Credit union · NCUA insured
TruStone Financial CD Rates
Top CarrotTruStone Financial’s best CD rate is 4.25% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How TruStone Financial’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where TruStone Financial has the most branches. $10,000, best rate first.
This credit union’s best
TruStone Financial
4.25%APY
- Term
- 7 months
- Minimum
- $2,500
- Earns on $10,000
- $246
Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
TruStone Financial CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.25%
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 TruStone Financial 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.
Certificate
Up to 4.25%APY · 10 terms
TruStone Financial membership required. Standard opening minimum deposit is $500 unless otherwise noted. Dividends calculated by daily balance method and compounded/credited quarterly and at maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 4.00% | $198 |
| 7 monthsMinimum balance to open is $2,500; at least 50% of total deposit must be new money not on deposit with TruStone Financial. Automatically renews as a 6-month certificate | 4.25% | $246 |
| 12 months | 4.00% | $400 |
| 13 monthsMinimum balance to open is $2,500; at least 50% of total deposit must be new money not on deposit with TruStone Financial. Automatically renews as a 12-month certificate | 4.25% | $461 |
| 20 monthsMinimum balance to open is $2,500; at least 50% of total deposit must be new money not on deposit with TruStone Financial. Automatically renews as a 12-month certificate | 4.25% | $718 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- trustonefinancial.org/rates/rates-checking-savings · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 7 terms
TruStone Financial membership required. Traditional and Roth IRAs available. IRA certificates are not available on terms less than 12 months. See plan disclosure for details on penalty exceptions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 13 monthsMinimum balance to open is $2,500; at least 50% of total deposit must be new money not on deposit with TruStone Financial. Automatically renews as a 12-month certificate | 4.25% | $461 |
| 20 monthsMinimum balance to open is $2,500; at least 50% of total deposit must be new money not on deposit with TruStone Financial. Automatically renews as a 12-month certificate | 4.25% | $718 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- trustonefinancial.org/rates/rates-checking-savings · captured Oct 16, 2026
MoneyWise Certificate
4.00%APY · 1 term
Available for members under age 18. Additional deposits may be made throughout the term. Converts to a regular 12-month certificate on the maturity date immediately following the 18th birthday of the primary member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be under age 18. Additional deposits permitted throughout the term | 4.00% | $400 |
Sources (1)
- trustonefinancial.org/rates/rates-checking-savings · captured Oct 16, 2026
Who can join TruStone Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in designated Minnesota counties or reside in the Community of Atwater are eligible for membership.
- Individuals who live, work, worship, volunteer, or attend school in eligible Wisconsin counties (or reside/work in Milwaukee County) qualify for membership.
Employers and groups
- Employees, retirees, or members of designated employer and community partner organizations are eligible for membership.
Military, government and schools
- Affiliation with specified educational communities, schools, school districts, or associations grants membership eligibility.
Membership information collected October 4, 2026.