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expiredswami.ganapathi posted Oct 04, 2023 02:56 AM
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expiredswami.ganapathi posted Oct 04, 2023 02:56 AM

Truliant Federal Credit Union: 11-Month Certificate of Deposit (CD)

w/ $5000 Min. Deposit (Valid in NC, SC, VA, GA, TN)

6.25% APY

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Deal Details
Truliant Federal Credit Union is offering 11-Month Certificate of Deposit (CD) at 6.25% APY with $5000 Minimum Deposit.

Thanks to community member swami.ganapathi for sharing this deal.

Note, to join this credit union you must live, work, worship or attend school in a county near one of its branches (located in the following states: NC, SC, VA, GA, TN). You may also work for one of its business partners (listed when you apply for membership).

Editor's Notes

Written by qwikwit | Staff
  • Offer Terms:
    • Limited-time offer. Penalty for early withdrawal. Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant. Funds will roll over into a 12-month regular certificate upon maturity. Not available for business certificates.

Original Post

Written by swami.ganapathi
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Truliant Federal Credit Union is offering 11-Month Certificate of Deposit (CD) at 6.25% APY with $5000 Minimum Deposit.

Thanks to community member swami.ganapathi for sharing this deal.

Note, to join this credit union you must live, work, worship or attend school in a county near one of its branches (located in the following states: NC, SC, VA, GA, TN). You may also work for one of its business partners (listed when you apply for membership).

Editor's Notes

Written by qwikwit | Staff
  • Offer Terms:
    • Limited-time offer. Penalty for early withdrawal. Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant. Funds will roll over into a 12-month regular certificate upon maturity. Not available for business certificates.

Original Post

Written by swami.ganapathi

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Top Comments

GMY
459 Posts
137 Reputation
There are four ways you can be eligible to become a member at Truliant:

Live, work, worship or attend school in a county near one of our branches
Work for one of our business partners
Have an immediate family or household member who is currently a member of Truliant
Join through the American Consumer Council if you live in GA, NC, SC, TN or VA
AndrewinMD
4628 Posts
857 Reputation
You could say that about Costco, Meijer, Microcenter, or many regional stores.
MrWonton
9 Posts
10 Reputation
But credit unions are insured up to the same dollar limits as banks by the National Credit Union Share Insurance Fund (NCUSIF) which is basically identical to FDIC insurance and backed by the full faith and credit of the US government.

There is no risk of loss putting money up to the $250k insured limit in a credit union.

119 Comments

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Oct 04, 2023 04:04 PM
989 Posts
Joined Apr 2017
publicpersonaOct 04, 2023 04:04 PM
989 Posts
I did three 11-month CDs at 6.25% recently with them as a new member and it all went fairly smoothly (almost). I'm still not sure what their membership criteria is, but I'm in NC and one qualification is resident of NC or surrounding states. I believe they have a membership in American Consumer Council criterion as well.

The only snag I had was I was initially rejected because of "info supplied by Chex". So yes, my Chex is frozen and has been for many years and that's never stopped me from opening bank accounts. But I temporarily lifted Chex freeze and reapplied successfully.
1
Oct 04, 2023 09:31 PM
429 Posts
Joined Aug 2018
MawsuOct 04, 2023 09:31 PM
429 Posts
Quote from publicpersona :
I did three 11-month CDs at 6.25% recently with them as a new member and it all went fairly smoothly (almost). I'm still not sure what their membership criteria is, but I'm in NC and one qualification is resident of NC or surrounding states. I believe they have a membership in American Consumer Council criterion as well.

The only snag I had was I was initially rejected because of "info supplied by Chex". So yes, my Chex is frozen and has been for many years and that's never stopped me from opening bank accounts. But I temporarily lifted Chex freeze and reapplied successfully.
Even with ACC membership, its limited to few surrounding states only (not for nation wide)
Oct 04, 2023 10:32 PM
575 Posts
Joined Jan 2006
catman17Oct 04, 2023 10:32 PM
575 Posts

Our community has rated this post as helpful. If you agree, why not thank catman17

How is this a slick deal if only a few people can get it? 🤔🤔
1
31
Oct 04, 2023 10:36 PM
67 Posts
Joined Sep 2009
nd4spdbhOct 04, 2023 10:36 PM
67 Posts
Yup, definitely a great time to put money into a small super regional financial institution at a rate quite a bit higher than most.
2
9
Oct 04, 2023 10:52 PM
4,628 Posts
Joined Jun 2008
AndrewinMDOct 04, 2023 10:52 PM
4,628 Posts
Quote from catman17 :
How is this a slick deal if only a few people can get it? 🤔🤔
You could say that about Costco, Meijer, Microcenter, or many regional stores.
8
Oct 04, 2023 10:55 PM
459 Posts
Joined Mar 2006
GMYOct 04, 2023 10:55 PM
459 Posts

Our community has rated this post as helpful. If you agree, why not thank GMY

There are four ways you can be eligible to become a member at Truliant:

Live, work, worship or attend school in a county near one of our branches
Work for one of our business partners
Have an immediate family or household member who is currently a member of Truliant
Join through the American Consumer Council if you live in GA, NC, SC, TN or VA
3
Oct 04, 2023 10:56 PM
10,830 Posts
Joined Dec 2007

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Oct 04, 2023 11:02 PM
3,810 Posts
Joined Aug 2005
labboyproOct 04, 2023 11:02 PM
3,810 Posts
Quote from boosterjm :
How about I bonds?
Current composite buy rate is 4.3% (0.9% of that is fixed for life of bond, the rest is variable and adjusts 2x/year).
Oct 04, 2023 11:06 PM
438 Posts
Joined Mar 2010
icon5585Oct 04, 2023 11:06 PM
438 Posts
Thanks for posting OP, put in my application **cross fingers**
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This user is an Expert in Computers
Oct 04, 2023 11:28 PM
11,729 Posts
Joined Oct 2009
TekkenLordOct 04, 2023 11:28 PM
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This user is an Expert in Computers
11,729 Posts
Let's say you have 10 grands with your current bank and move 5000 grands to earn $325. Would it be wise to lock in 5K? Should you need this 5k before the maturity?
2
4
Oct 05, 2023 12:50 AM
532 Posts
Joined Nov 2013
SirMarvinHagglerOct 05, 2023 12:50 AM
532 Posts
Quote from TekkenLord :
Let's say you have 10 grands with your current bank and move 5000 grands to earn $325. Would it be wise to lock in 5K? Should you need this 5k before the maturity?
You should not lock up or get taxed on (stocks, etc) money you need before maturity.

In your case, I would look at a high yield savings account, which are getting 4+% right now. Savings account typically allow some withdrawals penalty free each month. Place your $5K over there (plus the minimum amount required to start the savings), then whenever you need to withdraw, do it.
Oct 05, 2023 01:27 AM
39 Posts
Joined Dec 2018
ummmreallyOct 05, 2023 01:27 AM
39 Posts
Wish I had a million dollars to spare for a year. That's more than people's yearly earnings
1
4
Oct 05, 2023 01:57 AM
10,830 Posts
Joined Dec 2007
boosterjmOct 05, 2023 01:57 AM
10,830 Posts
Quote from TekkenLord :
Let's say you have 10 grands with your current bank and move 5000 grands to earn $325. Would it be wise to lock in 5K? Should you need this 5k before the maturity?
If you have slightest thought that you might need money and it would be out of this CD before it matures, then its a non starter.
1
Oct 05, 2023 02:00 AM
671 Posts
Joined May 2014
Jimmy_OOct 05, 2023 02:00 AM
671 Posts
Quote from ummmreally :
Wish I had a million dollars to spare for a year. That's more than people's yearly earnings
Depends on the peoples. Smilie
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Oct 05, 2023 02:02 AM
1,071 Posts
Joined Feb 2011
ss115891Oct 05, 2023 02:02 AM
1,071 Posts
Anything for Texas residents? Any good CD for TX?
1

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