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Truliant Federal Credit Union

Enhancing the quality of our member's lives since 1952.

Truliant Credit Union Headquarters, Winston-Salem,


Truliant's Mission
Our mission is to enhance the quality of life of our members and become their preferred financial institution.

About Truliant
Truliant Federal Credit Union was chartered in 1952 to serve the employees of Western Electric and was known as Radio Shops Credit Union. It began serving about 2,000 members and offered credit union services in Winston-Salem, Greensboro and Burlington. Today, Truliant serves over 280,000 members with more than 30 locations across the Carolinas and Virginia, and over $3.5 billion in assets.

Truliant offers honest, personalized advice to make members’ financial futures brighter. We exist to help members achieve their dreams — and we often do it better than the larger, national banks. Plus, we offer the latest online and mobile banking technology that lets members manage their money and busy family schedules.

Our History


Truliant Federal Credit Union was chartered as Radio Shops Credit Union in 1952 to serve the employees of Western Electric in the Piedmont region of North Carolina. Shortly thereafter, the name changed to North Carolina Works Credit Union. The credit union experienced steady growth and reached 14,000 members and over $27 million in assets by 1970. NC Works FCU expanded service to Virginia in 1973. By 1980, membership exceeded 18,000 with assets of $71 million. In 1983 the name changed again, to AT&T Family Federal Credit Union, accompanied by expanded service offerings, like mortgage products, Visa® credit cards and checking accounts. Throughout the decade, the credit union began to augment its growth by adding Select Employee Groups from other companies to share in the benefits of membership – it’s first was Pharr Yarns in McAdenville, N.C. New branches were added in Virginia and North Carolina and the credit union began growing its presence in Charlotte over the next few years.

By the early 1990s, AT&T Family Federal Credit Union had 110,000 member-owners and $220 million in assets. Several new branches opened to serve this growing membership base, and the credit union pioneered its first website. It also began offering debit cards and other online banking services. Its first South Carolina branch opened in Greenville in 1993.

In 1993, AT&T Family Credit Union joined the Shared Service Center organization. This new partnership with other credit unions across the country provided access to credit union accounts and services at thousands of partner credit union branches. With this, AT&T Family Credit Union members had access to their credit union accounts at shared service center branches in all 50 states.

AT&T Family Federal played a key role in a monumental court case that ultimately resulted in the 1998 Credit Union Membership Access Act (HR 1151) being signed into law. The new law enabled credit union access to additional occupational groups and community groups, as well as people who lived, worked, worshiped or attended school in the community. The credit union then changed its name to Truliant Federal Credit Union to reflect this change.

By 2000, with membership around 163,000, Truliant continued to expand access to services, opening more branches. The number of Select Employee Groups surpassed 300. In 2004, Truliant merged with Victory Masonic Credit Union, the oldest historically African-American credit union in North Carolina, and later opened a branch for Victory members in a developing area of downtown Winston-Salem, N.C. To this day, our downtown Winston-Salem branch carries on the legacy of Victory Masonic by providing access to consumer friendly financial services to the local community.

In 2005, Truliant surpassed $1 billion in assets and opened its Truliant Way headquarters, where our administrative offices are located today. As many other financial institutions faced tough economic times during the Great Recession, Truliant flourished. Thoughtful decisions made by Truliant to buck lucrative industry trends helped Truliant avoid the worst of the housing collapse. We experienced a surge in membership growth and demand for loans.

To further assist small business owners, Truliant began implementing new Small Business Administration programs in 2010. No-Cost Credit Reviews were launched to help members affected by the recession understand their credit scores, to help them recognize how their credit scores impact their finances, and to give them a clear view of their complete financial picture. To this day, Truliant assists thousands of member-owners each year by performing the No-Cost Credit Review so they can reach their goals faster, save money on loans and improve their financial futures. The push forward continued for Truliant. In April 2011, we launched our first mobile banking app for the iPhone.

More recently, Truliant executed an intensive expansion of new branch locations in the Piedmont and Charlotte regions of North Carolina, to improve access for meeting the banking needs of hundreds of thousands of consumers. Since 2014, we have added 14 new branches, expanded digital capabilities and improved web and mobile accessibility and delivery to even more members.

Today, we serve more than 280,000 member-owners with assets exceeding $3.5 billion. We have more than 30 Member Financial Centers that extend our valuable services to our members and more than 1,100 organizations located throughout North Carolina, South Carolina and Virginia. A lot has changed throughout the years at Truliant; what hasn’t changed is our dedication to our members and our mission.

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Community Involvement

Improving lives goes well beyond providing our members with trusted guidance, products, and services to meet their needs. Truliant makes investments in local communities to strengthen and support areas where our members live and work.

History of the Credit Union Membership Act, H.R. 1151


“The struggle brought about by bankers’ attempts to limit the choice of consumers and employers has strengthened your member-owned credit union,” wrote Marc Schaefer, then President and CEO of Truliant Federal Credit Union in 1998, urging passage of H.R. 1151 in the U.S. Senate. The struggle would take Truliant through courtrooms, Congress, the Supreme Court, the Capitol and to the White House.

Truliant, then known as AT&T Family Federal Credit Union, was at the forefront, first as a defendant, and later leading a grassroots political fight to ensure consumers would continue to have their choice of financial institutions.

It started in 1990 when the American Bankers Association (ABA), a powerful banking industry-lobbying group, and several North Carolina banks filed a lawsuit contesting a decision by the National Credit Union Administration (NCUA), the federal regulator of credit unions. The NCUA had approved a membership expansion for AT&T Family Federal Credit Union in Asheboro, allowing it to serve small employee groups not related to the telecommunications giant.

The case was heard before a Washington, D.C. District Court in September 1994. It ruled that the NCUA's policy of permitting multiple groups in one field of membership was a correct interpretation of the Federal Credit Union Act.

However, the decision was appealed by the bankers and overturned in 1996. This ruling meant federal credit unions would no longer be able to add new groups to their fields of membership.

The AT&T Family Federal case was consolidated with others from the ABA and argued in front of the Supreme Court in 1998. Meanwhile, in an attempt to protect access of credit unions, the Credit Union Membership Access Act, H.R. 1151, was introduced to Congress in March 1997.

On February 25, 1998, the Supreme Court issued a ruling that favored the banking industry’s interpretation of the Federal Credit Union Act: that federal credit unions may not consist of more than one occupational group having a single common bond. This ruling could have resulted in millions federal credit union members being forced to leave their credit unions.

H.R. 1151, however, was already working its way through Congress to help prevent this.

In April 1998, the U.S. House of Representatives passed H.R. 1151, but the bill still needed to pass the U.S. Senate. With momentum behind them, AT&T Family Federal helped lead and organize a nationwide grassroots effort to pass the legislation. On July 14, 1998, over six thousand credit union supporters assembled in Washington, D.C. and the Capitol, chanting “1151” to urge the bill’s passage.

The bill passed the U.S. Senate on July 28, 1998 and was signed into law by President Bill Clinton. More than just establishing the right to add employee groups, the law codified the eligibility of family and household members, and the NCUA to define community fields of membership.

The grassroots effort to pass H.R. 1151 was a concerted effort by the entire credit union movement. Even while banks outspent credit unions by margin of 14 to 1 during the fight to pass H.R. 1151, the fight ultimately strengthened credit unions as a political force to be reckoned with in Washington, D.C.

Deduct-A-Buck Political Action Program

Deduct-A-Buck is a program used by Truliant to raise money for political action committees that make careful investments (political contributions) with credit union member donations. These donations help support, elect and re-elect pro-credit union candidates to Congress. Truliant members are asked to consider a voluntary contribution of $1 or more per quarter from their savings or checking accounts that will go to the Truliant Federal Credit Union Political Action Committee. Click HERE to learn more and to set up contributions.
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Careers at Truliant

Are you looking for an organization that strives to provide all employees with an enjoyable place to work where they feel valued, empowered, and rewarded for all that they do? Then look no more! A career with Truliant is personally and professionally rewarding.​

The Obelisk


Built in 2005 at our Winston-Salem, N.C. headquarters, Truliant’s obelisk is a re-creation of a historic structure mimicking the sun’s rays. Much like the rays of sun in our logo, the obelisk is a reminder of our mission in practice: to shine on through our commitment to improving lives. Standing fifty-two feet tall, the obelisk is an important symbol for Truliant. Our team, members, and guests see it daily when entering our headquarters, and it is visible well beyond our campus. This timeless representation stands as a testament for all to see of a culture built on doing what’s right for our members.

Truliant has a long and proud history of diversity, integrity and respect. Click HERE for a message from Truliant President and CEO Todd Hall.