Credit union · NCUA insured
Truliant Federal Credit Union CD Rates
Truliant Federal Credit Union’s best CD rate is 5.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Truliant Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Truliant Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Regular Certificates
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
3rd-highest rate
Piedmont Advantage Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $500
Truliant Federal Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo2.90%
- 9–15 months9–15 mo5.00%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.30%
- QualifiedQualified5.00%
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 Truliant 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.
Regular Certificates
Up to 5.00%APY · 9 terms
| Term | APY · $250 and up | APY · $5,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsNot available for IRA certificates | 2.34% | 2.40% | 2.45% | 2.50% | 2.34%2.40% from $5k2.45% from $25k2.50% from $100k | $58 |
| 6 months | 2.84% | 2.90% | 2.95% | 3.00% | 2.84%2.90% from $5k2.95% from $25k3.00% from $100k | $141 |
| 12 months | 2.99% | 3.05% | 3.10% | 3.15% | 2.99%3.05% from $5k3.10% from $25k3.15% from $100k | $299 |
| 12 monthsLimited-time offer. Penalty for early withdrawal. Special requires a minimum deposit of $5,000 from funds not currently on deposit at Truliant. Funds will roll over into an 12-month regular certificate upon maturity. Not available for business certificates | — | 5.00% | — | — | 5.00% | $500 |
| 14 monthsAllows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days) | 2.45% | 2.55% | 2.65% | 2.76% | 2.45%2.55% from $5k2.65% from $25k2.76% from $100k | $286 |
| 18 months | 3.04% | 3.10% | 3.15% | 3.20% | 3.04%3.10% from $5k3.15% from $25k3.20% from $100k | $459 |
| 24 months | 3.09% | 3.15% | 3.20% | 3.25% | 3.09%3.15% from $5k3.20% from $25k3.25% from $100k | $628 |
| 36 months | 3.14% | 3.19% | 3.25% | 3.30% | 3.14%3.19% from $5k3.25% from $25k3.30% from $100k | $972 |
| 48 months | 3.19% | 3.25% | 3.30% | 3.35% | 3.19%3.25% from $5k3.30% from $25k3.35% from $100k | $1,338 |
| 60 months | 3.24% | 3.30% | 3.35% | 3.40% | 3.24%3.30% from $5k3.35% from $25k3.40% from $100k | $1,728 |
Flex Certificates
Up to 2.98%APY · 1 term
| Term | APY · $250 and up | APY · $5,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 24 monthsYou may increase your dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate | 2.92% | 2.98% | 3.03% | 3.08% | 2.92%2.98% from $5k3.03% from $25k3.08% from $100k | $593 |
Sources (3)
- truliantfcu.org/bank/share-certificates
- truliantfcu.org/rates
- truliantfcu.org/rates/regular-and-ira-certificates
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 5.00%APY · 8 terms
| Term | APY · $250 and up | APY · $5,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 2.84% | 2.90% | 2.95% | 3.00% | 2.84%2.90% from $5k2.95% from $25k3.00% from $100k | $141 |
| 12 months | 2.99% | 3.05% | 3.10% | 3.15% | 2.99%3.05% from $5k3.10% from $25k3.15% from $100k | $299 |
| 12 monthsLimited-time offer. Penalty for early withdrawal. Special requires a minimum deposit of $5,000 from funds not currently on deposit at Truliant. Funds will roll over into an 12-month regular certificate upon maturity. Not available for business certificates | — | 5.00% | — | — | 5.00% | $500 |
| 14 monthsAllows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days) | 2.45% | 2.55% | 2.65% | 2.76% | 2.45%2.55% from $5k2.65% from $25k2.76% from $100k | $286 |
| 18 months | 3.04% | 3.10% | 3.15% | 3.20% | 3.04%3.10% from $5k3.15% from $25k3.20% from $100k | $459 |
| 24 months | 3.09% | 3.15% | 3.20% | 3.25% | 3.09%3.15% from $5k3.20% from $25k3.25% from $100k | $628 |
| 36 months | 3.14% | 3.19% | 3.25% | 3.30% | 3.14%3.19% from $5k3.25% from $25k3.30% from $100k | $972 |
| 48 months | 3.19% | 3.25% | 3.30% | 3.35% | 3.19%3.25% from $5k3.30% from $25k3.35% from $100k | $1,338 |
| 60 months | 3.24% | 3.30% | 3.35% | 3.40% | 3.24%3.30% from $5k3.35% from $25k3.40% from $100k | $1,728 |
Who can join Truliant Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Residents of any U.S. state can join for free through membership in the American Consumer Council.
Where you live or work
- Eligible if you live, work, worship, or attend school in a county near a Truliant branch.
Employers and groups
- Employees of partner companies automatically qualify for membership.
Family and household
- Eligible if an immediate family or household member is a current Truliant member.
Cost to join
- Opening and maintaining a Membership Savings account requires a $5.00 minimum deposit/balance as a condition of membership.
Membership information collected October 4, 2026.