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expiredswami.ganapathi posted Oct 4, 2023 2:56 AM

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

6.25% APY

w/ $5000 Min. Deposit (Valid in NC, SC, VA, GA, TN)
119 Comments
72.1K Views
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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

Community Voting

Deal Score
+45
Good Deal
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Top Comments

GMY
466Comments
141Reputation
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
Go to Comment
AndrewinMD
5KComments
893Reputation
You could say that about Costco, Meijer, Microcenter, or many regional stores.
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MrWonton
10Comments
10Reputation
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.
Go to Comment

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119 Comments

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Oct 5, 2023 1:48 PM
308 Comments
Joined Mar 2013
KrstphrhrrsOct 5, 2023 1:48 PM
308 Comments
Looks like it requires you to also open a Membership Savings account with them. Anyone found what the early withdrawal penalty is?
Oct 5, 2023 1:51 PM
1.2K Comments
Joined Dec 2006
funny4lifeOct 5, 2023 1:51 PM
1.2K Comments
"Balance: $5,000 minimum balance - entire balance of certificate must come from funds not currently at Truliant"

Perfect way to give a finger to your current customers.
1
Oct 5, 2023 2:39 PM
4.9K Comments
Joined Mar 2005
thegman230Oct 5, 2023 2:39 PM
4.9K Comments
Quote from Krstphrhrrs :
Looks like it requires you to also open a Membership Savings account with them. Anyone found what the early withdrawal penalty is?
Yes, 3 months interest. You can withdraw the interest earned every month with no penalty however. Just not the principle
Oct 5, 2023 2:57 PM
598 Comments
Joined Sep 2019
SlickMask6251Oct 5, 2023 2:57 PM
598 Comments
This means interest rates are going up. US government and Feds have no solution in sight. Inflation is here to stay.
3
Oct 5, 2023 4:21 PM
710 Comments
Joined May 2022
WeltweitOct 5, 2023 4:21 PM
710 Comments
good rate
Last edited by Weltweit October 8, 2023 at 09:34 AM.
Oct 5, 2023 4:26 PM
5.6K Comments
Joined Feb 2007
fuzzyfacedogOct 5, 2023 4:26 PM
5.6K Comments
Needs ymmv in title
1
Oct 5, 2023 4:29 PM
98 Comments
Joined Jul 2012
wzzp144Oct 5, 2023 4:29 PM
98 Comments
How does the math work on this CD if I were to invest $20,000 ?

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Oct 5, 2023 4:48 PM
178 Comments
Joined Mar 2010
MisioOct 5, 2023 4:48 PM
178 Comments
Quote from wzzp144 :
How does the math work on this CD if I were to invest $20,000 ?
$1,142.91 interest after 11 months
Oct 5, 2023 5:01 PM
11.5K Comments
Joined Aug 2010
J03Oct 5, 2023 5:01 PM
11.5K Comments
Quote from wzzp144 :
How does the math work on this CD if I were to invest $20,000 ?
https://www.nerdwallet.com/calcul...calculator
Oct 5, 2023 5:03 PM
775 Comments
Joined Aug 2009
ssc280Oct 5, 2023 5:03 PM
775 Comments
Quote from catman17 :
How is this a slick deal if only a few people can get it? 🤔🤔
There's lots of deals like that
1
Oct 5, 2023 5:22 PM
5 Comments
Joined Feb 2018
ShrewdCabbage687Oct 5, 2023 5:22 PM
5 Comments
How this is better than if i invested in T-bill for 52 week with 5.488%(rate as of 10/5/23) just payed fed tax no state or local tax where as with CD state and local plus fed tax? something to think about
Oct 5, 2023 5:26 PM
52 Comments
Joined Sep 2019
MadOxOct 5, 2023 5:26 PM
52 Comments
Quote from TheTomSawyer :
What's maximum?
I don't think there is a limit maximum amount you could put in there, but I'll not go over $250k because FDIC insured up to 250k.
Oct 5, 2023 5:27 PM
6.4K Comments
Joined Oct 2010
YanksIn2009Oct 5, 2023 5:27 PM
6.4K Comments
Quote from rhaxter :
I disagree; people have different financial goals. I bond Rates have fallen, but the November rate is expected to be around 4.5 percent, which is higher than the current I bond rate. And the November rate has a fixed rate projection of around 1.5 percent, which may be worth considering if you are planning to hold long term.

17 and 26 week T-Bills are at about 5.5% and likely headed somewhat higher. Until we reach the point where rates start to decline (not likely anytime soon imo), there is no reason to chase long term I-bonds or CDs imo. I-bonds time has passed since they are not returning as much as T-bills (or money markets at this point). If you don't need the liquidity, buying 17 or 26 week T-bills (which are state and local tax free if you live in a state with an income tax) are the better investment. Set up a T-bill ladder and auto renewals and you can just sit back and let them make money for you risk free until such time as you see interest rates about to fall and then you look to lock in some longer term CDs.

My 2 cents.
Oct 5, 2023 5:29 PM
5 Comments
Joined Feb 2018
ShrewdCabbage687Oct 5, 2023 5:29 PM
5 Comments
How this is better than if i invested in T-bill for 52 week with 5.488%(rate as of 10/5/23) just payed fed tax no state or local tax where as with CD state and local plus fed tax? something to think about
2

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Oct 5, 2023 5:37 PM
6.4K Comments
Joined Oct 2010
YanksIn2009Oct 5, 2023 5:37 PM
6.4K Comments
Quote from ShrewdCabbage687 :
How this is better than if i invested in T-bill for 52 week with 5.488%(rate as of 10/5/23) just payed fed tax no state or local tax where as with CD state and local plus fed tax? something to think about
Likely isn't unless you live in a free state with no income tax like Florida or Texas and figure rates are not headed up much more in the next year. Even then, it is marginal at best and likely not worth your effort imo.

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