TruChoice Federal Credit Union Membership
Looking for a credit union in Maine? TruChoice Federal Credit Union offers checking and savings accounts, loans, digital banking, financial education, and other financial services to eligible individuals throughout Maine.
- Work with a dedicated local team who's mission is to help you understand and achieve your financial goals all while delivering great dividends on savings, low loan rates, and top of the line digital banking services.
- Talk to an actual human being who'll help build a plan for your goals, even if your financial situation is messy. We'll work with you to reduce your debt. In 2025 alone, we've helped members save over $1,279,159 in interest charges.
- Quick and Easy. Whether it's applying and signing for loans online, sending a quick text about your account, or signing into online banking for the first time, we're here to get you where you want to be.
What does membership mean?
Our members are our owners, and have a say in how TruChoice operates. All members are invited to attend our annual meeting, and we have an all volunteer Board of Directors. Since credit unions are not-for-profits, we don't have stockholders. Instead, profits are returned to members through lower fees, higher deposit rates and lower loan rates.
Are there special requirements to join?
Credit unions do have eligibility criteria depending on the groups or areas they serve. You can become a TruChoice member if,
- You live, work, worship, or attend school in one of TruChoice's 10 counties we serve: Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York County in Maine.
- You have an immediate relative who's already a member
Once you're a member, you're a member for life. Even if you move outside the area, you still have access to everything TruChoice has to offer.
All you have to do is apply online and once your membership is established, you can access TruChoice products and services. Ready to become a member?
Have questions? We're happy to help.
What are the requirements to become a TruChoice member?
To become a TruChoice member, you must meet the credit union's eligibility requirements. You qualify if you live, work, worship, or attend school in one of TruChoice's 10 eligible Maine counties, or if you have an immediate relative who is already a member.
Can I stay a TruChoice member if I move out of the area?
Yes. TruChoice states that once you become a member, you are a member for life. Even if you move outside of the area, you can continue to access TruChoice's products and services.
Why should I join a credit union instead of a bank?
Credit unions are not-for-profit financial institutions owned by their members rather than outside stockholders. TruChoice explains that earnings can be returned to members through lower loan rates, higher deposit rates, and lower fees.
What are the benefits of joining TruChoice Federal Credit Union?
TruChoice members have access to financial products and services including savings and lending options, digital banking, financial education and counseling, and insurance options through TruStage. TruChoice also emphasizes personalized service and working with members toward their financial goals.
