Credit union · NCUA insured
TruEnergy Federal Credit Union CD Rates
Top CarrotTruEnergy Federal Credit Union’s best CD rate is 4.50% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How TruEnergy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where TruEnergy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruEnergy Federal Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $566
Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
TruEnergy Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.50%
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 TruEnergy 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 Certificate
Up to 4.50%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 3.25% | $325 |
| 15 monthsExisting funds | 4.00% | $502 |
| 15 monthsNew Money Only (funds not currently on deposit with TruEnergy FCU) | 4.50% | $566 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- truenergyfcu.org/deposit-rates · captured Sep 19, 2026
Jumbo Share Certificate
Up to 3.60%APY · 6 terms
Minimum deposit $100,000.00
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.10% | — |
| 12 months | 3.35% | — |
| 24 months | 3.60% | — |
| 36 months | 3.60% | — |
| 48 months | 3.60% | — |
| 60 months | 3.60% | — |
Sources (1)
- truenergyfcu.org/deposit-rates · captured Sep 19, 2026
Special-purpose accounts
Youth Share Certificate
5.00%APY · 1 term
Available for members age 25 and under at account opening. Limit one Youth Builder CD per primary member/SSN. Promotional 5.00% APY applies to balances up to $5,000; funds over $5,000 and subsequent dividends deposit into regular savings. No jumbo or IRA rate available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for members age 25 and under; additional deposits allowed during term | 5.00% | — |
Sources (1)
- truenergyfcu.org/youthcd · captured Sep 19, 2026
Jumbo IRA Share Certificate
Up to 3.70%APY · 6 terms
Minimum deposit $100,000.00
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.20% | — |
| 12 months | 3.45% | — |
| 24 months | 3.70% | — |
| 36 months | 3.70% | — |
| 48 months | 3.70% | — |
| 60 months | 3.70% | — |
Sources (1)
- truenergyfcu.org/deposit-rates · captured Sep 19, 2026
IRA Share Certificate
Up to 3.60%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.10% | $104 |
| 12 months | 3.35% | $335 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.60% | $1,934 |
Sources (1)
- truenergyfcu.org/deposit-rates · captured Sep 19, 2026
Who can join TruEnergy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to approved companies or organizations within the credit union's charter.
- Membership is available to all full-time, part-time, retired, and intern or volunteer employees of Washington Gas Light Company and its subsidiaries.
Family and household
- Persons living in the same residence as an eligible member are eligible for membership.
- Immediate family members—including spouses, children (step/adopted), siblings (step/adopted), parents, grandparents, and grandchildren—are eligible for membership.
Cost to join
- Joining requires opening a Share Savings Account with a $5 deposit.
Membership information collected October 4, 2026.