Personal Account Rates
Printable Version- Savings: Share Account1
- Savings: Sub-Share Account
- Savings: Holiday Helper Account2
- Savings: Summertime Savings2
- Savings: MoneyFund Account3
- Savings: WealthBuilder Account3
- Savings: IRA Daily (Traditional and Roth)2**
- Savings: MoneyWise Share Account2
- Savings: MoneyWise MoneyFund Account3
- Checking Account
- Health Savings Account
- Certificates and IRAs
- Fees
- Disclosures
Savings: Share Account1
Effective May 1, 2010 |
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Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$10 |
$0 - $499.99 |
.15% |
.15% |
|
$500 and up |
.30% |
.30% |
Savings: Sub-Share Account (Secondary Savings)
Effective May 1, 2010 |
|||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$10 |
$0 - $499.99 |
.15% |
.15% |
|
$500 and up |
.30% |
.30% |
Savings: Holiday Helper Account
Effective May 1, 2010 |
|||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$10 |
$0 - $499.99 |
.15% |
.15% |
|
$500 and up |
.30% |
.30% |
Savings: Summertime Savings2
Effective May 1, 2010 |
|||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$10 |
$0 - $499.99 |
.15% |
.15% |
|
$500 and up |
.30% |
.30% |
Savings: MoneyWise Share2 Account (under the age of 18)
Effective May 1, 2010 |
|||
Minimum. Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$10 |
$0 and up |
.50% |
.50% |
Savings: MoneyWise MoneyFund Account3 (under the age of 18)
Effective May 1, 2010 |
|||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$500 |
$0 - $499.99 |
.15% |
.15% |
|
$500 - $9,999.99 |
.45% |
.45% |
|
$10,000 - $24,999.99 |
.60% |
.60% |
|
$25,000 and up |
.80% |
.80% |
Savings: MoneyFund Account3
Effective May 1, 2010 |
|||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$2,500 |
$0 - $499.99 |
.15% |
.15% |
|
$500 - $2,499.99 |
.30% |
.30% |
|
$2,500 - $9,999.99 |
.45% |
.45% |
|
$10,000 - $24,999.99 |
.60% |
.60% |
|
$25,000 - $49,999.99 |
.80% |
.80% |
|
$50,000 and up |
1.00% |
1.01% |
Savings: WealthBuilder Account3
Effective May 1, 2010 |
|||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
$100,000 |
$0 - $499.99 |
.15% |
.15% |
|
$500 - $2,499.99 |
.30% |
.30% |
|
$2,500 - $9,999.99 |
.45% |
.45% |
|
$10,000 - $24,999.99 |
.60% |
.60% |
|
$25,000 - $49,999.99 |
.80% |
.80% |
|
$50,0000 - $99,999.99 |
1.00% |
1.01% |
|
$100,000 - $249,999.99 |
1.10% |
1.11% |
|
$250,000 - $499,999.99 |
1.10% |
1.11% |
|
$500,000 - $999,999.99 |
1.10% |
1.11% |
|
$1,000,000 and up |
1.10% |
1.11% |
Savings: IRA Daily Account2
Effective May 1, 2010 |
|||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
None |
None |
1.10% |
1.10% |
Checking Account4
Effective May 1, 2010 |
||||
Account Type |
Minimum Deposit to Open |
Monthly Service Fee |
Dividend Rate |
APY* |
Value Checking |
$25 |
None |
0% |
0% |
Reward Checking3 |
$300 |
$5 |
.15% |
.15% |
RewardPlus Checking3 |
$1000 |
$10 |
.30% |
.30% |
Health Savings Account3
Effective May 1, 2010 |
||||
Minimum Deposit to Open |
Daily Minimum Balance to Obtain APY |
Dividend Rate |
APY* |
|
None |
$0 - $499.99 |
.15% |
.15% |
|
|
$500 - $2,499.99 |
.30% |
.30% |
|
|
$2,500- $4,999.99 |
.45% |
.45% |
|
|
$5,000 & over |
.60% |
.60% |
|
*APY = Annual Percentage Yield
**Available in Traditional and Roth accounts.
DIVIDEND INFORMATION: Balance computation method — Dividends are calculated by the daily balance method with applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash deposits — Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account. Nature of dividends — Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Affects of account closing — If you close your account before dividends are paid, you will receive the accrued dividends.
These are prospective dividend rates and anticipated Annual Percentage Yields (APY) for the current dividend period and may change at any time without limitations as determined by the TruStone Board of Directors. To confirm the current rates, call 763.591.4949 or 800.343.8328
TRANSACTION LIMITATIONS FOR ALL SAVINGS ACCOUNTS: Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your saving account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings to any other account (including transfers made using Telexpress and the fax machine,) preauthorized payments from savings, transfers from savings to any other account using Personal Access Home Banking.
Regulation D allows unlimited transfers to withdrawals from a saving account when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the member. Transfers to repay loans at the credit union and to pay safe deposit box rent are also unlimited.
- The minimum deposit to open this account and maintain membership is the purchase of a $10 share in TruStone Financial.
- For these account types, the dividend period is quarterly; for example the first dividend period of the calendar year is January 1 through March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for example is March 31.
- For these account types, the dividend period is monthly; for example, the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for example is January 31.
- The above are prospective dividend rates and anticipated Annual Percentage Yields (APY). They are effective for the current dividend period and may change at any time without limitation as determined by the TruStone Financial Board of Directors. Rates may change after the account is opened. Fees or other conditions could reduce earnings.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.