TruStone Financial Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, TruStone Financial Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 13-month promotional CD ($2,500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.50% to 4.25% APY.
Tracking began .
TruStone Financial Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months and 7-, 13- and 20-month specials; the 12-month MoneyWise certificate for members under 18 opens with $25. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Certificate | $500 | 1.50%Free rate alert | −2.76% | Top 72% of tracked 3-month CDs · Verified October 23, 2026 |
| 6 months | 6 Month Certificate | $500 | 4.00%Free rate alert | −0.34% | Top 20% of tracked 6-month CDs · Verified October 23, 2026 |
| 7 months | 7 Month Special Certificate Promotional | $2,500 | 4.25%Free rate alert | −0.11% | Verified October 23, 2026 |
| 12 months | MoneyWise 12-Month Certificate Special | $25 | 4.25%Free rate alert | −0.21% | Top 12% of tracked 12-month CDs · Verified October 23, 2026 |
| 12 months | 12 Month Certificate | $500 | 4.25%Free rate alert | −0.21% | Top 12% of tracked 12-month CDs · Verified October 23, 2026 |
| 13 months | 13 Month Special Certificate Promotional | $2,500 | 4.50%Free rate alert | +0.02% | Verified October 23, 2026 |
| 20 months | 20 Month Special Certificate Promotional | $2,500 | 4.50%Free rate alert | −0.12% | Verified October 23, 2026 |
| 24 months | 24 Month Certificate | $500 | 4.00%Free rate alert | −0.70% | Top 25% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | 36 Month Certificate | $500 | 4.00%Free rate alert | −0.78% | Top 20% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | 48 Month Certificate | $500 | 4.00%Free rate alert | −0.81% | Top 16% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | 60 Month Certificate | $500 | 4.00%Free rate alert | −0.84% | Top 21% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (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 4.50% APY (13 months). The standard rate for a similar term is 4.25% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $25 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What is the early withdrawal penalty at TruStone Financial Credit Union?
The penalty will equal 90 days’ dividends on your account if the original term is one year or less.
The penalty will equal 365 days’ dividends on your account if the original term is greater than one year.
Quoted word for word from the rate page we read on October 23, 2026. Penalties can differ by product, and some are taken from principal when too little interest has been earned; confirm in the account disclosure before opening.
What are TruStone Financial Credit Union's best CD rates by term?
TruStone Financial Credit Union's best rate is 4.50% APY on 13 months, verified October 23, 2026.
- 3 mo1.50%
- 6 mo4.00%
- 7 mo4.25%
- 12 mo4.25%
- 13 mo4.50%
- 20 mo4.50%
- 24 mo4.00%
- 36 mo4.00%
- 48 mo4.00%
- 60 mo4.00%
How much interest could a TruStone Financial 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.
$487.87 interest · $10,487.87 at maturity on $10,000.00.
4.50% APY · 13 months · 13 Month Special Certificate · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $18.591.50% APY · 3 Month Certificate · Standard | $37.191.50% APY · 3 Month Certificate · Standard | $92.971.50% APY · 3 Month Certificate · Standard | $185.941.50% APY · 3 Month Certificate · Standard |
| 6 months | $99.294.00% APY · 6 Month Certificate · Standard | $198.594.00% APY · 6 Month Certificate · Standard | $496.474.00% APY · 6 Month Certificate · Standard | $992.934.00% APY · 6 Month Certificate · Standard |
| 7 months | $122.934.25% APY · 7 Month Special Certificate · Promotional | $245.864.25% APY · 7 Month Special Certificate · Promotional | $614.654.25% APY · 7 Month Special Certificate · Promotional | $1,229.314.25% APY · 7 Month Special Certificate · Promotional |
| 12 months | $212.504.25% APY · 12 Month Certificate · Standard | $425.004.25% APY · 12 Month Certificate · Standard | $1,062.504.25% APY · 12 Month Certificate · Standard | $2,125.004.25% APY · 12 Month Certificate · Standard |
| 13 months | $243.944.50% APY · 13 Month Special Certificate · Promotional | $487.874.50% APY · 13 Month Special Certificate · Promotional | $1,219.694.50% APY · 13 Month Special Certificate · Promotional | $2,439.374.50% APY · 13 Month Special Certificate · Promotional |
| 20 months | $380.384.50% APY · 20 Month Special Certificate · Promotional | $760.764.50% APY · 20 Month Special Certificate · Promotional | $1,901.914.50% APY · 20 Month Special Certificate · Promotional | $3,803.814.50% APY · 20 Month Special Certificate · Promotional |
| 24 months | $408.004.00% APY · 24 Month Certificate · Standard | $816.004.00% APY · 24 Month Certificate · Standard | $2,040.004.00% APY · 24 Month Certificate · Standard | $4,080.004.00% APY · 24 Month Certificate · Standard |
| 36 months | $624.324.00% APY · 36 Month Certificate · Standard | $1,248.644.00% APY · 36 Month Certificate · Standard | $3,121.604.00% APY · 36 Month Certificate · Standard | $6,243.204.00% APY · 36 Month Certificate · Standard |
| 48 months | $849.294.00% APY · 48 Month Certificate · Standard | $1,698.594.00% APY · 48 Month Certificate · Standard | $4,246.464.00% APY · 48 Month Certificate · Standard | $8,492.934.00% APY · 48 Month Certificate · Standard |
| 60 months | $1,083.264.00% APY · 60 Month Certificate · Standard | $2,166.534.00% APY · 60 Month Certificate · Standard | $5,416.324.00% APY · 60 Month Certificate · Standard | $10,832.654.00% APY · 60 Month Certificate · Standard |
How TruStone Financial 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 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 106 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| TruStone Financial Credit Union (this institution)13 Month Special Certificate · Promotional | 13 months | $2,500 | Membership required · branches in MN, WI | 4.50% | October 23, 2026 |
| Genisys Credit UnionCertificate Special · Promotional | 13 months | $500 | Membership required · branches in MI, MN | 4.60% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Available nationwide | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Membership required · branches in NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking TruStone Financial Credit Union on October 23, 2026.
How strong are TruStone Financial Credit Union's finances?
Ratios for Trustone Financial Credit Union (NCUA 68722) from its NCUA call report for the quarter ended June 30, 2026, next to the median of the credit unions we track. They describe the institution, not your deposit: share certificates are insured by the NCUA up to $250,000 per member, per ownership category, whatever these figures are.
| Measure | TruStone Financial Credit Union | Median, 219 tracked credit unions | What it means |
|---|---|---|---|
| Net worth ratio | 10.99% | 10.85% | Capital as a share of total assets. Above the 7% level regulators call well capitalized. |
| Delinquent loans (60+ days) | 0.78% | 0.70% | Loans two or more months past due, as a share of all loans. |
| Return on assets | 1.01% | 0.79% | Net income for the year so far, annualized, as a share of assets. |
Bank and credit union ratios use different definitions, so compare an institution with its own type. Source: NCUA call report data. Figures are as reported for the quarter and can change; they are not a rating.
About TruStone Financial Credit Union
- Legal name
- Trustone Financial Credit Union
- Regulator ID
- NCUA 68722
- Headquarters
- Plymouth, MN
- Available in
- MN, WI
- Total assets
- $6.1 billion
- Also known as
- Website
- www.trustonefinancial.org
Source: rates read from https://trustonefinancial.org/rates/rates-checking-savings. See the page text we read.
Frequently asked questions
What is the highest CD rate at TruStone Financial Credit Union?
Among the rates we track, 4.50% APY on a 13-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a TruStone Financial Credit Union CD?
The lowest minimum we found is $25; jumbo and higher balance tiers start at up to $2,500.
How does TruStone Financial Credit Union's best CD rate compare with Treasury yields?
4.50% APY is +0.02% versus the 13-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 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 TruStone Financial Credit Union CDs insured?
TruStone Financial Credit Union is a federally insured credit union (NCUA 68722). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
How well capitalized is TruStone Financial Credit Union?
TruStone Financial Credit Union's net worth ratio was 10.99% at the end of June 30, 2026, above the 7% level regulators call well capitalized; the median of the credit unions we track is 10.85%. Insured deposits are covered up to $250,000 regardless.
What is the early withdrawal penalty for a TruStone Financial Credit Union CD?
TruStone Financial Credit Union's rate page states: “The penalty will equal 90 days’ dividends on your account if the original term is one year or less.” “The penalty will equal 365 days’ dividends on your account if the original term is greater than one year.” Check the account disclosure for the product you open.
What is a share certificate at TruStone Financial 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 TruStone Financial Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from TruStone Financial Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with TruStone Financial Credit Union before opening an account. This page is not financial advice.