News

The geese aren’t the only thing flying south… your car payment can too.

If you’re still paying on an auto loan from another financial institution, now is a great time to take a fresh look at your rate. TruNorthern Federal Credit Union is offering a limited-time used auto refinance special designed to help you lower your monthly payment, reduce interest over time, and give your budget a little breathing room.

Refinance Special: 2% Off Your Qualified Rate + 90 Days with No Payments

When you refinance your used auto loan with TruNorthern, you can receive:

• 2% off the interest rate you qualify for (based on your paper grade)
• 90 days with no payments to help you reset and get ahead

Whether you’re looking to lower your payment, pay off your vehicle sooner, or simply make your monthly budget easier to manage- refinancing could be a smart move.

Why refinance your auto loan?

Refinancing may help you:

• Reduce your monthly payment by lowering your rate
• Pay less interest over the life of your loan
• Adjust your term to better match your current goals
• Simplify your finances by moving your loan to a local, member-focused credit union

Who is this offer for?

This promotion is available for:

• Used vehicle loans currently financed at another financial institution
• Members (or those who become members) who meet credit and underwriting guidelines

If you’re not sure whether you qualify, our team can help you explore options and walk you through what refinancing could look like for you.

Don’t wait! Offer ends March 31, 2026

This refinance special is available for a limited time only. If you’ve been thinking about lowering your rate, this is a strong window to take action.

Ready to see how low your payment can fly?

Contact TruNorthern today or stop by a branch to talk with a lending specialist.

Disclosures

Used auto refinance from another financial institution only. Subject to credit approval. Rates based on creditworthiness. 2% discount applies to the approved rate you qualify for based on your paper grade. Terms and conditions apply. Offer ends 03/31/26. All funds federally insured by the NCUA.

People helping people is who we are. In 2025, we were proud to give back more than $50,000 to support local organizations, causes, and community initiatives, and in 2026, we look forward to growing that impact even more.

To help us better serve our communities and thoughtfully manage our giving, all donation requests will now be submitted through our new online form.

Submit a donation request here:
https://form.jotform.com/253285387654065

January CartFull TruCrew Challenge – Terms & Conditions

Contest Period:
January 1, 2026 – January 25, 2026

Prize:
One (1) winner will receive a Cart Full of Groceries, valued up to $500.
Food and grocery items only. No cash substitution.
The winner may choose to shop at IGA (Chateaugay), Martin’s, or Price Chopper (Malone).

Eligibility:
Open to TruNorthern members only, age 18 or older.
No purchase necessary.
Void where prohibited by law.
Employees, Credit Union volunteers, and their immediate family members are not eligible to participate.
Only one entry per person is permitted.

How to Enter:
Eligible members may enter by one of the following methods:

• Text Entry: Text “CARTFULL” to 518-201-1112 and opt in to TruCrew text messaging.
• In-Branch Entry: Visit any TruNorthern branch and complete an official entry form.

Each eligible participant will receive one (1) entry, regardless of entry method.

Winner Selection & Notification:
One winner will be randomly selected from all eligible entries on Monday, January 26, 2026.
The winner will be notified via text or phone.
If the selected winner cannot be contacted or is deemed ineligible, an alternate winner may be selected.

Third-Party Disclaimer:
This contest is not affiliated with, endorsed by, or sponsored by IGA, Martin’s, Price Chopper, VISA, or any other third party.

Message frequency will vary.
Message and data rates may apply.
Reply HELP for help or STOP to cancel at any time.

Inappropriate, abusive, or illegal content is not tolerated and may result in removal from the texting program.

• TruNorthern will never request credit card or bank information via text.
• Your information will not be sold.
• Data may be used for marketing purposes through a third-party messaging platform.
• You may update or delete your information at any time by contacting us or following platform instructions.

Messages will only be sent during regular business hours.

Texting services are powered by Community, which enables secure and group messaging.
All messaging complies with the Telephone Consumer Protection Act (TCPA).
Your explicit consent is required to receive text messages.

By opting in, you confirm that:

• You are a TruNorthern member.
• Your phone number can receive SMS messages.
• You opted in to receive SMS messages in a TCPA-compliant manner.
• You agree to receive recurring automated marketing messages.
• Consent is not a condition of purchase.
• Message and data rates may apply and message frequency may vary.
• You have been provided with “HELP for help” and “STOP to cancel” instructions.

You may not use this service to share or promote:

• Harassment, threats, hate speech, or violence
• Sexual or obscene content
• Illegal products or activities
• Misinformation, election interference, or dangerous health claims
• Spam, scams, impersonation, or unauthorized sharing of private or copyrighted material

Violations may result in your texting number being blocked and loss of texting privileges.

Community is not liable for the content of messages sent or received through this platform.
All applicable state and federal laws apply.

Questions?
Message us on Facebook or email marketing@trunortherncu.org.

Good luck, and happy shopping! 

Important Update: Card Management System Upgrade – Action May Be Required Starting May 5

We’re upgrading our card management system on May 5, bringing you new features like enhanced spend tracking, better card controls, and an improved mobile experience — all designed to give you more clarity, more control, and greater peace of mind.

As part of this upgrade, debit cards with expiration dates prior to and including November 2025 will require a PIN update to continue working for PIN-based transactions. If your card is affected, you will need to call 800-992-3808 starting May 5^th to reset your PIN.

You can still use your card for PIN-less transactions at point-of-sale (POS) systems without interruption.

Affected cardholders can begin calling to update their PIN on May 5.

Please watch for further updates, and thank you for your attention to this important change.

When uploading a signed check through our mobile app, please remember to properly endorse the check and also include either:

·         Writing “for mobile deposit only” on the check

·         Checking the mobile deposit box

Without properly endorsing the check, our team is unable to process the check, resulting in a declined deposit. Mobile deposits cannot exceed $2,500.00. 

Program #1: Busy Bee Accounts (Ages 0-12) – “Hive in Five” & “Ten for Ten”

Terms and Conditions:
Eligibility: The Busy Bee rewards program is open to primary account holders of a TruNorthern FCU Busy Bee Account, ages 0-12.
Earning Stamps: The primary account holder must be physically present and make a deposit into their Busy Bee Account at a TruNorthern FCU branch to receive a stamp on their Rewards Card (“Card”).
Prizes:

• After five (5) stamps, the primary account holder may choose a prize from “The Hive.”
• After ten (10) stamps, TruNorthern FCU will deposit $10 directly into the Busy Bee Account.

Deposit Requirements: Only in-person deposits at a TruNorthern FCU branch qualify for earning stamps. Electronic transfers, direct deposits, and mobile deposits do not qualify.
Non-Transferable: Rewards, including stamps and prizes, are non-transferable and may only be redeemed by the primary account holder.
Program Changes: TruNorthern FCU reserves the right to modify, suspend, or terminate the Busy Bee rewards program at any time without prior notice.
Lost Cards: TruNorthern FCU is not responsible for lost or damaged Rewards Cards. Stamps cannot be replaced if lost.
Participation: By participating in this program, the account holder and their parent/guardian acknowledge and agree to these terms and conditions. For any questions or additional details, please visit your nearest TruNorthern FCU branch or contact us directly.

Program #2: Hive Accounts (Ages 13-17) – “The Hive Challenge”

Terms and Conditions:
Eligibility: The Hive Challenge is open to primary account holders of a TruNorthern FCU Hive Account, ages 13-17.
Qualification Requirements:

• To earn the $10 reward, the account holder must:
• Deposit a minimum of $100 into their Hive Account upon account opening.
• Complete four (4) transactions within the same 30-day period.

Redemption: The account holder must visit a TruNorthern FCU branch in person to redeem the $10 reward.
One-Time Reward: The $10 reward is a one-time incentive and cannot be earned multiple times.
Non-Transferable: The reward is non-transferable and may only be deposited into the Hive Account of the qualifying account holder.
Program Changes: TruNorthern FCU reserves the right to modify, suspend, or terminate the Hive Challenge program at any time without prior notice.
Account Standing: The account must be in good standing at the time of reward redemption. Overdrawn or inactive accounts may be disqualified.
Participation: By participating in this program, the account holder and their parent/guardian acknowledge and agree to these terms and conditions. For any questions or additional details, please visit your nearest TruNorthern FCU branch or contact us directly.