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TruStone Financial Credit Union

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TruStone Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at TruStone Financial Credit Union?

Current rates for TruStone Financial Credit Union include: 12-Month CD: 4.25%, 24-Month CD: 4.00%, 60-Month CD: 4.00%, Savings: 1.00%, MMA: 3.50%

Q: What CD terms does TruStone Financial Credit Union offer?

TruStone Financial Credit Union CD rates are 4.00% APY for a 6 month CD, 4.25% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with TruStone Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

TruStone Financial Credit Union's 12 Month CD rates are at 4.25%, 24 Month CD rates are at 4.00%, 36 Month CD rates are at 4.00%, 48 Month CD rates are at 4.00%, 6 Month CD rates are at 4.00%. TruStone Financial Credit Union's savings rates are at 1.00%. TruStone Financial Credit Union's money market rates are at 3.50%. TruStone Financial Credit Union's checking rates are as high as 4.00%. TruStone Financial Credit Union's 15-Year Fixed Rate rates are at 6.12%, 5/6 ARM Conforming rates are at 5.88%, 15-Year Fixed Rate Refinance rates are at 6.25%, 5/6 ARM Refinance rates are at 5.88%, 7/6 ARM Conforming rates are at 6.12%. TruStone Financial Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.35%. TruStone Financial Credit Union's Credit Card Rates are at 13.15%. TruStone Financial Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of TruStone Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.56%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TruStone Financial Credit Union
Corporate Office

14601 27th Ave N
Plymouth, MN 55447

https://www.trustonefinancial.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.

TruStone Financial Credit Union CD Rates

Product	Rate	APY	Term
13 Month Special Certificate	4.43%	4.50%	13 Month
No additional details. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 26, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
20 Month Special Certificate	4.43%	4.50%	20 Month
No additional details. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 26, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
12 Month Certificate	4.18%	4.25%	12 Month
Details Moneywise Available Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 26, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
7 Month Special Certificate	4.18%	4.25%	7 Month
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
24 Month Certificate	3.94%	4.00%	24 Month
No additional details. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
36 Month Certificate	3.94%	4.00%	36 Month
No additional details. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
48 Month Certificate	3.94%	4.00%	48 Month
No additional details. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
6 Month Certificate	3.94%	4.00%	6 Month
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
60 Month Certificate	3.94%	4.00%	60 Month
No additional details. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
3 Month Certificate	1.49%	1.50%	3 Month
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Savings Rates

Product	Rate	APY
MoneyWise Primary Share (Youth)	2.97%	3.00%
Min Deposit $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Traditional and Roth IRA Savings	1.00%	1.00%
Min Deposit $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000 And Greater; Maintenance Fee/Minimum Balance: $0 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.20%	0.20%
Min Balance $500 Details Balance: $500 - $2,499.99; Maintenance Fee/Minimum Balance: $0 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99; Maintenance Fee/Minimum Balance: $0 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $.01 - $499.99; Maintenance Fee/Minimum Balance: $0 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Primary Share Savings	0.10%	0.10%
Min Deposit $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500; Tier VI Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 And Greater; Maintenance Fee/Minimum Balance: $10 if less than $2,500; Tier VII Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Moneywise Money Market (Youth)	2.97%	3.00%
Min Deposit $500 Min Balance $0 Details Balance: $.01 - $499.99; Maintenance Fee/Minimum Balance: $0; Tier I Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Moneywise Money Market (Youth)	2.97%	3.00%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000- $24,999.99; Maintenance Fee/Minimum Balance: $0; Tier III Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Moneywise Money Market (Youth)	2.97%	3.00%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 And Greater; Maintenance Fee/Minimum Balance: $0; Tier IV Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500; Tier V Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500; Tier IV Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500; Tier III Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Money Market	0.80%	0.80%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500; Tier II Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: $.01 - $2,499.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500; Tier I Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Business Money Market Rates

Product	Rate	APY
Business High-Yield Money Market	3.45%	3.50%
Min Deposit $5 Min Balance $5,000,000 Details Balance: $5,000,000 And Greater Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business High-Yield Money Market	3.20%	3.25%
Min Deposit $5 Min Balance $3,000,000 Details Balance: $3,000,000 - $4,999,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business High-Yield Money Market	2.96%	3.00%
Min Deposit $5 Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 And Greater; Maintenance Fee/Minimum Balance: $10 if less than $2,500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business High-Yield Money Market	2.72%	2.75%
Min Deposit $5 Min Balance $750,000 Details Balance: $750,000 - $999,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business High-Yield Money Market	2.47%	2.50%
Min Deposit $5 Min Balance $500,000 Details Balance: $500,000 - $749,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business High-Yield Money Market	1.98%	2.00%
Min Deposit $5 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business High-Yield Money Market	1.74%	1.75%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business High-Yield Money Market	1.04%	1.05%
Min Deposit $5 Min Balance $0 Details Balance: $.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Money Market	0.80%	0.80%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: $.01 - $2,499.99; Maintenance Fee/Minimum Balance: $10 if less than $2,500 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Checking Rates

Product	Rate	APY
TruRate Checking	3.93%	4.00%
Min Deposit $2,000 Min Balance $0 Details Balance: $.01-$20,000.00; APY when requirements are met; Maintenance fee: $10 if less than $2,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Booster Club Checking	1.00%	1.00%
Min Deposit $25 Details $0 monthly service fee Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Premium Checking	0.10%	0.10%
Min Deposit $300 Min Balance $300 Details Maintenance fee: $5 if less than $300 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Moneywise Teen Checking	0.00%	0.00%
Min Deposit $5 Min Balance $0 Details Maintenance Fee/Minimum Balance: $0 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Value Checking	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Maintenance Fee/Minimum Balance: $0 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Business Checking Rates

Product	Rate	APY
Capital Business Checking	0.30%	0.30%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 And Greater; $12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Capital Business Checking	0.25%	0.25%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000 - $24,999.99; $12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Capital Business Checking	0.20%	0.20%
Min Deposit $100 Min Balance $7,500 Details Balance: $7,500 - $14,999.99; $12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Essential Business Checking	0.00%	0.00%
Min Deposit $100 Details $5 if average daily balance is less than $500; First 100 paper/digital transactions are free, $0.20 each thereafter Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Small Business Checking	0.00%	0.00%
Min Deposit $100 Details $0 monthly service fee; First 20 paper checks transacted are free, $0.25 each thereafter Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Rate	6.125%	-	6.375%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 6.21% → 6.38% ▲ 0.17 pts · high 6.72% / low 6.21% Oct 30, 20266.38%▼ from 6.47% Oct 26, 20266.47%▼ from 6.62% Oct 10, 20266.62%▼ from 6.72% Oct 2, 20266.72%▲ from 6.61% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
5/6 ARM Conforming	5.875%	-	6.419%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 2 changes since Oct 19, 2026 · 6.47% → 6.42% ▼ 0.05 pts · high 6.47% / low 6.38% Oct 30, 20266.42%▲ from 6.38% Oct 26, 20266.38%▼ from 6.47% Oct 19, 20266.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
15-Year Fixed Rate Refinance	6.25%	-	6.488%	15-Year
Details Refinance; Effective October 29, 2026; APR includes approximately one discount point and closing costs Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 6.09% → 6.49% ▲ 0.40 pts · high 6.75% / low 6.09% Oct 30, 20266.49%▼ from 6.72% Oct 10, 20266.72%▼ from 6.75% Oct 2, 20266.75%▲ from 6.73% Sep 27, 20266.73%▲ from 6.35% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
5/6 ARM Refinance	5.875%	-	6.507%
Details Refinance; Effective October 29, 2026; Adjustable-rate mortgage, 5-year initial fixed period, then adjusts every six months based on 30-day SOFR plus margin; APR includes approximately one discount point and closing costs Last Updated 10/30/2026 Rate History 2 changes since Oct 19, 2026 · 6.54% → 6.51% ▼ 0.03 pts · high 6.54% / low 6.47% Oct 30, 20266.51%▲ from 6.47% Oct 26, 20266.47%▼ from 6.54% Oct 19, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
7/6 ARM Conforming	6.125%	-	6.58%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 2 changes since Oct 19, 2026 · 6.65% → 6.58% ▼ 0.07 pts · high 6.65% / low 6.54% Oct 30, 20266.58%▲ from 6.54% Oct 26, 20266.54%▼ from 6.65% Oct 19, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
7/6 ARM Refinance	6.25%	-	6.664%
Details Refinance; Effective October 29, 2026; Adjustable-rate mortgage, 7-year initial fixed period, then adjusts every six months based on 30-day SOFR plus margin; APR includes approximately one discount point and closing costs Last Updated 10/30/2026 Rate History 2 changes since Oct 19, 2026 · 6.72% → 6.66% ▼ 0.06 pts · high 6.72% / low 6.61% Oct 30, 20266.66%▲ from 6.61% Oct 26, 20266.61%▼ from 6.72% Oct 19, 20266.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
VA 30-Year Fixed	6.75%	-	6.874%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 6.52% → 6.87% ▲ 0.35 pts · high 7.14% / low 6.52% Oct 30, 20266.87%▼ from 7.01% Oct 26, 20267.01%▼ from 7.13% Oct 10, 20267.13%▼ from 7.14% Oct 2, 20267.14%▲ from 7.12% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
FHA 30-Year Fixed	6.50%	-	6.876%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 6.65% → 6.88% ▲ 0.23 pts · high 7.29% / low 6.65% Oct 30, 20266.88%▼ from 7.04% Oct 26, 20267.04%▼ from 7.19% Oct 10, 20267.19%▼ from 7.29% Oct 2, 20267.29%▲ from 7.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
30-Year Fixed Rate - MN AZ FL	6.875%	-	7.001%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 6.74% → 7.00% ▲ 0.26 pts · high 7.28% / low 6.74% Oct 30, 20267.00%▼ from 7.01% Oct 26, 20267.01%▼ from 7.25% Oct 10, 20267.25%▼ from 7.28% Oct 2, 20267.28%▲ from 7.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
30-Year Fixed Rate Refinance	6.875%	-	7.013%	30-Year
Details Refinance; Effective October 29, 2026; APR includes approximately one discount point and closing costs Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 6.63% → 7.01% ▲ 0.39 pts · high 7.37% / low 6.63% Oct 30, 20267.01%▼ from 7.28% Oct 10, 20267.28%▼ from 7.37% Oct 2, 20267.37%▲ from 7.14% Sep 27, 20267.14%▲ from 6.88% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
30-Year Fixed Rate - WI	6.875%	-	7.016%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 6.76% → 7.02% ▲ 0.26 pts · high 7.29% / low 6.76% Oct 30, 20267.02%▼ from 7.02% Oct 26, 20267.02%▼ from 7.27% Oct 10, 20267.27%▼ from 7.29% Oct 2, 20267.29%▲ from 7.27% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
30-Year Fixed Rate HomeReady	7.375%	-	7.532%
Details Mortgage Loans (Purchase); Effective October 29, 2026 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 7.15% → 7.53% ▲ 0.38 pts · high 7.78% / low 7.15% Oct 30, 20267.53%▲ from 7.52% Oct 26, 20267.52%▼ from 7.75% Oct 10, 20267.75%▼ from 7.78% Oct 2, 20267.78%▲ from 7.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5-Year Fixed-Rate	4.99%	-	5.24%	5-Year
Details Up to 80% loan-to-value; fixed-rate; APR as low as; effective September 21, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Equity Loan - 10-Year Fixed-Rate	5.99%	-	6.12%	10-Year
Details Up to 80% loan-to-value; fixed-rate; APR as low as; effective September 21, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.12% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Equity Loan - 15-Year Fixed-Rate	6.49%	-	6.56%	15-Year
Details Up to 80% loan-to-value; fixed-rate; APR as low as; effective September 21, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.56% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Equity Line of Credit (HELOC)	6.75%	-	6.75%
Details As Low As; Variable Rate; Up to 80% loan-to-value; Effective September 21, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans - Model Year 2023+	-	-	4.74%	36 Months
Details As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older - 36 Months	-	-	4.99%	36 Months
Details APR As Low As; Minimum loan amount of $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+	-	-	5.24%	48 Months
Details As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+	-	-	5.24%	60 Months
Details As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older - 48 Months	-	-	5.49%	48 Months
Details APR As Low As; Minimum loan amount of $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older - 60 Months	-	-	5.49%	60 Months
Details APR As Low As; Minimum loan amount of $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+	-	-	5.49%	72 Months
Details As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+	-	-	5.54%	84 Months
Details As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.54% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older - 72 Months	-	-	5.74%	72 Months
Details APR As Low As; Minimum loan amount of $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	-	6.35%	48 Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	-	6.45%	60 Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	-	6.75%	72 Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	-	6.99%	48 Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	-	7.45%	60 Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	-	7.50%	84+ Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	-	7.75%	72 Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	-	8.75%	84+ Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rewards	-	13.15%
Details As Low As; Rates as low as 13.15%-17.15% APR; earns reward points; credit limits starting at $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 13.15% ▲ 0.25 pts · high 13.15% / low 12.90% Sep 22, 202613.15%▲ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Visa Signature	-	13.15%
Details As Low As; Rates as low as 13.15%-17.15% APR; credit limits beginning at $5,000; cash back rewards option Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 13.15% ▲ 0.25 pts · high 13.15% / low 12.90% Sep 22, 202613.15%▲ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
TruStone Visa Business Platinum Credit Card	-	14.65%
Details As Low As; variable rate, range 14.65% APR to 17.90% APR as of August 1, 2023; based on Prime Rate; credit limits starting at $500; no annual fee Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 14.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

TruStone Financial Credit Union Personal Loan Rates

Product	APR	Term
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	6.35%	48 Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	6.45%	60 Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.45% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	6.75%	72 Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	6.99%	48 Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	7.45%	60 Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan	7.50%	84+ Months
Details As Low As; Minimum loan amount of $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	7.75%	72 Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older Loan	8.75%	84+ Months
Details As Low As; Minimum loan amount $5,000; Max terms: ATV/UTV/Personal Watercraft/Snowmobiles = 72 months; Motorcycle = 84 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Personal Loan (Unsecured)	10.99%
Details As Low As; Fixed rates range from 10.99% to 17.99% APR; Max 72-month payment term; 0.25% discount for automatic loan payments from a TruStone account included Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Personal Line of Credit (Unsecured)	12.49%
Details As Low As; Fixed rates range from 12.49% to 16.74% APR; Max 72-month payment term; 0.25% discount for automatic loan payments from a TruStone account included Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Visa Signature	13.15%
Details As Low As; Rates as low as 13.15%-17.15% APR; credit limits beginning at $5,000; cash back rewards option Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 13.15% ▲ 0.25 pts · high 13.15% / low 12.90% Sep 22, 202613.15%▲ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

TruStone Financial Credit Union’s Texas Ratio rose from 1.88% in Q3 2023 to 4.56% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$6.1B	4.56%	5.0	A+
March 31, 2026	$6.1B	4.88%	5.0	A+
December 31, 2025	$6.0B	4.86%	5.0	A+
September 30, 2025	$5.7B	5.11%	5.0	A+
June 30, 2025	$5.6B	5.18%	5.0	A+
March 31, 2025	$5.6B	5.36%	5.0	A+
December 31, 2024	$5.4B	5.94%	5.0	A+
September 30, 2024	$5.4B	5.85%	5.0	A+
June 30, 2024	$5.2B	2.44%	5.0	A+
March 31, 2024	$5.2B	1.86%	5.0	A+
December 31, 2023	$5.0B	2.19%	5.0	A+
September 30, 2023	$4.8B	1.88%	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 TruStone Financial 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 TruStone Financial 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 TruStone Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TruStone Financial Credit Union

Website https://www.trustonefinancial.org

Address 14601 27th Ave N, Plymouth, MN 55447

Phone 763-544-1517

Fax

President Darrick Metz

CEO Dale Turner

Full-Time Employees 540

Part-Time Employees 36

Branch Locations 24

ATM Locations 25

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.56%

Return on Assets (ROA)

0.5051%

Return on Equity (ROE)

4.5971%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

6,091,348,113

Total Amount of Shares and Deposits

4,583,228,676

Total Shares and Deposits < 1 Year

4,428,714,697

Total Shares and Deposits 1 3 Years

119,148,107

Total Shares and Deposits > 3 Years

35,365,872

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

395,085,706

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

416,209,259

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

4,167,019,417

Total Interest Expense (Sum of items 6 8)

80,488,095

Share Certificates

42,564

Number of Accounts for Share Drafts

140,058

IRA KEOGH Accounts

9,564

Number of Accounts for Regular Shares

270,183

All other shares

1,749

Non Member Deposits

203

Money Market Shares

27,061

Net Income (unless the amount is already included in Undivided Earnings)

30,765,205

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)

231,941,842

Total Liabilities

5,464,229,138

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

TruStone Financial 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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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About TruStone Financial Credit Union

Does TruStone Financial Credit Union offer CDs?

Yes. TruStone Financial Credit Union current CD rates include its 12 Month CD at 4.25% APY, its 24 Month CD at 4.00% APY and its 36 Month CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from TruStone Financial Credit Union NCUA insured?

Yes. TruStone Financial 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 TruStone Financial Credit Union?

The highest TruStone Financial Credit Union CD rate is its 13 Month Special CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does TruStone Financial Credit Union offer?

TruStone Financial Credit Union CD rates are 4.00% APY for a 6 month CD, 4.25% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with TruStone Financial Credit Union for its full lineup.

What is the highest savings rate at TruStone Financial Credit Union?

The highest TruStone Financial Credit Union savings rate is its Traditional and Roth IRA Savings at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at TruStone Financial Credit Union?

The highest TruStone Financial Credit Union money market rate is its Business High-Yield Money Market at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at TruStone Financial Credit Union?

The highest TruStone Financial Credit Union checking rate is its TruRate Checking at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at TruStone Financial Credit Union?

The lowest TruStone Financial Credit Union 30 year fixed mortgage rate is its FHA 30-Year Fixed at 6.50%, verified by MonitorBankRates as of October 30, 2026. TruStone Financial Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.125% for a 15 year mortgage, 5.875% for a 5/6 ARM and 6.125% for a 7/6 ARM.

What is the lowest auto loan rate at TruStone Financial Credit Union?

The lowest TruStone Financial Credit Union auto loan rate is its Auto Loans - Model Year 2023+ at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. TruStone Financial Credit Union auto loan rates are 4.99% APR for a 36 month auto loan, 5.49% APR for a 48 month auto loan, 5.49% APR for a 60 month auto loan and 5.74% APR for a 72 month auto loan.

What is the lowest personal loan rate at TruStone Financial Credit Union?

The lowest TruStone Financial Credit Union personal loan rate is its Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan at 6.35% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at TruStone Financial Credit Union?

The lowest TruStone Financial Credit Union credit card APR is its Visa Platinum Rewards Credit Card at 13.15% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does TruStone Financial Credit Union operate?

TruStone Financial 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 TruStone Financial Credit Union?

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

Does TruStone Financial Credit Union offer online and mobile banking?

Most modern institutions like TruStone Financial 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.trustonefinancial.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 TruStone Financial Credit Union rates compare?

TruStone Financial Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. TruStone Financial Credit Union's top rates are its 13 Month Special CD at 4.50% APY, its Traditional and Roth IRA Savings at 1.00% APY, its Business High-Yield Money Market at 3.50% APY, its TruRate Checking at 4.00% APY, its 5/6 ARM Conforming at 5.875%, its Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan at 6.35% APR and its Visa Platinum Rewards Credit Card at 13.15% APR, verified by MonitorBankRates on October 30, 2026.

Current TruStone Financial Credit Union Rates

12-Month CD4.25%
24-Month CD4.00%
60-Month CD4.00%
Savings1.00%
MMA3.50%

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

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TruStone Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

TruStone Financial Credit Union Texas Ratio

TruStone Financial Credit Union Health Trend

TruStone Financial Credit Union CD Rates

TruStone Financial Credit Union Savings Rates

TruStone Financial Credit Union Money Market Rates

TruStone Financial Credit Union Business Money Market Rates

TruStone Financial Credit Union Checking Rates

TruStone Financial Credit Union Business Checking Rates

TruStone Financial Credit Union Mortgage Rates

TruStone Financial Credit Union Home Equity & HELOC

TruStone Financial Credit Union Auto Loan Rates

TruStone Financial Credit Union RV, Boat and Powersport Loan Rates

TruStone Financial Credit Union Credit Card Rates

TruStone Financial Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TruStone Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TruStone Financial Credit Union

Does TruStone Financial Credit Union offer CDs?

Are CDs from TruStone Financial Credit Union NCUA insured?

What is the highest CD rate at TruStone Financial Credit Union?

What CD terms does TruStone Financial Credit Union offer?

What is the highest savings rate at TruStone Financial Credit Union?

What is the highest money market rate at TruStone Financial Credit Union?

What is the highest checking rate at TruStone Financial Credit Union?

What is the lowest 30 year fixed mortgage rate at TruStone Financial Credit Union?

What is the lowest auto loan rate at TruStone Financial Credit Union?

What is the lowest personal loan rate at TruStone Financial Credit Union?

What is the lowest credit card APR at TruStone Financial Credit Union?

How many branches does TruStone Financial Credit Union operate?

Is a member application needed to join TruStone Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TruStone Financial 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 TruStone Financial Credit Union rates compare?

Current TruStone Financial Credit Union Rates

Compare to Other Credit Unions