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 Truity Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Truity Federal Credit Union's CD 5 Month rates are at 4.00%, CD 11 Month rates are at 3.75%, CD 19 Month rates are at 3.75%, CD 60 Month rates are at 3.00%, CD 25 Month rates are at 2.75%. Truity Federal Credit Union's savings rates are at 3.00%. Truity Federal Credit Union's money market rates are at 1.10%. Truity Federal Credit Union's checking rates are as high as 5.00%. Truity Federal Credit Union's Conventional 15 Year Fixed Rate rates are at 6.75%, Conventional 10 Year Fixed Rate rates are at 6.75%, Conventional 20 Year Fixed Rate rates are at 7.12%, Conventional 30 Year Fixed Rate rates are at 7.38%. Truity Federal Credit Union's Personal Loan Rates are as low as 10.25%. Truity Federal Credit Union's Credit Card Rates are at 12.49%. Truity Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Truity Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.19%. Rates last updated and verified on 10/28/2026. Truity Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Truity Federal Credit Union? Share your experience about Truity Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Truity Federal Credit Union. Truity Federal Credit Union
Truity Federal Credit Union 501 S Johnstone Ave
https://www.truitycu.org Bartlesville, OK 74003-6622  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Truity Federal Credit Union CD Rates
Truity Federal Credit Union Savings Rates
Truity Federal Credit Union Business Savings Rates
Truity Federal Credit Union Money Market Rates
Truity Federal Credit Union Business Money Market Rates
Truity Federal Credit Union Checking Rates
Truity Federal Credit Union Business Checking Rates
Truity Federal Credit Union Mortgage Rates
Truity Federal Credit Union Auto Loan Rates
Truity Federal Credit Union RV, Boat and Powersport Loan Rates
Truity Federal Credit Union Credit Card Rates
Truity Federal Credit Union Personal Loan Rates
Truity Federal Credit Union Other Rates
Financial Health HistoryTruity Federal Credit Union’s Texas Ratio rose from 4.27% in Q3 2023 to 6.19% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Truity Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Truity Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Truity Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Truity Federal Credit Union
Website
https://www.truitycu.org
Address
501 S Johnstone Ave,
Bartlesville, OK 74003-6622
Phone
918-336-7662
Fax
President
Scott Hensley
CEO
Aaron Beldner
Full-Time Employees
223
Part-Time Employees
5
Branch Locations
13
ATM Locations
12
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.19%
Return on Assets (ROA)
-0.0356%
Return on Equity (ROE)
-0.4067%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
1,317,838,025
Total Amount of Shares and Deposits
1,149,416,540
Total Shares and Deposits < 1 Year
1,127,024,750
Total Shares and Deposits 1 3 Years
19,971,199
Total Shares and Deposits > 3 Years
2,420,590
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
128,459,689
Total Uninsured Shares and Deposits > $250K (F+J)
128,459,689
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,020,956,851
Total Interest Expense (Sum of items 6 8)
13,147,962
Share Certificates
5,950
Number of Accounts for Share Drafts
30,091
IRA KEOGH Accounts
1,965
Number of Accounts for Regular Shares
104,994
All other shares
696
Non Member Deposits
5
Money Market Shares
2,676
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
110,834,971
Total Liabilities
1,203,409,717
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Truity Federal Credit UnionDoes Truity Federal Credit Union offer CDs?Yes. Truity Federal Credit Union current CD rates include its CD 5 Month at 4.00% APY, its CD 11 Month at 3.75% APY and its CD 19 Month at 3.75% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Truity Federal Credit Union NCUA insured?Yes. Truity Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Truity Federal Credit Union?The highest Truity Federal Credit Union CD rate is its CD 19 Mo. HSA at 4.00% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Truity Federal Credit Union offer?Truity Federal Credit Union CD rates are 4.00% APY for a 5 month CD, 3.75% APY for an 11 month CD, 1.85% APY for a 12 month CD, 1.95% APY for an 18 month CD, 3.75% APY for a 19 month CD, 2.05% APY for a 2 year CD, 2.75% APY for a 25 month CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Truity Federal Credit Union for its full lineup. What is the highest savings rate at Truity Federal Credit Union?The highest Truity Federal Credit Union savings rate is its Premier Savings at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Truity Federal Credit Union?The highest Truity Federal Credit Union money market rate is its Advantage Money Market at 1.10% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Truity Federal Credit Union?The highest Truity Federal Credit Union checking rate is its High Yield Checking at 5.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest 30 year fixed mortgage rate at Truity Federal Credit Union?The lowest Truity Federal Credit Union 30 year fixed mortgage rate is its Conventional 30 Year Fixed Rate at 7.375%, verified by MonitorBankRates as of October 28, 2026. Truity Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.125% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.75% for a 10 year mortgage. What is the lowest auto loan rate at Truity Federal Credit Union?The lowest Truity Federal Credit Union auto loan rate is its Auto Loan - Autos 2022-New at 5.74% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Truity Federal Credit Union?The lowest Truity Federal Credit Union personal loan rate is its Advantage Personal Loan at 10.25% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Truity Federal Credit Union?The lowest Truity Federal Credit Union credit card APR is its Platinum Rate Credit Card at 12.49% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Truity Federal Credit Union operate?Truity Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Truity Federal Credit Union?Yes, to access services at Truity Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Truity Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Truity Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Truity Federal Credit Union offer online and mobile banking?Most modern institutions like Truity Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.truitycu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Truity Federal Credit Union rates compare?Truity Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. Truity Federal Credit Union's top rates are its CD 19 Mo. HSA at 4.00% APY, its Premier Savings at 3.00% APY, its Advantage Money Market at 1.10% APY, its High Yield Checking at 5.00% APY, its Conventional 15 Year Fixed Rate at 6.75%, its Advantage Personal Loan at 10.25% APR and its Platinum Rate Credit Card at 12.49% APR, verified by MonitorBankRates on October 28, 2026. Current Truity Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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