Truliant Federal Credit Union High-Yield Savings & Money Market Rates

How Truliant Federal Credit Union’s savings 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
3.40%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$340
High Yield Rewards Savings
Top rate
American Pride Bank
5.00%APY
Requires
Monthly account activity
Minimum
$50
Earns on $10,000 a year
$500
American Pride Bank rates
2nd-highest rate
Skyla Credit Union
4.01%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$401
Skyla Credit Union rates

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Savings score

Higher than 75% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.15%
$10,000 balance$10,0001.00%
$100,000 balance$100,0003.80%
QualifiedQualified3.40%

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.

How the score works →

Where Truliant Federal Credit Union ranks

By savings score, in each area where it has branches

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Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Accelerate Money Market Special

3.80%APYPromotional$25,000 to open

Minimum opening deposit of $25,000 in new funds not currently on deposit at Truliant. Rate is guaranteed through November 30, 2026. Daily balance must remain at $25,000 or greater to receive the promotional APY; if it falls below $25,000, a 1.000% APY applies. Rolls over to Accelerate Money Market when promo expires. $10 monthly fee if average monthly balance falls below $2,500. Not available on Business or IRA accounts.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25,000 and upPromotional rate guaranteed through November 30, 2026 with minimum daily balance of $25,000. $10 monthly fee if average monthly balance falls below $2,500.$25,000 and up	3.80%	—	Promotional rate guaranteed through November 30, 2026 with minimum daily balance of $25,000. $10 monthly fee if average monthly balance falls below $2,500.

Sources (2)

All captured Oct 15, 2026

Accelerate Money Market

1.00%APY$2,500 to open

Minimum opening deposit of $2,500. Tiered rate structure. A $10 monthly fee applies if average monthly balance falls below $2,500. Not available on Business or IRA accounts.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$10 monthly fee if average monthly balance falls below $2,500.	1.00%	$100	$10 monthly fee if average monthly balance falls below $2,500.
$2,500 and up$10 monthly fee if average monthly balance falls below $2,500.	1.00%	$100	$10 monthly fee if average monthly balance falls below $2,500.
$25,000 and up$10 monthly fee if average monthly balance falls below $2,500.	2.60%	—	$10 monthly fee if average monthly balance falls below $2,500.
$50,000 and up$10 monthly fee if average monthly balance falls below $2,500.	2.80%	—	$10 monthly fee if average monthly balance falls below $2,500.
$75,000 and up$10 monthly fee if average monthly balance falls below $2,500.	3.00%	—	$10 monthly fee if average monthly balance falls below $2,500.
$100,000 and up$10 monthly fee if average monthly balance falls below $2,500.	3.20%	—	$10 monthly fee if average monthly balance falls below $2,500.
$250,000 and up$10 monthly fee if average monthly balance falls below $2,500.	3.45%	—	$10 monthly fee if average monthly balance falls below $2,500.

Sources (2)

All captured Oct 4, 2026

High Yield Rewards Savings

Up to 3.40%APYRequirements apply$1,000 to open

Requires maintaining a $1,000 average monthly balance to avoid a $10 monthly service fee. Minimum $1,000 to open. One account per membership.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Premium Rate: To receive the premium interest rate an active checking account that meets monthly minimums of $500 in deposits and 10 withdrawals is required. The premium rate will be applied at the end of each month on balances up to $25,000. Automatically earned for the first two statement cycles. $10 monthly fee waived with $1,000 average monthly balance.	3.40%	$340	Premium Rate: To receive the premium interest rate an active checking account that meets monthly minimums of $500 in deposits and 10 withdrawals is required. The premium rate will be applied at the end of each month on balances up to $25,000. Automatically earned for the first two statement cycles. $10 monthly fee waived with $1,000 average monthly balance.
Any balanceBase Rate: Rate applied if checking account activity does not qualify. $10 monthly fee waived with $1,000 average monthly balance.	0.10%	$10	Base Rate: Rate applied if checking account activity does not qualify. $10 monthly fee waived with $1,000 average monthly balance.
$25,000 and upNon-Premium Rate: Rate applied for balances above $25,000 when checking qualifications are met. $10 monthly fee waived with $1,000 average monthly balance.	1.00%	—	Non-Premium Rate: Rate applied for balances above $25,000 when checking qualifications are met. $10 monthly fee waived with $1,000 average monthly balance.

Sources (4)

All captured Oct 4, 2026

Amplify Money Market

3.25%APY

Extended deposit insurance up to $20 million through participating credit unions in ModernFi Network at no cost. If balance falls below $250,000, the account is subject to Accelerate Money Market account rates.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250,000 and upExtended deposit insurance account. If balance falls below $250,000, the account will be subject to Accelerate Money Market account rates. No cost for extended insurance.$250,000 and up	3.25%	—	Extended deposit insurance account. If balance falls below $250,000, the account will be subject to Accelerate Money Market account rates. No cost for extended insurance.

Sources (3)

All captured Oct 15, 2026

Rainy Day Savings

0.15%APY

Requires checking account, access to Truliant app or online banking, and overdraft protection. Daily change from checking transfers into savings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceEarns dividends equal to money market first tier. Daily change transferred from checking. No monthly fee.Any balance	0.15%	$15	Earns dividends equal to money market first tier. Daily change transferred from checking. No monthly fee.

Sources (3)

All captured Oct 4, 2026

Save Your Way

0.15%APY

Automated daily transfer to save. No minimum balance requirement. Dividends posted monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.15%	$15

Sources (2)

All captured Oct 4, 2026

Membership Savings

0.10%APY$5 to open

Minimum balance requirement of $5. No monthly service fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$5 and up	0.10%	$10

Sources (2)

All captured Oct 4, 2026

Regular Savings

0.10%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (1)

truliantfcu.org/rates · captured Oct 4, 2026

Special-purpose accounts

IRA Savings

1.25%APYIRA

No administrative fees / maintenance fees; minimum balance requirement waived. Dividends posted monthly. Supports Traditional, Roth, SEP, and Coverdell IRAs.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	1.25%	$125

Sources (3)

All captured Oct 4, 2026

Christmas Club Savings

0.10%APYClub

Service charges and minimum balance requirements are waived. Funds are automatically transferred to a Truliant savings or checking account on November 1st.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceService charges and minimum balance requirements waived. Funds transfer automatically on November 1st.Any balance	0.10%	$10	Service charges and minimum balance requirements waived. Funds transfer automatically on November 1st.

Sources (3)

All captured Oct 4, 2026

Vacation Club Savings

0.10%APYClub

Specialty savings account for vacation goals with custom savings options.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (2)

All captured Oct 4, 2026

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.

Check membership requirements ↗Branches and institution details

← Truliant Federal Credit Union overview

How Truliant Federal Credit Union’s savings rates compare

Truliant Federal Credit Union savings score

Current savings rates

Accelerate Money Market Special

Accelerate Money Market

High Yield Rewards Savings

Amplify Money Market

Rainy Day Savings

Save Your Way

Membership Savings

Regular Savings

Special-purpose accounts

IRA Savings

Christmas Club Savings

Vacation Club Savings

Who can join Truliant Federal Credit Union

Open to anyone

Where you live or work

Employers and groups

Family and household

Cost to join