Economic Injury Disaster Loan

TruNorth Federal Credit Union is approved to offer the Economic Injury Disaster Loan (EIDL) through the Small Business Association. Members must apply on the Small Business Association website and be approved through the SBA.

SBA Website

COVID-19 Financial Relief

If you have been impacted by COVID-19, experience hardship, and need financial support, TruNorth is here to help. Our staff is here to discuss how we can help you through this challenging time.


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Mortgage Products

TruNorth offers a wide range of in-house mortgage options to help you find the best solution for your new home purchase.
  • Fixed rate mortgages
  • Balloon mortgages
  • Adjustable Rate mortgages
Please contact us for more information by calling (906) 485-1210.

TruNorth Federal Credit Union NMLS #691076
Kristin Thornton – NMLS #772045
Laura Perrault – NMLS #786117
Jamie Lindblom – NMLS #1830326
Nicholas Catlin – NMLS #1959647

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Home Equity Line of Credit

We offer home equity lines of credit with variable rates based on prime and tailored to your individual circumstances.
  • Access with online banking
  • Interest may be tax deductible – consult your tax advisor
Apply for a home equity line of credit today either online or at a TruNorth Federal Credit Union branch.
Apply Online

Member Advantage Mortgage

TruNorth has partnered with Member Advantage Mortgage, LLC to offer a wider range of mortgage solutions to our members.

  • Conventional Fixed Rate Products
  • Fixed rate mortgages
  • HARP and HAMP Loans
  • Government Products, including FHA, VA, and RD

For more information, or to apply online, click “more information” below.

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Member Advantage Mortgage

MAM, TruNorth and you: let’s work together. We offer a wider range of mortage options to our members through our partnership with MAM. Click for more information.

Auto & Recreational Loans

We offer great rates on new & used vehicle, RV, boat, motorcycle, and camper loans.

Click here to calculate your monthly loan payment.

Click below to apply for a loan today or apply in person at one of our branches. Give us a call for more information at (906) 485-5563.

Apply Online

First Time Borrowers

Establishing credit is easy to do with TruNorth Federal Credit Union’s first-time borrowers program. To qualify, you must be over 18, have no credit history and a monthly income. That’s it! If you meet these qualifications, you can borrow up to $5,000 without a co-signer to purchase a vehicle. (Any amount above $5,000 may require a cosigner.) You just need enough income to make your monthly payments – which should roughly be at least twice the monthly housing expense and your new car payment.

Apply Online

Gap PLUS Insurance

You can’t plan for every emergency that may come your way in life, but TruNorth Federal Credit Union is here to help if your vehicle is stolen or totaled in an accident with GAP Plus Credit Protection.

If one of these unforeseen accidents happens to you, there might be a difference between what your insurance company will pay and what you might still owe on your vehicle loan. That’s where GAP Plus Credit Protection comes in – it can help cancel the difference between the two. You would also reduce your next TruNorth Federal Credit Union vehicle loan by $1,000 if your replacement vehicle is bought within 60 days of your primary insurance settlement.

GAP Plus protection costs $325 and can be paid in cash or added directly to the loan balance. Stop by one of our branches or call to learn more about our GAP Plus Credit Protection today.

**Insurance products are not deposits, obligations of, or guaranteed by TruNorth Federal Credit Union and are not insured by the National Credit Union Share Insurance Fund (NCUSIF), or any other agency of the United States.  Any insurance required as a condition of an extension of credit by TruNorth Federal Credit Union may be purchased from a licensed insurance company of your choice.

Any Purpose Loans

An any purpose loan from TruNorth could help you pay for expected things like a vacation, home improvements or an upcoming wedding – or the unexpected like car repairs, medical bills or taxes. Our any purpose loan is also a good way to consolidate your debt thanks to our competitive loan rates.
  • Click here to view our rates
  • Flexible terms
  • No application fees
  • No collateral needed
  • $25,000 loan maximum
  • Rate discount when payments are set up for automatic deduction

Apply online or in person at any of our branches.

Apply Online

GAP Plus Insurance

There may be a GAP between your loan balance and your insurance settlement. That’s where TruNorth’s GAP Plus insurance comes in.

Share Secured Loans

A share secured loan uses the money you already have in a TruNorth Federal Credit Union savings account to secure your loan. Your savings account continues to earn dividends during the loan period and secured funds are released as the loan principal is reduced through payments. Click here to view our rates.
Apply Online

Visa Credit Cards

TruNorth offers a VISA credit card with a great competitive rate of 11.9% APR. There’s no annual fee, over the limit fee, or cash advance fee; the grace period is 25 days and we offer a no-fee balance transfer. Also, members can earn Scorecard Rewards on purchases. Apply online or in person at one of our branches.

Scorecard Rewards

Turn the dollars you spend on your TruNorth Federal Credit Union Visa® credit card into travel and brand-name merchandise with ScoreCard® Rewards. Since there’s no enrollment needed, you start earning points right away – all you have to do is make purchases using your Visa card! Already have our Visa card? You can click here to enroll in ScoreCard Rewards today.

To check your points, visit For merchandise redemption and point questions call (800) 854-0790. If you have travel questions, call (800) 842-3006.

Apply Online