Credit union · NCUA insured
Truity Credit Union CD Rates
A $1.3B credit union, the 382nd largest of 4,329, headquartered in Bartlesville, OK, with 75,525 members and 11 branches in 3 states.
How Truity Credit Union’s CD rates compare
Compared with banks and credit unions near Lawrence, KS, where Truity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Truity Credit Union
4.00%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $165
IRA Share Certificates
Top rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
2nd-highest rate
TriCentury Bank
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,462
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Share Certificates
Up to 4.00%APY · 12 terms
Traditional & Roth IRA share certificates available. Dividends compounded and credited quarterly. 19 month and 91 Day Certificates are not available for IRA. Early withdrawal penalty does not apply to distributions after age 70-1/2 for required minimum distributions. Minimum opening balance is $500 for standard share certificates; jumbo certificates require a minimum maintenance balance of $50,000.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownShare Certificate 182 Days for IRA | 1.25% | — | 1.25% | $0 |
| 5 monthsShare Certificate 5 Month for IRA | 4.00% | — | 4.00% | $165 |
| 6 monthsShare Certificate 6 Mo. Jumbo for IRA. Minimum balance required to maintain is $50,000. Early withdrawal penalty forfeits 7 days of dividends | — | 3.50% | —3.50% from $50k | — |
| 9 monthsShare Certificate 9 Mo. Jumbo for IRA. Minimum balance required to maintain is $50,000. Early withdrawal penalty forfeits 7 days of dividends | — | 3.50% | —3.50% from $50k | — |
| 11 monthsShare Certificate 11 Month for IRA. Renews to traditional 12-month certificate upon maturity | 3.75% | — | 3.75% | $343 |
| 12 monthsShare Certificate 12 Month for IRA | 1.85% | — | 1.85% | $185 |
| 18 monthsShare Certificate 18 Month for IRA | 1.95% | — | 1.95% | $294 |
| 24 monthsShare Certificate 24 Month for IRA | 2.05% | — | 2.05% | $414 |
| 25 monthsShare Certificate 25 Month for IRA. Renews to traditional 24-month certificate upon maturity | 2.75% | — | 2.75% | $581 |
| 36 monthsShare Certificate 36 Month for IRA | 2.45% | — | 2.45% | $753 |
| 48 monthsShare Certificate 48 Month for IRA | 2.55% | — | 2.55% | $1,060 |
| 60 monthsShare Certificate 60 Month for IRA | 3.00% | — | 3.00% | $1,593 |
Share Certificates
Up to 4.00%APY · 13 terms
Dividends compounded quarterly. Early withdrawal penalty forfeits 90 days of dividends for terms of 24 months or less, and 182 days of dividends for terms greater than 24 months. Jumbo certificates forfeit 7 days of dividends. Standard share certificate minimum balance to maintain is $500 ($50,000 for jumbo certificates).
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownShare Certificate 182 Days | 1.25% | — | 1.25% | $0 |
| UnknownShare Certificate 91 Day Jumbo. 91 day certificate not available for IRA. Minimum balance required to maintain is $50,000. Early withdrawal penalty forfeits 7 days of dividends | — | 1.00% | —1.00% from $50k | — |
| UnknownShare Certificate 91 Days. 91 day certificate not available for IRA | 1.15% | — | 1.15% | $0 |
| 5 monthsShare Certificate 5 Month | 4.00% | — | 4.00% | $165 |
| 6 monthsShare Certificate 6 Mo. Jumbo. Minimum balance required to maintain is $50,000. Early withdrawal penalty forfeits 7 days of dividends | — | 3.50% | —3.50% from $50k | — |
| 9 monthsShare Certificate 9 Mo. Jumbo. Minimum balance required to maintain is $50,000. Early withdrawal penalty forfeits 7 days of dividends | — | 3.50% | —3.50% from $50k | — |
| 11 monthsShare Certificate 11 Month. Renews to traditional 12-month certificate upon maturity | 3.75% | — | 3.75% | $343 |
| 12 monthsShare Certificate 12 Month | 1.85% | — | 1.85% | $185 |
| 18 monthsShare Certificate 18 Month | 1.95% | — | 1.95% | $294 |
| 19 monthsShare Certificate 19 Month. Not available for IRA. Renews to traditional 18-month certificate upon maturity | 3.75% | — | 3.75% | $600 |
| 24 monthsShare Certificate 24 Month | 2.05% | — | 2.05% | $414 |
| 25 monthsShare Certificate 25 Month. Renews to traditional 24-month certificate upon maturity | 2.75% | — | 2.75% | $581 |
| 36 monthsShare Certificate 36 Month | 2.45% | — | 2.45% | $753 |
| 48 monthsShare Certificate 48 Month | 2.55% | — | 2.55% | $1,060 |
| 60 monthsShare Certificate 60 Month | 3.00% | — | 3.00% | $1,593 |
Sources (2)
- truitycu.org/resource/blob/754…cates-agreement-data.pdf
- truitycu.org/en/save/highyieldsavings/certificates
All captured Oct 5, 2026
Who can join Truity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and immediate family members of employees of over 250 Community Partner organizations (Select Employee Groups) are eligible to join.
Family and household
- Immediate family members of current Truity Credit Union members (spouses, children, parents, siblings, grandchildren, grandparents, stepchildren, stepparents, adoptive parents) and persons living in the same residence maintaining a single economic unit are eligible to join.
Membership information collected October 4, 2026.