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TruStone Financial Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
TruStone Financial Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 13 Month Special CD, 1.00% APY on savings, 3.50% APY on money market accounts, 4.00% APY on checking, 6.00% on its Mortgage Loans (Purchase) - 5/6 ARM Conforming, rv, boat and powersport loans from 6.35% APR, and credit cards from 13.15% APR, according to rates verified by MonitorBankRates. Other TruStone Financial Credit Union CD rates include 20 Month Special CD at 4.25%, 7 Month Special CD at 4.25%, and 12 Month (Moneywise Available) CD at 4.00%. Other TruStone Financial Credit Union mortgage rates include 15-Year Fixed Rate at 6.38%, Mortgage Loans (Refinance) - 5/6 ARM Refinance at 6.00%, and 15-Year Fixed Rate Refinance at 6.50%. 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 10/10/2026.
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.
TruStone Financial Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
TruStone Financial Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.56%
ExcellentLower than avg
TruStone Financial Credit Union Texas Ratio
TruStone Financial Credit Union's Texas Ratio is 4.56%, which is considered excellent and is lower than the national average of 6.13%.
TruStone Financial Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.88% to 4.56% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
13 Month Special Certificate
4.18%
4.25%
13 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
20 Month Special Certificate
4.18%
4.25%
20 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
12 Month (Moneywise Available) Certificate
3.94%
4.00%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
24 Month Certificate
3.70%
3.75%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
36 Month Certificate
3.70%
3.75%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
48 Month Certificate
3.70%
3.75%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
60 Month Certificate
3.70%
3.75%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
TruStone Financial Credit Union Savings Rates
Product
Rate
APY
View More
Traditional and Roth IRA Savings
1.00%
1.00%
Min Deposit$0
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Health Savings Account
0.30%
0.30%
Min Deposit$0
Min Balance$0
Details$5,000 And Greater
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Health Savings Account
0.20%
0.20%
Min Deposit$0
Min Balance$0
Details$500 - $2,499.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Health Savings Account
0.10%
0.10%
Min Deposit$0
Min Balance$0
Details$.01 - $499.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
TruStone Financial Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
2.96%
3.00%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Maintenance Fee/ Minimum Balance*: $10 if less than $2,500 (effective 2/1/25)
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 3.00% APY · checked 2 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
DetailsBalance: $250,000 And Greater; Maintenance Fee/ Minimum Balance*: $10 if less than $2,500 (effective 2/1/25)
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 3.00% APY · checked 2 times
No change since Oct 1, 2026 · 3.00% APY · checked 2 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
DetailsBalance: $25,000 And Greater; Maintenance Fee/ Minimum Balance*: $0
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 3.00% APY · checked 2 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
DetailsBalance: $50,000 - $99,999.99; Maintenance Fee/ Minimum Balance*: $10 if less than $2,500 (effective 2/1/25)
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 2.00% APY · checked 2 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
DetailsBalance: $25,000 - $49,999.99; Maintenance Fee/ Minimum Balance*: $10 if less than $2,500 (effective 2/1/25)
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 1.50% APY · checked 2 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
DetailsBalance: $10,000 - $24,999.99; Maintenance Fee/ Minimum Balance*: $10 if less than $2,500 (effective 2/1/25)
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 1.00% APY · checked 2 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
DetailsBalance: $2,500 - $9,999.99; Maintenance Fee/ Minimum Balance*: $10 if less than $2,500 (effective 2/1/25)
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.80% APY · checked 2 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
DetailsBalance: $.01 - $2,499.99; Maintenance Fee/ Minimum Balance*: $10 if less than $2,500 (effective 2/1/25)
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.10% APY · checked 2 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
View More
Business High-Yield Money Market
3.45%
3.50%
Min Deposit$5
Min Balance$5,000,000
DetailsBalance: $5,000,000 And Greater
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 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
DetailsBalance: $3,000,000 - $4,999,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 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
DetailsBalance: $1,000,000 - $2,999,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 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
DetailsBalance: $100,000 - $249,999.99; $10 if less than $2,500
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 3.00% APY · checked 2 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
DetailsBalance: $750,000 - $999,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 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
DetailsBalance: $500,000 - $749,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 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
DetailsBalance: $250,000 - $499,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 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
DetailsBalance: $50,000 - $99,999.99; $10 if less than $2,500
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 2.00% APY · checked 2 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
DetailsBalance: $100,000 - $249,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 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
DetailsBalance: $25,000 - $49,999.99; $10 if less than $2,500
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 1.50% APY · checked 2 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
DetailsBalance: $.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 6 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
DetailsBalance: $10,000 - $24,999.99; $10 if less than $2,500
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 1.00% APY · checked 2 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
DetailsBalance: $2,500 - $9,999.99; $10 if less than $2,500
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.80% APY · checked 2 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
DetailsBalance: $.01 - $2,499.99; $10 if less than $2,500
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
TruStone Financial Credit Union Checking Rates
Product
Rate
APY
View More
TruRate Checking
3.93%
4.00%
Min Deposit$2,000
Min Balance$10
DetailsBalance: $10 if less than $2,000; Qualifications Required: when requirements are met; $.01-$20,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 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$5
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
TruRate Checking
0.10%
0.10%
Min Deposit$2,000
Min Balance$10
DetailsBalance: $10 if less than $2,000; Qualifications Required: when requirements are met; $20,000.01 And Greater
Last Updated10/10/2026
Rate History
No change since Sep 14, 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 Checking Rates
Product
Rate
APY
View More
Business Booster Club Checking
1.00%
1.00%
Min Deposit$25
Min Balance$0
DetailsBalance: $0 monthly service fee
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Capital Business Checking
0.30%
0.30%
Min Deposit$100
Min Balance$12
DetailsBalance: $12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter; Balance: $25,000 And Greater
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 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$12
DetailsBalance: $12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter; Balance: $15,000 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 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$12
DetailsBalance: $12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter; Balance: $7,500 - $14,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
TruStone Financial Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage Loans (Purchase) - 5/6 ARM Conforming
6.00%
-
6.572%
No additional details.
Last Updated10/10/2026
Rate History
6 changes since Sep 14, 2026 · 6.38% → 6.57% ▲ 0.19 pts · high 6.63% / low 6.30%
Oct 10, 20266.57%▼ from 6.63%
Oct 2, 20266.63%▲ from 6.56%
Oct 1, 20266.56%▲ from 6.54%
Sep 27, 20266.54%▲ from 6.30%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
15-Year Fixed Rate
6.375%
-
6.618%
No additional details.
Last Updated10/10/2026
Rate History
6 changes since Sep 14, 2026 · 6.21% → 6.62% ▲ 0.41 pts · high 6.72% / low 6.21%
Oct 10, 20266.62%▼ from 6.72%
Oct 2, 20266.72%▲ from 6.61%
Oct 1, 20266.61%▼ from 6.70%
Sep 27, 20266.70%▲ from 6.32%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Mortgage Loans (Refinance) - 5/6 ARM Refinance
6.00%
-
6.673%
5/6 ARM
No additional details.
Last Updated10/10/2026
Rate History
5 changes since Sep 14, 2026 · 6.30% → 6.67% ▲ 0.37 pts · high 6.73% / low 6.30%
Oct 10, 20266.67%▼ from 6.73%
Oct 2, 20266.73%▲ from 6.63%
Sep 27, 20266.63%▲ from 6.39%
Sep 22, 20266.39%▼ from 6.53%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
15-Year Fixed Rate Refinance
6.50%
-
6.723%
15 years
No additional details.
Last Updated10/10/2026
Rate History
5 changes since Sep 14, 2026 · 6.09% → 6.72% ▲ 0.64 pts · high 6.75% / low 6.09%
Oct 10, 20266.72%▼ from 6.75%
Oct 2, 20266.75%▲ from 6.73%
Sep 27, 20266.73%▲ from 6.35%
Sep 22, 20266.35%▼ from 6.37%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Mortgage Loans (Purchase) - 7/6 ARM Conforming
6.25%
-
6.735%
No additional details.
Last Updated10/10/2026
Rate History
6 changes since Sep 14, 2026 · 6.46% → 6.74% ▲ 0.28 pts · high 6.82% / low 6.46%
Oct 10, 20266.74%▼ from 6.82%
Oct 2, 20266.82%▲ from 6.76%
Oct 1, 20266.76%▲ from 6.74%
Sep 27, 20266.74%▲ from 6.46%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Mortgage Loans (Refinance) - 7/6 ARM Refinance
6.25%
-
6.881%
7/6 ARM
No additional details.
Last Updated10/10/2026
Rate History
5 changes since Sep 14, 2026 · 6.37% → 6.88% ▲ 0.51 pts · high 7.94% / low 6.37%
Oct 10, 20266.88%▼ from 7.03%
Oct 2, 20267.03%▼ from 7.94%
Sep 27, 20267.94%▲ from 6.58%
Sep 22, 20266.58%▼ from 6.61%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
VA 30-Year Fixed
7.00%
-
7.126%
No additional details.
Last Updated10/10/2026
Rate History
6 changes since Sep 14, 2026 · 6.52% → 7.13% ▲ 0.60 pts · high 7.14% / low 6.52%
Oct 10, 20267.13%▼ from 7.14%
Oct 2, 20267.14%▲ from 7.12%
Oct 1, 20267.12%▼ from 7.13%
Sep 27, 20267.13%▲ from 6.65%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
FHA 30-Year Fixed
6.875%
-
7.192%
No additional details.
Last Updated10/10/2026
Rate History
6 changes since Sep 14, 2026 · 6.65% → 7.19% ▲ 0.55 pts · high 7.29% / low 6.65%
Oct 10, 20267.19%▼ from 7.29%
Oct 2, 20267.29%▲ from 7.17%
Oct 1, 20267.17%▼ from 7.20%
Sep 27, 20267.20%▲ from 6.76%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
30-Year Fixed Rate - MN AZ FL
7.125%
-
7.251%
No additional details.
Last Updated10/10/2026
Rate History
6 changes since Sep 14, 2026 · 6.74% → 7.25% ▲ 0.51 pts · high 7.28% / low 6.74%
Oct 10, 20267.25%▼ from 7.28%
Oct 2, 20267.28%▲ from 7.25%
Oct 1, 20267.25%▲ from 7.13%
Sep 27, 20267.13%▲ from 6.87%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
30-Year Fixed Rate - WI
7.125%
-
7.265%
No additional details.
Last Updated10/10/2026
Rate History
6 changes since Sep 14, 2026 · 6.76% → 7.27% ▲ 0.51 pts · high 7.29% / low 6.76%
Oct 10, 20267.27%▼ from 7.29%
Oct 2, 20267.29%▲ from 7.27%
Oct 1, 20267.27%▲ 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 Refinance
7.125%
-
7.28%
30 years
No additional details.
Last Updated10/10/2026
Rate History
5 changes since Sep 14, 2026 · 6.63% → 7.28% ▲ 0.65 pts · high 7.37% / low 6.63%
Oct 10, 20267.28%▼ from 7.37%
Oct 2, 20267.37%▲ from 7.14%
Sep 27, 20267.14%▲ from 6.88%
Sep 22, 20266.88%▼ from 6.89%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
30-Year Fixed Rate HomeReady
7.625%
-
7.754%
No additional details.
Last Updated10/10/2026
Rate History
5 changes since Sep 14, 2026 · 7.15% → 7.75% ▲ 0.60 pts · high 7.78% / low 7.15%
Oct 10, 20267.75%▼ from 7.78%
Oct 2, 20267.78%▲ from 7.75%
Oct 1, 20267.75%▲ from 7.66%
Sep 27, 20267.66%▲ from 7.38%
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
View More
Home Equity Loan - 5-Year Fixed-Rate
4.99%
-
5.24%
5-Year
DetailsUp to 80% loan-to-value
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.24% APR
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
DetailsUp to 80% loan-to-value
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.12% APR
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
DetailsUp to 80% loan-to-value
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.56% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Home Equity Line of Credit (HELOC)
6.75%
-
6.75%
Variable Rate
DetailsUp to 80% loan-to-value
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 7 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
View More
Auto Loans - Model Year 2023+
-
-
4.74%
36 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
-
-
4.99%
36 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
-
-
5.24%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
-
-
5.24%
60 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
-
-
5.49%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
-
-
5.49%
60 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
-
-
5.49%
72 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
-
-
5.54%
84 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
-
-
5.74%
72 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 6 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
View More
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan
-
6.35%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.35% APR · checked 6 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
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.45% APR · checked 6 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
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 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 - 48 Months Loan
-
6.99%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 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 - 60 Months Loan
-
7.45%
60 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.45% APR · checked 6 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
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 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 - 72 Months Loan
-
7.75%
72 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 6 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 - 84+ Months Loan
-
8.75%
84+ Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
TruStone Financial Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum Rewards
-
13.15%
DetailsPublished APR range: 13.15%-17.15%. Earn reward points while making everyday purchases with the Visa Platinum Rewards Credit Card. With a low variable rate and credit limits starting at $500, it's a popular and useful card to add to your wallet.
Last Updated10/10/2026
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%
DetailsPublished APR range: 13.15%-17.15%. As Low As; Credit limits beginning at $5,000 and the option of cash back rewards, our Signature Card is sure to be your top-of-wallet, everyday use card.
Last Updated10/10/2026
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 Business Platinum Credit Card
-
14.65%
DetailsIf your business needs the flexibility and convenience of spending on the go, look no further. With credit limits starting at $500, variable rate as low as 14.65% APR and no annual fee, the Visa Business Platinum Credit Card will help you - and your business - thrive. A member service representative can get you started on the path to spending with ease. APR = Annual Percentage Rate will vary with the market based on the Prime Rate and is subject to change. All loans are subject to credit approval. See Terms and Conditions.; APR range: 14.65% APR to 17.90% APR
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 14.65% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
TruStone Financial Credit Union Personal Loan Rates
Product
APR
Term
View More
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ Loan
6.35%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.35% APR · checked 6 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
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.45% APR · checked 6 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
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 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 - 48 Months Loan
6.99%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 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 - 60 Months Loan
7.45%
60 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.45% APR · checked 6 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
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 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 - 72 Months Loan
7.75%
72 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 6 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 - 84+ Months Loan
8.75%
84+ Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Personal Loan (Unsecured)
10.99%
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Personal Line of Credit (Unsecured)
12.49%
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
Visa Signature
13.15%
DetailsPublished APR range: 13.15%-17.15%. As Low As; Credit limits beginning at $5,000 and the option of cash back rewards, our Signature Card is sure to be your top-of-wallet, everyday use card.
Last Updated10/10/2026
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 Financial Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
MoneyWise Primary Share (Youth)
2.97%
-
3.00%
Min Deposit$5
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.56%
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.
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
Q2 2026 MBR Health & Safety Badge
TruStone Financial Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About TruStone Financial Credit Union
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.
Current TruStone Financial Credit Union Rates
12-Month CD4.00%
24-Month CD3.75%
60-Month CD3.75%
Savings1.00%
MMA3.50%
Retrieved from our database of financial products. Rates subject to change.