# Truliant Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/truliant-federal-credit-union
Institution: Truliant Federal Credit Union (NCUA 7840)
Aliases: Truliant, Truliant FCU
Status: live
Last verified: 2026-10-22T10:08:56.000Z (October 22, 2026)
Official source: https://www.truliantfcu.org/rates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Term | standard | 3 months | $100,000 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 3 Month Term | standard | 3 months | $25,000 | 2.45% | Not ZIP-priced | −1.84% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 3 Month Term | standard | 3 months | $5,000 | 2.40% | Not ZIP-priced | −1.90% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 3 Month Term | standard | 3 months | $250 | 2.34% | Not ZIP-priced | −1.96% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 6 Month Term | standard | 6 months | $100,000 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 6 Month Term | standard | 6 months | $25,000 | 2.95% | Not ZIP-priced | −1.45% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 6 Month Term | standard | 6 months | $5,000 | 2.90% | Not ZIP-priced | −1.50% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 6 Month Term | standard | 6 months | $250 | 2.84% | Not ZIP-priced | −1.56% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| Limited-Time 12 Month Term (new external funds required) | promotional | 12 months | $5,000 | 5.00% | Not ZIP-priced | +0.43% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 12 Month Term | standard | 12 months | $100,000 | 3.15% | Not ZIP-priced | −1.42% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 12 Month Term | standard | 12 months | $25,000 | 3.10% | Not ZIP-priced | −1.47% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 12 Month Term | standard | 12 months | $5,000 | 3.05% | Not ZIP-priced | −1.52% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 12 Month Term | standard | 12 months | $250 | 2.99% | Not ZIP-priced | −1.58% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 14 Month Term (one-time early withdrawal) | standard | 14 months | $100,000 | 2.76% | Not ZIP-priced | −1.86% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 14 Month Term (one-time early withdrawal) | standard | 14 months | $25,000 | 2.65% | Not ZIP-priced | −1.97% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 14 Month Term (one-time early withdrawal) | standard | 14 months | $5,000 | 2.55% | Not ZIP-priced | −2.07% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 14 Month Term (one-time early withdrawal) | standard | 14 months | $250 | 2.45% | Not ZIP-priced | −2.17% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 18 Month Term | standard | 18 months | $100,000 | 3.20% | Not ZIP-priced | −1.52% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 18 Month Term | standard | 18 months | $25,000 | 3.15% | Not ZIP-priced | −1.57% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 18 Month Term | standard | 18 months | $5,000 | 3.10% | Not ZIP-priced | −1.62% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 18 Month Term | standard | 18 months | $250 | 3.04% | Not ZIP-priced | −1.68% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month Term | standard | 24 months | $100,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month Term | standard | 24 months | $25,000 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month Term | standard | 24 months | $5,000 | 3.15% | Not ZIP-priced | −1.72% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month Term | standard | 24 months | $250 | 3.09% | Not ZIP-priced | −1.78% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month FLEX (with 1x rate increase option) | standard | 24 months | $100,000 | 3.08% | Not ZIP-priced | −1.79% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month FLEX (with 1x rate increase option) | standard | 24 months | $25,000 | 3.03% | Not ZIP-priced | −1.84% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month FLEX (with 1x rate increase option) | standard | 24 months | $5,000 | 2.98% | Not ZIP-priced | −1.89% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 24 Month FLEX (with 1x rate increase option) | standard | 24 months | $250 | 2.92% | Not ZIP-priced | −1.95% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 36 Month Term | standard | 36 months | $100,000 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 36 Month Term | standard | 36 months | $25,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 36 Month Term | standard | 36 months | $5,000 | 3.19% | Not ZIP-priced | −1.76% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 36 Month Term | standard | 36 months | $250 | 3.14% | Not ZIP-priced | −1.81% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 48 Month Term | standard | 48 months | $100,000 | 3.35% | Not ZIP-priced | −1.63% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 48 Month Term | standard | 48 months | $25,000 | 3.30% | Not ZIP-priced | −1.68% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 48 Month Term | standard | 48 months | $5,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 48 Month Term | standard | 48 months | $250 | 3.19% | Not ZIP-priced | −1.79% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 60 Month Term | standard | 60 months | $100,000 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 60 Month Term | standard | 60 months | $25,000 | 3.35% | Not ZIP-priced | −1.66% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 60 Month Term | standard | 60 months | $5,000 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |
| 60 Month Term | standard | 60 months | $250 | 3.24% | Not ZIP-priced | −1.77% | 2026-10-22T10:08:56.000Z | [Snapshot 227](https://apyledger.com/snapshots/227) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.