Truliant Federal Credit Union CD & Share Certificate Rates — October 2026

Also known as Truliant, Truliant FCU.

As of October 22, 2026, Truliant Federal Credit Union's highest CD (share certificate) rate is 5.00% APY on a 12-month promotional CD ($5,000 minimum). That is 2.8 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.34% to 3.40% APY.

Last verified October 22, 2026 from www.truliantfcu.org · NCUA-insured credit union · Winston-Salem, NC

Tracking began October 22, 2026.

Best APY5.00%12 months, $5,000 min

vs. Treasury+0.43%same-term Treasury 4.57%

vs. national average2.8×FDIC national average 1.76%

After inflation1.26%CPI 3.7% year over year

$10,000 earns$500over 12 months, before tax

Truliant Federal Credit Union CD & share certificate rates

Truliant Federal Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	3 Month Term	$100,000	2.50%Verified October 22, 2026	−1.79%
3 months	3 Month Term	$25,000	2.45%Verified October 22, 2026	−1.84%
3 months	3 Month Term	$5,000	2.40%Verified October 22, 2026	−1.90%
3 months	3 Month Term	$250	2.34%Verified October 22, 2026	−1.96%
6 months	6 Month Term	$100,000	3.00%Verified October 22, 2026	−1.40%
6 months	6 Month Term	$25,000	2.95%Verified October 22, 2026	−1.45%
6 months	6 Month Term	$5,000	2.90%Verified October 22, 2026	−1.50%
6 months	6 Month Term	$250	2.84%Verified October 22, 2026	−1.56%
12 months	Limited-Time 12 Month Term (new external funds required) Promotional	$5,000	5.00%Verified October 22, 2026	+0.43%
12 months	12 Month Term	$100,000	3.15%Verified October 22, 2026	−1.42%
12 months	12 Month Term	$25,000	3.10%Verified October 22, 2026	−1.47%
12 months	12 Month Term	$5,000	3.05%Verified October 22, 2026	−1.52%
12 months	12 Month Term	$250	2.99%Verified October 22, 2026	−1.58%
14 months	14 Month Term (one-time early withdrawal)	$100,000	2.76%Verified October 22, 2026	−1.86%
14 months	14 Month Term (one-time early withdrawal)	$25,000	2.65%Verified October 22, 2026	−1.97%
14 months	14 Month Term (one-time early withdrawal)	$5,000	2.55%Verified October 22, 2026	−2.07%
14 months	14 Month Term (one-time early withdrawal)	$250	2.45%Verified October 22, 2026	−2.17%
18 months	18 Month Term	$100,000	3.20%Verified October 22, 2026	−1.52%
18 months	18 Month Term	$25,000	3.15%Verified October 22, 2026	−1.57%
18 months	18 Month Term	$5,000	3.10%Verified October 22, 2026	−1.62%
18 months	18 Month Term	$250	3.04%Verified October 22, 2026	−1.68%
24 months	24 Month Term	$100,000	3.25%Verified October 22, 2026	−1.62%
24 months	24 Month Term	$25,000	3.20%Verified October 22, 2026	−1.67%
24 months	24 Month Term	$5,000	3.15%Verified October 22, 2026	−1.72%
24 months	24 Month Term	$250	3.09%Verified October 22, 2026	−1.78%
24 months	24 Month FLEX (with 1x rate increase option)	$100,000	3.08%Verified October 22, 2026	−1.79%
24 months	24 Month FLEX (with 1x rate increase option)	$25,000	3.03%Verified October 22, 2026	−1.84%
24 months	24 Month FLEX (with 1x rate increase option)	$5,000	2.98%Verified October 22, 2026	−1.89%
24 months	24 Month FLEX (with 1x rate increase option)	$250	2.92%Verified October 22, 2026	−1.95%
36 months	36 Month Term	$100,000	3.30%Verified October 22, 2026	−1.65%
36 months	36 Month Term	$25,000	3.25%Verified October 22, 2026	−1.70%
36 months	36 Month Term	$5,000	3.19%Verified October 22, 2026	−1.76%
36 months	36 Month Term	$250	3.14%Verified October 22, 2026	−1.81%
48 months	48 Month Term	$100,000	3.35%Verified October 22, 2026	−1.63%
48 months	48 Month Term	$25,000	3.30%Verified October 22, 2026	−1.68%
48 months	48 Month Term	$5,000	3.25%Verified October 22, 2026	−1.73%
48 months	48 Month Term	$250	3.19%Verified October 22, 2026	−1.79%
60 months	60 Month Term	$100,000	3.40%Verified October 22, 2026	−1.61%
60 months	60 Month Term	$25,000	3.35%Verified October 22, 2026	−1.66%
60 months	60 Month Term	$5,000	3.30%Verified October 22, 2026	−1.71%
60 months	60 Month Term	$250	3.24%Verified October 22, 2026	−1.77%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 5.00% APY (12 months). The standard rate for a similar term is 3.15% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $185 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Truliant Federal Credit Union's best CD rates by term?

Truliant Federal Credit Union's best rate is 5.00% APY on 12 months, verified October 22, 2026.

3 mo2.50%
6 mo3.00%
12 mo5.00%
14 mo2.76%
18 mo3.20%
24 mo3.25%
36 mo3.30%
48 mo3.35%
60 mo3.40%

Calculate earnings at 5.00% for 12 months

How much interest could a Truliant Federal Credit Union CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$29.652.40% APY · 3 Month Term · Standard	$59.302.40% APY · 3 Month Term · Standard	$151.322.45% APY · 3 Month Term · Standard	$302.642.45% APY · 3 Month Term · Standard
6 months	$72.182.90% APY · 6 Month Term · Standard	$144.362.90% APY · 6 Month Term · Standard	$367.082.95% APY · 6 Month Term · Standard	$734.162.95% APY · 6 Month Term · Standard
12 months	$250.005.00% APY · Limited-Time 12 Month Term (new external funds required) · Promotional	$500.005.00% APY · Limited-Time 12 Month Term (new external funds required) · Promotional	$1,250.005.00% APY · Limited-Time 12 Month Term (new external funds required) · Promotional	$2,500.005.00% APY · Limited-Time 12 Month Term (new external funds required) · Promotional
18 months	$234.513.10% APY · 18 Month Term · Standard	$469.023.10% APY · 18 Month Term · Standard	$1,191.623.15% APY · 18 Month Term · Standard	$2,383.233.15% APY · 18 Month Term · Standard
24 months	$319.963.15% APY · 24 Month Term · Standard	$639.923.15% APY · 24 Month Term · Standard	$1,625.603.20% APY · 24 Month Term · Standard	$3,251.203.20% APY · 24 Month Term · Standard
60 months	$881.283.30% APY · 60 Month Term · Standard	$1,762.553.30% APY · 60 Month Term · Standard	$4,477.623.35% APY · 60 Month Term · Standard	$8,955.243.35% APY · 60 Month Term · Standard

How Truliant Federal Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 64 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Truliant Federal Credit Union CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Truliant Federal Credit Union (this institution) (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional	12 months	$5,000	Coverage: NC, SC, VA	5.00%	October 22, 2026
Popular DirectCertificate of Deposit · Standard	12 months	$10,000	Nationwide; check eligibility	4.60%	October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional	12 months	Not stated	Nationwide; check eligibility	4.55%	October 22, 2026
Barclays12 Month CD · Standard	12 months	Not stated	Nationwide; check eligibility	4.50%	October 22, 2026
Treasury (APY-equivalent)	12 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.57%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Truliant Federal Credit Union on October 22, 2026.

About Truliant Federal Credit Union

Legal name: Truliant Federal Credit Union
Regulator ID: NCUA 7840
Headquarters: Winston-Salem, NC
Available in: NC, SC, VA
Total assets: $5.6 billion
Also known as: Truliant, Truliant FCU
Website: www.truliantfcu.org

Source: rates read from https://www.truliantfcu.org/rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Truliant Federal Credit Union?

5.00% APY on a 12-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Truliant Federal Credit Union CD?

The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $100,000.

How does Truliant Federal Credit Union's best CD rate compare with Treasury yields?

5.00% APY is +0.43% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 5.00% a good CD rate?

It is 2.8 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Truliant Federal Credit Union CDs insured?

Truliant Federal Credit Union is a federally insured credit union (NCUA 7840). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Truliant Federal Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Truliant Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Truliant Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Truliant Federal Credit Union before opening an account. This page is not financial advice.