Credit union · NCUA insured
Tru-Fi Credit Union CD Rates
Tru-Fi Credit Union’s best CD rate is 3.80% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Tru-Fi Credit Union’s CD rates compare
Compared with banks and credit unions near Jacksonville, FL, where Tru-Fi Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tru-Fi Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $380
Tru Certificates of Deposit
Top rate
RadiFi Credit Union
4.91%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $366
2nd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
Tru-Fi Credit Union CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Tru-Fi Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Tru Certificates of Deposit
Up to 3.80%APY · 7 terms
CD terms 36, 48 & 60 months offer a one-time setup. Automatic renewal or transfer to share at maturity. Dividend rates are compounded and credited monthly. Closing the certificate or withdrawing funds prior to maturity will result in a loss of earnings and/or penalties.
| Term | APY · Up to $5,000 | APY · $5,000 – $25,000 | APY · $25,001 – $50,000 | APY · $50,001 – $75,000 | APY · $75,000 – $100,000 | APY · $100,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 6 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% to $5k3.75% $25k–$50k3.75% $50k–$75k3.75% $75k–$100k3.75% from $100k | $186 |
| 12 months | 3.80% | 3.80% | 3.80% | 3.80% | 3.80% | 3.80% | 3.80%3.80% to $5k3.80% $25k–$50k3.80% $50k–$75k3.80% $75k–$100k3.80% from $100k | $380 |
| 18 months | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50%3.50% to $5k3.50% $25k–$50k3.50% $50k–$75k3.50% $75k–$100k3.50% from $100k | $530 |
| 24 months | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50%3.50% to $5k3.50% $25k–$50k3.50% $50k–$75k3.50% $75k–$100k3.50% from $100k | $712 |
| 36 months | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50%3.50% to $5k3.50% $25k–$50k3.50% $50k–$75k3.50% $75k–$100k3.50% from $100k | $1,087 |
| 48 months | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50%3.50% to $5k3.50% $25k–$50k3.50% $50k–$75k3.50% $75k–$100k3.50% from $100k | $1,475 |
| 60 months | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40%3.40% to $5k3.40% $25k–$50k3.40% $50k–$75k3.40% $75k–$100k3.40% from $100k | $1,820 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Teen 12 month CD Special
4.33%APY · 1 term
Early withdrawal or closure of any certificate may generate penalty fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.33% | — |
Sources (1)
- truficu.org/resources/current-rates · captured Sep 18, 2026
Kid's Club 24 month CD Special
4.25%APY · 1 term
Early withdrawal or closure of any certificate may generate penalty fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 4.25% | $868 |
Sources (1)
- truficu.org/resources/current-rates · captured Sep 18, 2026
Who can join Tru-Fi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school or church in Baker County, Nassau County, or ZIP codes 32234, 32220, or 32221 of Duval County, Florida, are eligible for membership.
Family and household
- Immediate family members (related by blood, marriage, or adoption) of members and individuals permanently living within a primary member's household are eligible to join.
Other ways
- Organizations of people within the field of membership (or their immediate family), including corporations, LLCs, and partnerships, are eligible for membership.
Membership information collected October 5, 2026.