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Financial ServicesWealth Management✓ Verified
Macclenny, Baker County
Last verified: Thursday, October 22, 2026
TRU-FI Credit Union (Formerly Baker County Federal Credit Union) — Macclenny Headquarters & Senior Retirement Depository
About This Organization

Founded in a Macclenny living room on August 12, 1967 as Baker County Federal Credit Union (later operating as Country Federal Credit Union before rebranding to TRU-FI Credit Union, Florida Sunbiz Doc# Q23000000052), this hometown member-owned financial cooperative is headquartered at 602 South 6th Street in Macclenny ((904) 259-6702). Federally insured by the National Credit Union Administration (NCUA Share Insurance #68691) and regulated by the Florida Office of Financial Regulation (OFR), TRU-FI Credit Union has served multiple generations of Baker County retirees, school board employees, county workers, and rural families for nearly 60 years. The Macclenny headquarters provides high-yield Traditional and Roth IRA Share Certificates, NCUA-insured Share Certificates (CDs), Payable-on-Death (POD) and joint survivorship estate-planning accounts, Home Equity loans for senior home repairs, free notary services, and hands-on protection against elder wire and check fraud.

Official Verification Sources: TRU-FI Credit Union Official Website (602 S 6th St, Macclenny); NCUA Credit Union Locator & Share Insurance Verification (#68691); Florida Sunbiz — TRU-FI Credit Union (#Q23000000052)

Verified State & Regulatory Credentials
NCUA Federally Insured / Florida OFR State-Chartered Credit Union: NCUA Insurance #68691 | Florida Sunbiz Doc# Q23000000052Status: Active Baker County Headquartered Credit Union (Founded 1967 in Macclenny)

Issuer: National Credit Union Administration (NCUA) & Florida Office of Financial Regulation (OFR)

Notes: Verified TRU-FI Credit Union (founded Aug 12, 1967 in Macclenny as Baker County Federal Credit Union, Sunbiz #Q23000000052, NCUA #68691) at 602 S 6th St, Macclenny, FL 32063 ((904) 259-6702).

Services Offered
NCUA-Insured Traditional & Roth IRA Share Certificates & Retirement Savings (NCUA #68691)
Fixed-Rate Share Certificates (CDs) & Senior Money Market Accounts for Safe Retirement Income
Payable-on-Death (POD) Beneficiary Titling & Joint Survivorship Estate Accounts
Senior Home Equity Loans, Auto Financing & Signature Loans for Emergency Home Repairs
Direct Deposit Automation for Social Security, VA Compensation & FRS State Pensions
In-Branch Senior Fraud Monitoring, Free Notary Public & Safe Deposit Box Services
Frequently Asked Questions

Factual details and direct answers about TRU-FI Credit Union (Formerly Baker County Federal Credit Union) — Macclenny Headquarters & Senior Retirement Depository's services, licensing, and credentials.

Is TRU-FI Credit Union on South 6th Street the original Baker County Federal Credit Union?

Yes. TRU-FI Credit Union at 602 S 6th St in Macclenny ((904) 259-6702) was founded in Macclenny on August 12, 1967 as Baker County Federal Credit Union, later operated as Country Federal Credit Union, and remains Baker County's only locally headquartered credit union, with deposits federally insured up to $250,000 by the NCUA (#68691).

Can Baker County seniors open Traditional or Roth IRA certificates at TRU-FI Credit Union?

Yes. Residents living, working, worshipping, or attending school in Baker County can join TRU-FI Credit Union and open NCUA-insured Traditional and Roth IRA share certificates, regular CDs, and Payable-on-Death (POD) accounts that transfer directly to named beneficiaries without probate.

Contact Information
Address
602 S 6th St, Macclenny, FL 32063
Hours
Mon-Thu 8:30am-5:00pm, Fri 8:30am-6:00pm
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Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.