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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
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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.
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119 Comments

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Oct 22, 2023 6:41 AM
61 Comments
Joined Nov 2018
TerryN5946Oct 22, 2023 6:41 AM
61 Comments
Quote from GhostNoteSymphonies :
How can I prove that I worship in one of these states? Anyone know if a registry you can join for proof?
I'd ask your pastor/minister/etc to write and sign a brief statement to the effect on church/synagogue/etc letterhead. Could even email them some proposed text with your request to make it as easy as possible.
Oct 22, 2023 6:49 AM
61 Comments
Joined Nov 2018
TerryN5946Oct 22, 2023 6:49 AM
61 Comments
Quote from subcu :
Applause
But I do not understand why this is an issue. If I can open a CD or Savings account. How do they see this as negative? It is not a Credit card where I am taking money, but I am putting my own money
The reason some financial institutions care about your account history elsewhere when you're only trying to deposit money with them is that they're sometimes offering an unusually high interest rate to try to attract new customers. Basically, if based on your account history you look like a slickdealer who'll drop them like a rock as soon as someone else offers you a higher interest rate, they may not want to "waste" their promotional expense (in the form of that higher interest paid) on you. People who tend to keep using a financial institution for a long time are their ideal catch. They're onto us! 😆
Last edited by TerryN5946 October 22, 2023 at 12:00 AM.
Oct 22, 2023 1:02 PM
1.1K Comments
Joined Apr 2017
publicpersonaOct 22, 2023 1:02 PM
1.1K Comments
Quote from TerryN5946 :
The banks of those 8+ accounts could simply not require a Chex report.
Yes. My point exactly.
Oct 22, 2023 1:07 PM
1.1K Comments
Joined Apr 2017
publicpersonaOct 22, 2023 1:07 PM
1.1K Comments
Quote from steveliv :
No, there is no credit check involved with opening this CD and required bank account (or any other bank account).
There is no hard pull for Trulient and this CD/account, but the statement that there is no hard pull for any other bank account is not correct.

While you would think this should be the case, reality is that some financial institutions do a hard pull. https://www.doctorofcredit.com/ba...hard-pull/
Oct 24, 2023 4:27 PM
74 Comments
Joined Jun 2017
CharlotteMav44Oct 24, 2023 4:27 PM
74 Comments
Anyone knows what this means? I never had an application denied before and have 800+ credit score. I am based in NC.

Thank you for your interest in Truliant. Your application for membership was carefully considered, and unfortunately, we are unable to grant your request at this time. As a result, we will not be processing the funding request you provided.

This decision is based in whole or in part on information obtained in a consumer report. For further information regarding our decision, please click here.
Oct 24, 2023 4:32 PM
1.2K Comments
Joined Mar 2008
DealHunterNYC212Oct 24, 2023 4:32 PM
1.2K Comments
Quote from catman17 :
How is this a slick deal if only a few people can get it? 🤔🤔
You sound salty. It's the same as any other YMMV deal, or a Costco deal.
Oct 24, 2023 6:06 PM
201 Comments
Joined May 2007
subcuOct 24, 2023 6:06 PM
201 Comments
Quote from charlottenagpal :
Anyone knows what this means? I never had an application denied before and have 800+ credit score. I am based in NC.

Thank you for your interest in Truliant. Your application for membership was carefully considered, and unfortunately, we are unable to grant your request at this time. As a result, we will not be processing the funding request you provided.

This decision is based in whole or in part on information obtained in a consumer report. For further information regarding our decision, please click here.
Call them. It may be simply the chex system could not verify. Happened to me. The DL back side had a lighting glare and could not understand some key info. Had to redo the application and uploaded a better copy of DL and now I could open the CD. Good luck

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Oct 24, 2023 6:11 PM
74 Comments
Joined Jun 2017
CharlotteMav44Oct 24, 2023 6:11 PM
74 Comments
Quote from subcu :
Call them. It may be simply the chex system could not verify. Happened to me. The DL back side had a lighting glare and could not understand some key info. Had to redo the application and uploaded a better copy of DL and now I could open the CD. Good luck
Thanks! I got an email later that it was approved. Not sure what happened.
Oct 25, 2023 3:45 PM
1.8K Comments
Joined Mar 2006
stevelivOct 25, 2023 3:45 PM
1.8K Comments
Quote from TerryN5946 :
I'd ask your pastor/minister/etc to write and sign a brief statement to the effect on church/synagogue/etc letterhead. Could even email them some proposed text with your request to make it as easy as possible.
If you simply live in one of the listed states, you don't need to do anything other than use your address when applying and supplying your drivers license details...
1
Oct 25, 2023 3:49 PM
1.8K Comments
Joined Mar 2006
stevelivOct 25, 2023 3:49 PM
1.8K Comments
Quote from GhostNoteSymphonies :
How can I prove that I worship in one of these states? Anyone know if a registry you can join for proof?
If you simply live in one of the listed states, you don't need to do anything other than use your address when applying and supplying your drivers license details...
1
Oct 25, 2023 5:35 PM
620 Comments
Joined Jan 2018
GhostNoteSymphoniesOct 25, 2023 5:35 PM
620 Comments
Quote from steveliv :
If you simply live in one of the listed states, you don't need to do anything other than use your address when applying and supplying your drivers license details...
I live in a different state, but I'm wondering if it's possible to show remote worship to get in.
Oct 25, 2023 5:51 PM
3.8K Comments
Joined Aug 2005
labboyproOct 25, 2023 5:51 PM
3.8K Comments
Quote from GhostNoteSymphonies :
I live in a different state, but I'm wondering if it's possible to show remote worship to get in.
Be the datapoint you want to see.
1
Oct 25, 2023 6:06 PM
373 Comments
Joined Jun 2014
mevorabuddyOct 25, 2023 6:06 PM
373 Comments
Off topic : Has any one considered or purchased Country bonds ? Alot of countries offer 10% yields. I couldn't figure out the way to purchase
Oct 27, 2023 8:59 PM
2.1K Comments
Joined Jul 2008
screenshotOct 27, 2023 8:59 PM
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