robust savings program to educate young members about savings habits! We also host fun Kirby parties! PARENTS: Sign up for our youth newsletter to receive invites directly to your email!

Kirby Kangaroo Club© is open to members ages 0-12. Earn Kirby punches and redeem them for great prizes!

Visit the Kirby Kangaroo Club© website to find stories, activities, and more!

Claim Your Youth© Club

If you’re between the ages of 13 and 17, then it’s time to Claim Your Youth©!

TruNorth does a monthly drawing based on amount saved in Claim Your Youth© accounts!

Visit the Claim Your Youth© website for articles, resources, and more!

TruNorth hosts quarterly events and parties for our youth members! PARENTS: To receive invitations, sign up for our youth mailing list by entering your information (NOT your child’s information!) below.

PARENTS: Sign up to get youth account updates and party invites sent to your inbox!

By submitting this form, you are consenting to receive marketing emails from: TruNorth Federal Credit Union, 1419 N. Second St, Ishpeming, MI, 49849, You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact

Save to Win

Save to Win is a special savings account that helps you build your savings while giving you chances to win monthly cash prizes! Every time you save $25 in a TruNorth Federal Credit Union Save to Win certificate, you get another chance to win – up to 10 chances every month. Plus, all the money you deposit into the Save to Win account is still yours.

Members will have a chance to win four quarterly grand prizes of $5,000 this year. TruNorth has had two grand prize winners since beginning the program in 2009–one in 2012, and one in 2014. In addition to the grand prizes, we’ve had countless other monthly winners. You could be a winner too!

Click here to learn more about the prizes available to TruNorth Save to Win account holders.

Investment & Retirement Services


We offer traditional IRA savings accounts with competitive rates. Call (906) 485-1210 for more information.

 Investment/Retirement Services

If the thought of diving into all of your investment and retirement savings options seems overwhelming, TruNorth Federal Credit Union has the answer – investment and retirement services. TruNorth Investment & Retirement Services* has financial planners that can help make sure you’re on the right path to reach your financial goals.

  • Investment and Retirement Services, Comprehensive financial planning, Investment advice, 401k/pension rollovers**, Retirement planning, Education funding, Mutual funds, Life insurance, Wealth management, Tax-managed investing, and MEMBERS Trust Services

When you team with TruNorth Investment & Retirement Services to plan your financial future, you can relax knowing that you’re in good hands with a trusted financial partner. For assistance please contact Geno Maino, Registered Representative at 906-485-1210 or 906-361-6550 or stop by our main branch in Ishpeming.

Check the background of this investment professional on FINRA’s BrokerCheck.

*Representative is neither a tax advisor nor attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

** Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options, and other important aspects between your employer sponsored retirement account and an IRA.


CUNA Brokerage Services

Financial Counseling

As a member of TruNorth Federal Credit Union you can schedule free financial sessions with our certified financial counselor. These sessions can help you with the following:

  • Improve or maintain your credit score
  • Manage your current debt
  • Set and achieve personal financial goals
  • Develop customized household spending plans
  • Improve your overall financial situation

TruNorth is proud to have a member of our service department with a Credit Union Financial Counselor (CCUFC) Certification. This certificate was created by CUNA, the Credit Union National Association, in an effort to help credit union financial counselors stay up-to-date with the latest counseling techniques and ensure credit union members are receiving informed and relevant financial advice.

If you are interested, or would like more information, please call (906) 485-1210.