# TruStone Financial Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/trustone-financial-credit-union
Institution: Trustone Financial Credit Union (NCUA 68722)
Aliases: 
Status: live
Last verified: 2026-10-23T11:29:51.000Z (October 23, 2026)
Official source: https://trustonefinancial.org/rates/rates-checking-savings
Coverage: 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.
Treasury comparison date: 2026-10-22. 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 Certificate | standard | 3 months | $500 | 1.50% | Not ZIP-priced | −2.76% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 6 Month Certificate | standard | 6 months | $500 | 4.00% | Not ZIP-priced | −0.34% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 7 Month Special Certificate | promotional | 7 months | $2,500 | 4.25% | Not ZIP-priced | −0.11% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| MoneyWise 12-Month Certificate | special | 12 months | $25 | 4.25% | Not ZIP-priced | −0.21% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 12 Month Certificate | standard | 12 months | $500 | 4.25% | Not ZIP-priced | −0.21% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 13 Month Special Certificate | promotional | 13 months | $2,500 | 4.50% | Not ZIP-priced | +0.02% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 20 Month Special Certificate | promotional | 20 months | $2,500 | 4.50% | Not ZIP-priced | −0.12% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 24 Month Certificate | standard | 24 months | $500 | 4.00% | Not ZIP-priced | −0.70% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 36 Month Certificate | standard | 36 months | $500 | 4.00% | Not ZIP-priced | −0.78% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 48 Month Certificate | standard | 48 months | $500 | 4.00% | Not ZIP-priced | −0.81% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |
| 60 Month Certificate | standard | 60 months | $500 | 4.00% | Not ZIP-priced | −0.84% | 2026-10-23T11:29:51.000Z | [Snapshot 994](https://apyledger.com/snapshots/994) |

Early withdrawal penalty, quoted from https://apyledger.com/snapshots/994 (read 2026-10-23T11:29:51.000Z):

> 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.

Financial ratios (NCUA call report, quarter ended 2026-06-30; median of tracked credit unions in parentheses): Net worth ratio 10.99% (10.85%); Delinquent loans (60+ days) 0.78% (0.70%); Return on assets 1.01% (0.79%). These describe the institution; insured deposits are covered up to $250,000 regardless.

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.