# TruNorth Bank CD rates

As of October 22, 2026, TruNorth Bank's highest tracked CD rate is 4.05% APY on a 19-month CD ($1,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.55% to 4.05% APY.

Canonical page: https://apyledger.com/cd-rates/trunorth-bank
Institution: TruNorth Bank (FDIC 90188)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:44.000Z (October 22, 2026)
Official source: https://trunorthbank.com/rates/
Coverage: Published CD rates from 3 to 60 months, with a $1,000 minimum opening deposit; interest compounds monthly. IRAs are not available through online account opening. Early withdrawal penalties may apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $1,000 | 1.55% | Not ZIP-priced | −2.75% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 6 months | $1,000 | 2.55% | Not ZIP-priced | −1.85% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 7 months | $1,000 | 3.85% | Not ZIP-priced | −0.58% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 9 months | $1,000 | 2.60% | Not ZIP-priced | −1.88% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 11 months | $1,000 | 3.90% | Not ZIP-priced | −0.64% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 12 months | $1,000 | 2.65% | Not ZIP-priced | −1.92% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 15 months | $1,000 | 3.95% | Not ZIP-priced | −0.70% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 18 months | $1,000 | 2.65% | Not ZIP-priced | −2.07% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 19 months | $1,000 | 4.05% | Not ZIP-priced | −0.69% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 24 months | $1,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 36 months | $1,000 | 2.45% | Not ZIP-priced | −2.50% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 48 months | $1,000 | 2.40% | Not ZIP-priced | −2.58% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |
| Certificate of Deposit | standard | 60 months | $1,000 | 2.30% | Not ZIP-priced | −2.71% | 2026-10-22T16:25:44.000Z | [Snapshot 412](https://apyledger.com/snapshots/412) |

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.