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Truliant Federal Credit Union

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Truliant Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Truliant Federal Credit Union?

Current rates for Truliant Federal Credit Union include: 12-Month CD: 2.99%, 18-Month CD: 3.04%, 24-Month CD: 2.92%, 60-Month CD: 3.24%, Savings: 3.40%, MMA: 3.80%

Q: What CD terms does Truliant Federal Credit Union offer?

Truliant Federal Credit Union CD rates are 5.00% APY for a 12 month CD, 3.04% APY for an 18 month CD, 2.92% APY for a 2 year CD, 3.30% APY for a 3 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Truliant Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Truliant Federal Credit Union's Limited-Time 12 Month Term (new external funds required) rates are at 5.00%, 60 Month Term rates are at 3.40%, 48 Month Term rates are at 3.35%, 36 Month Term rates are at 3.30%, Business 36 Month Term CD rates are at 3.30%. Truliant Federal Credit Union's savings rates are at 3.40%. Truliant Federal Credit Union's money market rates are at 3.80%. Truliant Federal Credit Union's checking rates are as high as 0.10%. Truliant Federal Credit Union's Personal Loan Rates are as low as 8.24%. Truliant Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Truliant Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.43%. Rates last updated and verified on 10/31/2026.

Truliant 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 Truliant Federal Credit Union? Share your experience about Truliant Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Truliant Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.43%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Truliant Federal Credit Union
Corporate Office & Branch Office

3200 Truliant Way
Winston Salem, NC 27103

https://www.truliantfcu.org

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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.

Truliant Federal Credit Union CD Rates

Product	Rate	APY	Term
Limited-Time 12 Month Term (new external funds required)	4.88%	5.00%	12 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
60 Month Term	3.347%	3.40%	60 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
48 Month Term	3.299%	3.35%	48 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
60 Month Term	3.297%	3.35%	60 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
36 Month Term	3.249%	3.30%	36 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
48 Month Term	3.249%	3.30%	48 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
60 Month Term	3.247%	3.30%	60 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month Term	3.202%	3.25%	24 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
36 Month Term	3.199%	3.25%	36 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
48 Month Term	3.199%	3.25%	48 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
60 Month Term	3.197%	3.24%	60 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.24% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
18 Month Term	3.154%	3.20%	18 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month Term	3.152%	3.20%	24 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
36 Month Term	3.149%	3.19%	36 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.19% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
48 Month Term	3.149%	3.19%	48 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.19% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
12 Month Term	3.105%	3.15%	12 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
18 Month Term	3.104%	3.15%	18 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month Term	3.102%	3.15%	24 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
36 Month Term	3.099%	3.14%	36 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.14% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
12 Month Term	3.055%	3.10%	12 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
18 Month Term	3.054%	3.10%	18 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month Term	3.052%	3.09%	24 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.09% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month FLEX (with 1x rate increase option)	3.037%	3.08%	24 Month
Min Balance $100,000 Details Regular & IRA Certificates; 1x rate increase option; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
12 Month Term	3.005%	3.05%	12 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
18 Month Term	3.004%	3.04%	18 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month FLEX (with 1x rate increase option)	2.987%	3.03%	24 Month
Min Balance $25,000 Details Regular & IRA Certificates; 1x rate increase option; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
6 Month Term	2.96%	3.00%	6 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
12 Month Term	2.955%	2.99%	12 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.99% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month FLEX (with 1x rate increase option)	2.937%	2.98%	24 Month
Min Balance $5,000 Details Regular & IRA Certificates; 1x rate increase option; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.98% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
6 Month Term	2.91%	2.95%	6 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
24 Month FLEX (with 1x rate increase option)	2.887%	2.92%	24 Month
Min Balance $250 Details Regular & IRA Certificates; 1x rate increase option; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.92% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
6 Month Term	2.86%	2.90%	6 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
6 Month Term	2.81%	2.84%	6 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.84% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
14 Month Term (one-time early withdrawal)	2.725%	2.76%	14 Month
Min Balance $100,000 Details Regular & IRA Certificates; one-time early withdrawal; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.76% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
14 Month Term (one-time early withdrawal)	2.625%	2.65%	14 Month
Min Balance $25,000 Details Regular & IRA Certificates; one-time early withdrawal; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
14 Month Term (one-time early withdrawal)	2.525%	2.55%	14 Month
Min Balance $5,000 Details Regular & IRA Certificates; one-time early withdrawal; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
3 Month Term	2.472%	2.50%	3 Month
Min Balance $100,000 Details Regular & IRA Certificates; Balance: $100,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
14 Month Term (one-time early withdrawal)	2.425%	2.45%	14 Month
Min Balance $250 Details Regular & IRA Certificates; one-time early withdrawal; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 2.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
3 Month Term	2.422%	2.45%	3 Month
Min Balance $25,000 Details Regular & IRA Certificates; Balance: $25,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
3 Month Term	2.372%	2.40%	3 Month
Min Balance $5,000 Details Regular & IRA Certificates; Balance: $5,000 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
3 Month Term	2.322%	2.34%	3 Month
Min Balance $250 Details Regular & IRA Certificates; Balance: $250 minimum Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.34% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business 36 Month Term Certificate	3.249%	3.30%	36 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 24 Month Term Certificate	3.202%	3.25%	24 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 36 Month Term Certificate	3.199%	3.25%	36 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 24 Month Term Certificate	3.152%	3.20%	24 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 36 Month Term Certificate	3.149%	3.19%	36 Month
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.19% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 12 Month Term Certificate	3.105%	3.15%	12 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 24 Month Term Certificate	3.102%	3.15%	24 Month
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 36 Month Term Certificate	3.099%	3.14%	36 Month
Min Balance $250 Details Balance: $250 - $4,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.14% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 12 Month Term Certificate	3.055%	3.10%	12 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 24 Month Term Certificate	3.052%	3.09%	24 Month
Min Balance $250 Details Balance: $250 - $4,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.09% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 12 Month Term Certificate	3.005%	3.05%	12 Month
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 6 Month Term Certificate	2.96%	3.00%	6 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 12 Month Term Certificate	2.955%	2.99%	12 Month
Min Balance $250 Details Balance: $250 - $4,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.99% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 6 Month Term Certificate	2.91%	2.95%	6 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 6 Month Term Certificate	2.86%	2.90%	6 Month
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 6 Month Term Certificate	2.81%	2.84%	6 Month
Min Balance $250 Details Balance: $250 - $4,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.84% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 3 Month Term Certificate	2.472%	2.50%	3 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 3 Month Term Certificate	2.422%	2.45%	3 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 3 Month Term Certificate	2.372%	2.40%	3 Month
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business 3 Month Term Certificate	2.322%	2.34%	3 Month
Min Balance $250 Details Balance: $250 - $4,999.99 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.34% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Rewards Savings	3.334%	3.40%
Details Premium Rate = 3.400%; Balance: Up to $25,000 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
High Yield Savings Account	-	3.40%
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required; Qualifying balance up to $25,000.00; Requires an active Truliant checking account; Premium rate applied to first two statement cycles automatically; $1,000 average monthly balance avoids service fee Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
IRA Savings	1.24%	1.25%
Min Balance $0 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
High Yield Rewards Savings	0.995%	1.00%
Details Non-Premium Rate = 1.000%; Balance: Above $25,000 Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 3.40% → 1.00% ▼ 2.40 pts · high 3.40% / low 1.00% Oct 20, 20261.00%▼ from 3.40% Oct 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Rainy Day Savings	0.15%	0.15%
Min Balance $0 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Christmas Club Savings	0.10%	0.10%
Min Balance $0 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
High Yield Rewards Savings	0.10%	0.10%
Min Balance $0 Details Base Rate = 0.100%; Balance: $0 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 3.20% → 0.10% ▼ 3.10 pts · high 3.20% / low 0.10% Sep 18, 20260.10%▼ from 3.20% Sep 15, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Membership Savings	0.10%	0.10%
Min Balance $5 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Regular Savings	0.10%	0.10%
Min Balance $0 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Vacation Club Savings	0.10%	0.10%
Min Balance $0 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details $5 minimum opening deposit required Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Money Market Rates

Product	Rate	APY
Accelerate Money Market Special	-	3.80%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 or greater to earn 3.80% APY; 1.000% APY applies if minimum daily balance falls below $25,000; rate is variable and rolls over to Accelerate Money Market Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 3.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Accelerate Money Market Special minimum opening deposit	3.73%	3.80%
Min Deposit $25,000 Min Balance $25,000 Details $25,000; Minimum Daily Balance Required: $25,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Accelerate Money Market minimum opening deposit	3.392%	3.45%
Min Deposit $2,500 Min Balance $250,000 Details $2,500; Balance: $250,000 and over Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Amplify Money Market (Extended Deposit Insurance Account)	3.199%	3.25%
Min Balance $250,000 Details Minimum Daily Balance Required: $250,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Sep 27, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Accelerate Money Market minimum opening deposit	3.151%	3.20%
Min Deposit $2,500 Min Balance $100,000 Details $2,500; Balance: $100,000 (next tier begins at $250,000) Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Accelerate Money Market minimum opening deposit	2.956%	3.00%
Min Deposit $2,500 Min Balance $75,000 Details $2,500; Balance: $75,000 (next tier begins at $100,000) Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Accelerate Money Market minimum opening deposit	2.762%	2.80%
Min Deposit $2,500 Min Balance $50,000 Details $2,500; Balance: $50,000 (next tier begins at $75,000) Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Accelerate Money Market minimum opening deposit	2.567%	2.60%
Min Deposit $2,500 Min Balance $25,000 Details $2,500; Balance: $25,000 (next tier begins at $50,000) Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Accelerate Money Market minimum opening deposit	0.996%	1.00%
Min Deposit $2,500 Min Balance $0 Details $2,500; Balance: $0 (next tier begins at $2,500) Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Amplify Money Market (Extended Deposit Insurance Account)	3.199%	3.25%
Min Balance $250,000 Details Minimum Daily Balance Required: $250,000 Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Sep 27, 20263.25%▲ from 3.00% Sep 24, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business Accelerate Money Market minimum opening deposit required	3.151%	3.20%
Min Deposit $2,500 Min Balance $100,000 Details $2,500; Minimum Daily Balance Required: $100,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business Accelerate Money Market minimum opening deposit required	2.956%	3.00%
Min Deposit $2,500 Min Balance $75,000 Details $2,500; Minimum Daily Balance Required: $75,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business Accelerate Money Market minimum opening deposit required	2.762%	2.80%
Min Deposit $2,500 Min Balance $50,000 Details $2,500; Minimum Daily Balance Required: $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business Accelerate Money Market minimum opening deposit required	2.567%	2.60%
Min Deposit $2,500 Min Balance $25,000 Details $2,500; Minimum Daily Balance Required: $25,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business Accelerate Money Market minimum opening deposit required	0.996%	1.00%
Min Deposit $2,500 Min Balance $0 Details $2,500; Minimum Daily Balance Required: $0 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over; $2,500 minimum opening deposit required Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Business Checking	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0; $2,500 minimum opening deposit required Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Basic Business Checking	0.00%	0.00%
Min Deposit $100 Min Balance $0 Details Minimum Balance: $0; $100 minimum opening deposit required Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan - First Lien (Fixed Rate)	-	-	6.67%
Details Published APR range: 6.67% - 7.42%. Amount: $10,000 - $350,000; APR range as printed Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.67% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Home Equity Line of Credit (Variable Rate)	-	-	7.00%
Details Published APR range: 7.00% - 9.50%. Amount: $10,000 - $350,000; APR range as printed Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Home Equity Loan - Second Lien (Fixed Rate)	-	-	7.82%
Details Published APR range: 7.82% - 9.47%. Amount: $10,000 - $350,000; APR range as printed Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.82% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.54%	36 - 63 Months
Details Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 5.14% → 5.54% ▲ 0.40 pts · high 5.54% / low 5.14% Oct 7, 20265.54%▲ from 5.14% Sep 15, 20265.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
New Auto Loan	-	-	5.94%	64 - 75 Months
Details Published APR range: 5.94% - 17.24%. Model Year: 2025 - Newer Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 5.54% → 5.94% ▲ 0.40 pts · high 5.94% / low 5.54% Oct 7, 20265.94%▲ from 5.54% Sep 15, 20265.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Used Auto Loan	-	-	5.99%	36 - 63 Months
Details Published APR range: 5.99% - 17.24%. Model Year: 2019 - 2024 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 5.64% → 5.99% ▲ 0.35 pts · high 5.99% / low 5.64% Sep 27, 20265.99%▲ from 5.64% Sep 15, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
New Auto Loan	-	-	6.09%	76 - 84 Months
Details Published APR range: 6.09% - 8.49%. Model Year: 2025 - Newer Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 5.74% → 6.09% ▲ 0.35 pts · high 6.09% / low 5.74% Oct 7, 20266.09%▲ from 5.74% Sep 15, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Used Auto Loan	-	-	6.19%	64 - 75 Months
Details Published APR range: 6.19% - 16.99%. Model Year: 2019 - 2024 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 5.79% → 6.19% ▲ 0.40 pts · high 6.19% / low 5.79% Sep 27, 20266.19%▲ from 5.79% Sep 15, 20265.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Used Auto Loan	-	-	6.59%	76 - 84 Months
Details Published APR range: 6.59% - 7.99%. Model Year: 2019 - 2024 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 6.24% → 6.59% ▲ 0.35 pts · high 6.59% / low 6.24% Sep 27, 20266.59%▲ from 6.24% Sep 15, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
New Auto Loan	-	-	7.29%	85 - 96 Months
Details Published APR range: 7.29% - 8.49%. Model Year: 2025 - Newer Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 6.99% → 7.29% ▲ 0.30 pts · high 7.29% / low 6.99% Oct 7, 20267.29%▲ from 6.99% Sep 15, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Used Auto Loan	-	-	8.24%	36 - 63 Months
Details Published APR range: 8.24% - 17.75%. Model Year: 2016 - 2018 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 7.89% → 8.24% ▲ 0.35 pts · high 8.24% / low 7.89% Sep 27, 20268.24%▲ from 7.89% Sep 15, 20267.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Used Auto Loan	-	-	8.69%	64 - 75 Months
Details Published APR range: 8.69% - 9.59%. Model Year: 2016 - 2018 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 8.29% → 8.69% ▲ 0.40 pts · high 8.69% / low 8.29% Sep 27, 20268.69%▲ from 8.29% Sep 15, 20268.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Classic Car Loan - Classic Cars (20+ years old)	-	-	10.49%	36 - 60 Months
Details Published APR range: 10.49% - 18.00%. Classic Car Loan Rates; Vehicle age: 20+ years old Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Classic Car Loan - Classic Cars (20+ years old)	-	-	10.99%	61 - 72 Months
Details Published APR range: 10.99% - 18.00%. Classic Car Loan Rates; Vehicle age: 20+ years old Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Classic Car Loan - Classic Cars (20+ years old)	-	-	11.99%	73 - 84 Months
Details Published APR range: 11.99% - 14.49%. Classic Car Loan Rates; Vehicle age: 20+ years old Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle: New/Used Loan	-	10.49%	36 - 60 Months
Details APR range: 10.49% - 18.00% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 10.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
RV/Boats New/Used Loan	-	10.49%	36 - 60 Months
Details APR range: 10.49% - 18.00% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 10.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Motorcycle: New/Used Loan	-	10.99%	61 - 72 Months
Details APR range: 10.99% - 18.00% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
RV/Boats New/Used Loan	-	10.99%	61 - 72 Months
Details APR range: 10.99% - 18.00% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Motorcycle: New/Used Loan	-	11.99%	73 - 84 Months
Details APR range: 11.99% - 14.49% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 11.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
RV/Boats New/Used Loan	-	11.99%	73 - 84 Months
Details APR range: 11.99% - 14.49% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 11.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Long-Term RV/Boats New/Used Loan	-	12.49%	85 - 144 Months
Details APR range: 12.49% - 14.99% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 12.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Long-Term RV/Boats New/Used Loan	-	12.99%	145 - 180 Months
Details APR range: 12.99% - 15.49% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 12.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt180 Debt Consolidation Loan	8.24%	6 - 84 Months
Details APR range 8.24% - 18.00%; $1,000 - $50,000; Fixed Rate Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 7.49% → 8.24% ▲ 0.75 pts · high 8.24% / low 7.49% Oct 26, 20268.24%▲ from 7.49% Sep 15, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Personal Convenience Loan	8.24%	6 - 84 Months
Details APR range 8.24% - 18.00%; $1,000 - $50,000; Fixed Rate Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 7.49% → 8.24% ▲ 0.75 pts · high 8.24% / low 7.49% Oct 26, 20268.24%▲ from 7.49% Sep 15, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Truliant Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Land or Lot Loan	-	-	8.24%
Details Published APR range: 8.24% - 8.99%. Land Loan; $5,000 - $200,000. 10-acre maximum. Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
MaxBack Business Card	-	-	16.24%
Details Variable rate; Credit limit $1,000 - $50,000; APR range: 16.24% - 17.99% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 15.99% → 16.24% ▲ 0.25 pts · high 16.24% / low 15.99% Sep 27, 202616.24%▲ from 15.99% Sep 15, 202615.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
MaxBack Cash Rewards Card	-	-	17.99%
Details Non-variable rate; Credit limit $5,000 - $30,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 17.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Radiant Card	-	-	11.99%
Details Variable rate; Credit limit $1,000 - $30,000; APR range: 11.99% - 17.99% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74% Sep 27, 202611.99%▲ from 11.74% Sep 15, 202611.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Soar Secured Card	-	-	17.99%
Details Non-variable rate; Credit limit $1,000 - $5,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 17.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Reserve Plus Banking	0.05%	-	0.05%
Min Deposit $500 Min Balance $0 Details Balance: $0 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%
Save Your Way	0.15%	-	0.15%
Min Balance $0 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Truliant Federal Credit Union’s Texas Ratio rose from 5.44% in Q3 2023 to 6.43% 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.6B	6.43%	5.0	A
March 31, 2026	$5.5B	5.80%	5.0	A+
December 31, 2025	$5.4B	6.92%	5.0	A
September 30, 2025	$5.2B	6.68%	5.0	A
June 30, 2025	$5.1B	7.01%	5.0	A
March 31, 2025	$5.2B	6.50%	5.0	A
December 31, 2024	$5.2B	8.21%	5.0	A
September 30, 2024	$5.2B	7.70%	5.0	A
June 30, 2024	$5.3B	7.75%	5.0	A
March 31, 2024	$5.6B	7.95%	5.0	A
December 31, 2023	$5.2B	6.45%	5.0	A
September 30, 2023	$4.7B	5.44%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Truliant 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 Truliant 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 Truliant Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Truliant Federal Credit Union

Website https://www.truliantfcu.org

Address 3200 Truliant Way, Winston Salem, NC 27103

Phone 336-659-1955

Fax 336-659-5360

President Gregory Johnson

CEO William Hall

Full-Time Employees 985

Part-Time Employees 4

Branch Locations 41

ATM Locations 38

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.43%

Return on Assets (ROA)

0.6107%

Return on Equity (ROE)

5.9952%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

5,615,162,397

Total Amount of Shares and Deposits

4,883,889,326

Total Shares and Deposits < 1 Year

4,513,491,666

Total Shares and Deposits 1 3 Years

350,571,691

Total Shares and Deposits > 3 Years

19,825,968

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

439,593,473

Total Uninsured Shares and Deposits > $250K (F+J)

439,593,473

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,444,295,853

Total Interest Expense (Sum of items 6 8)

52,068,776

Share Certificates

34,365

Number of Accounts for Share Drafts

191,840

IRA KEOGH Accounts

9,244

Number of Accounts for Regular Shares

403,539

All other shares

1,020

Non Member Deposits

Money Market Shares

18,941

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)

205,829,137

Total Liabilities

5,103,712,616

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Truliant Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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☆☆☆☆☆

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Frequently Asked Questions About Truliant Federal Credit Union

Does Truliant Federal Credit Union offer CDs?

Yes. Truliant Federal Credit Union current CD rates include its Limited-Time 12 Month Term (new external funds required) CD at 5.00% APY, its 60 Month Term CD at 3.40% APY and its 48 Month Term CD at 3.35% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Truliant Federal Credit Union NCUA insured?

Yes. Truliant 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 Truliant Federal Credit Union?

The highest Truliant Federal Credit Union CD rate is its Limited-Time 12 Month Term (new external funds required) CD at 5.00% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Truliant Federal Credit Union offer?

Truliant Federal Credit Union CD rates are 5.00% APY for a 12 month CD, 3.04% APY for an 18 month CD, 2.92% APY for a 2 year CD, 3.30% APY for a 3 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Truliant Federal Credit Union for its full lineup.

What is the highest savings rate at Truliant Federal Credit Union?

The highest Truliant Federal Credit Union savings rate is its High Yield Rewards Savings at 3.40% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at Truliant Federal Credit Union?

The highest Truliant Federal Credit Union money market rate is its Accelerate Money Market Special at 3.80% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at Truliant Federal Credit Union?

The highest Truliant Federal Credit Union checking rate is its Business Checking at 0.10% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at Truliant Federal Credit Union?

The lowest Truliant Federal Credit Union auto loan rate is its New Auto Loan at 5.54% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at Truliant Federal Credit Union?

The lowest Truliant Federal Credit Union personal loan rate is its Personal Convenience Loan at 8.24% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does Truliant Federal Credit Union operate?

Truliant 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 Truliant Federal Credit Union?

Yes, to access services at Truliant 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, Truliant 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, Truliant Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Truliant Federal Credit Union offer online and mobile banking?

Most modern institutions like Truliant 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.truliantfcu.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 Truliant Federal Credit Union rates compare?

Truliant Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A health rating. Truliant Federal Credit Union's top rates are its Limited-Time 12 Month Term (new external funds required) CD at 5.00% APY, its High Yield Rewards Savings at 3.40% APY, its Accelerate Money Market Special at 3.80% APY, its Business Checking at 0.10% APY and its Debt180 Debt Consolidation Loan at 8.24% APR, verified by MonitorBankRates on October 31, 2026.

Current Truliant Federal Credit Union Rates

12-Month CD2.99%
18-Month CD3.04%
24-Month CD2.92%
60-Month CD3.24%
Savings3.40%
MMA3.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Truliant Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Truliant Federal Credit Union Texas Ratio

Truliant Federal Credit Union Health Trend

Truliant Federal Credit Union CD Rates

Truliant Federal Credit Union Business CD Rates

Truliant Federal Credit Union Savings Rates

Truliant Federal Credit Union Business Savings Rates

Truliant Federal Credit Union Money Market Rates

Truliant Federal Credit Union Business Money Market Rates

Truliant Federal Credit Union Business Checking Rates

Truliant Federal Credit Union Home Equity & HELOC

Truliant Federal Credit Union Auto Loan Rates

Truliant Federal Credit Union RV, Boat and Powersport Loan Rates

Truliant Federal Credit Union Personal Loan Rates

Truliant Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Truliant Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Truliant Federal Credit Union

Does Truliant Federal Credit Union offer CDs?

Are CDs from Truliant Federal Credit Union NCUA insured?

What is the highest CD rate at Truliant Federal Credit Union?

What CD terms does Truliant Federal Credit Union offer?

What is the highest savings rate at Truliant Federal Credit Union?

What is the highest money market rate at Truliant Federal Credit Union?

What is the highest checking rate at Truliant Federal Credit Union?

What is the lowest auto loan rate at Truliant Federal Credit Union?

What is the lowest personal loan rate at Truliant Federal Credit Union?

How many branches does Truliant Federal Credit Union operate?

Is a member application needed to join Truliant Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Truliant Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Truliant Federal Credit Union rates compare?

Current Truliant Federal Credit Union Rates

Compare to Other Credit Unions