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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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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
461 Posts
141 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
4735 Posts
861 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 09, 2023 06:11 AM
345 Posts
Joined Nov 2009
madmallardOct 09, 2023 06:11 AM
345 Posts
Quote from SirMarvinHaggler :
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.
yes but don't most of those require you to make consistent direct deposits, either to get the high interest, or just as terms of the account?
Oct 09, 2023 11:59 AM
907 Posts
Joined Dec 2004
jdixonOct 09, 2023 11:59 AM
907 Posts
Quote from BlitzAction :
I found it easy, and money transfer uses Plaid, so that is also easy
I want to deposit money from more than one external account into a single certificate. When I went through the online application, it seemed to be 1-for-1, which I don't prefer. Did you do a 1-for-1 or a (2+)-for-1 to establish your CD?
Oct 09, 2023 01:02 PM
684 Posts
Joined Apr 2012
BlitzActionOct 09, 2023 01:02 PM
684 Posts
I did a 1for1, so I'll likely open other CDs from other accounts
Oct 09, 2023 07:19 PM
1,827 Posts
Joined Mar 2006
stevelivOct 09, 2023 07:19 PM
1,827 Posts
After completing application i received a page that said they were reviewing my application. Is that normal?
Oct 10, 2023 01:16 PM
1,013 Posts
Joined Apr 2017
publicpersonaOct 10, 2023 01:16 PM
1,013 Posts
Quote from steveliv :
After completing application i received a page that said they were reviewing my application. Is that normal?
They do check ChexSystems so that may have triggered something. My application for membership was declined until I put a temporary thaw on my ChexSystems record.
Oct 10, 2023 01:24 PM
684 Posts
Joined Apr 2012
BlitzActionOct 10, 2023 01:24 PM
684 Posts
My application review took a day before approval. Oddly enough I see that my account is now funded, but the money was never taken out of the funding account.
Oct 10, 2023 02:45 PM
1,827 Posts
Joined Mar 2006
stevelivOct 10, 2023 02:45 PM
1,827 Posts
Quote from publicpersona :
They do check ChexSystems so that may have triggered something. My application for membership was declined until I put a temporary thaw on my ChexSystems record.
Not aware of anything that would do that. Just tried to pull chex report but they are going to mail instead of being able to view online..

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Oct 10, 2023 04:07 PM
4,016 Posts
Joined Jul 2019
Gb1908Oct 10, 2023 04:07 PM
4,016 Posts
Any without a hoop to jump through?
Oct 10, 2023 04:54 PM
1,827 Posts
Joined Mar 2006
stevelivOct 10, 2023 04:54 PM
1,827 Posts
The initially rejected my application due to ChexSystems, however when i called and spoke with a rep, they said it was an error and then they approved my app. just waiting on account open email now.

UPDATE: I'm in! I am also seeing the CD funded, but sometimes it take a day for the ACH to complete.

Got a copy of my ChexSys report. Personal information was listed. Nothing under reported information. A ton of CreditKarma "Viewed by you" entries. Glad i called to get it sorted out.
Last edited by steveliv October 10, 2023 at 11:39 AM.
1
Oct 10, 2023 09:22 PM
1,013 Posts
Joined Apr 2017
publicpersonaOct 10, 2023 09:22 PM
1,013 Posts
Quote from steveliv :
The initially rejected my application due to ChexSystems, however when i called and spoke with a rep, they said it was an error and then they approved my app. just waiting on account open email now.

UPDATE: I'm in! I am also seeing the CD funded, but sometimes it take a day for the ACH to complete.

Got a copy of my ChexSys report. Personal information was listed. Nothing under reported information. A ton of CreditKarma "Viewed by you" entries. Glad i called to get it sorted out.
That may have been what happened to me as well. It certainly wasn't anything in my Chex record. Although my Chex had been frozen since 2017, I've opened up at least eight bank accounts since then without issue.
Oct 11, 2023 04:50 PM
2,113 Posts
Joined Jul 2008
screenshotOct 11, 2023 04:50 PM
2,113 Posts
Interest compounded daily or monthly?
Oct 12, 2023 04:24 PM
892 Posts
Joined Jun 2007
shahpOct 12, 2023 04:24 PM
892 Posts
Do we have to be a federal employee? I don't see any branches in GA. Has anyone from GA tried to enroll?
Oct 12, 2023 06:38 PM
89 Posts
Joined Nov 2006
CKUMOct 12, 2023 06:38 PM
89 Posts
Quote from DanRunsNYC :
Exactly my approach..Been putting any maturing CDs into T-bills at varying weeks and rolling them. What better way to make money off of our crumbling society and it's apparently crumbling better than ever.
Could someone provide the link to open an account to invest in T-bills? Appreciate any input to get started. Thanks in advance!
Oct 12, 2023 06:51 PM
287 Posts
Joined Sep 2008
AntoniusOct 12, 2023 06:51 PM
287 Posts
I am happy with the Credit Human 6% 17mo cd especially since it was nationally available for anyone.

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Oct 12, 2023 07:21 PM
3,815 Posts
Joined Aug 2005
labboyproOct 12, 2023 07:21 PM
3,815 Posts
Quote from CKUM :
Could someone provide the link to open an account to invest in T-bills? Appreciate any input to get started. Thanks in advance!

https://www.treasurydirect.gov/

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