Florida › Duval County › Tru Fi
Tru Fi
Tru Fi is a credit union: it a member-owned, not-for-profit cooperative insured by the NCUA; you must be eligible for membership to borrow. It has 2 licensed Florida offices: Baldwin, Macclenny.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Baldwin, Macclenny |
| Counties | Baker, Duval |
| Website | truficu.org |
| Phone | (904) 259-6702 |
| Address shown on its site | 9206 County Rd 125 Glen St. Mary, FL 32040 |
Loan types Tru Fi lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Florida firms offering it.
- Adjustable rate mortgages (ARM)
- FHA loans
- First time home buyer loans and programs
- HELOCs
- Interest only mortgages
- Refinance
- Small business loans
- USDA loans
Credit union facts from the NCUA
| Total assets | $134,090,076 |
| Members | 7,882 |
| Residential mortgage loans outstanding | $32,497,942 |
| Residential mortgages granted this year | $6,648,653 |
| Florida branches | 3 |
| Year opened | 1967 |
| Headquarters | Macclenny, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 68691. Residential figures are 1 to 4 family and other consumer real estate loans.
No 2025 HMDA filing matched to this firm yet. Lenders below the federal reporting threshold do not file.
Tru Fi offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Macclenny | 602 S 6th St 32063 | (904) 259-6702 | Principal office |
| Baldwin | 100 Lima St S 32234 | (904) 259-6702 | Branch |
| Callahan | 450027 Old Dixie Hwy 32011 | (904) 259-6702 | Branch |
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
Baker County at a glance
| Mortgage applications filed in 2025 | 1,054 |
| Loans originated | 514 |
| Denial rate | 18% |
| FHA share of originations | 29% |
| VA share | 16% |
| Investor and second home share | 4% |
| Dollar volume originated | $129,000,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $580,750 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Baker County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.