Credit union · NCUA insured
TruGrocer Federal Credit Union CD Rates
TruGrocer Federal Credit Union’s best CD rate is 3.66% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How TruGrocer Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Boise City, ID, where TruGrocer Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruGrocer Federal Credit Union
3.56%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $176
Money Market Share Certificate
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,522
TruGrocer Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.09%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.56%
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 TruGrocer 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.
Super Market Share Certificate
Up to 3.66%APY · 5 terms
Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $50,000 with terms up to 36 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.66% | — |
| 9 months | 2.99% | — |
| 12 months | 3.51% | — |
| 24 months | 3.14% | — |
| 36 months | 3.20% | — |
Sources (2)
All captured Sep 23, 2026
Money Market Share Certificate
Up to 3.56%APY · 7 terms
Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $10,000 with terms up to 60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 9 months | 2.89% | $216 |
| 12 months | 3.40% | $340 |
| 24 months | 3.09% | $628 |
| 36 months | 3.14% | $972 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.35% | $1,791 |
Sources (2)
All captured Sep 23, 2026
Small Saver Share Certificate
Up to 3.45%APY · 7 terms
Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $500 with terms up to 60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
| 9 months | 2.78% | $208 |
| 12 months | 3.30% | $330 |
| 24 months | 3.04% | $617 |
| 36 months | 3.09% | $956 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.30% | $1,763 |
Sources (3)
- trugrocer.com
- trugrocer.com/Rates/Certificate-Rates.aspx
- trugrocer.com/Accounts/Share-Certificate.aspx
All captured Sep 23, 2026
Who can join TruGrocer Federal Credit Union
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