Credit union · NCUA insured
TruChoice Federal Credit Union CD Rates
Top CarrotTruChoice Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How TruChoice Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, ME, where TruChoice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruChoice Federal Credit Union
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $400
Share Certificates
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
TruChoice Federal Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.85%
- QualifiedQualified4.00%
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 TruChoice Federal 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.
Share Certificates
Up to 4.00%APY · 3 terms
Must become a member of TruChoice with a $25 deposit. Fixed rates. Monthly compounding and crediting. Additional deposits are not allowed. Dividend withdrawal allowed. Automatic renewal with 10-day grace period. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 4.00% | $400 |
| 24 months | 3.85% | $785 |
Sources (1)
- trufcu.com/access/tools/rates · captured Oct 3, 2026
Save Up Share Certificate
Up to 3.50%APY · 2 terms
Must become a member of TruChoice with a $25 deposit. Fixed rates. Monthly compounding and crediting. Additional deposits ARE allowed. Dividend withdrawal allowed. Automatic renewal with 10-day grace period. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 12 months | 3.50% | $350 |
Sources (1)
- trufcu.com/access/tools/rates · captured Oct 3, 2026
Who can join TruChoice Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.