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Deposit Rates

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We're here to help you grow financially, and that includes offering competitive rates for your checking and savings accounts. See our full rate sheet and fee schedule for more information.

Savings Accounts

Effective October 1, 2021 (rates subject to change)
Minimum Opening Deposit Dividend Rate Annual Percentage Yield (APY)*
Primary Share Savings $5 0.10% 0.10%
MoneyWise Primary Share (Youth) $5 0.30% 0.30%
Sub Share Savings $0 0.10% 0.10%

*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts.

DIVIDEND INFORMATION:
Balance computation method — Dividends are calculated by the daily balance method which 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. Compounding and frequency - Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. Effects 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

The minimum deposit to open a Primary Share and maintain membership is the purchase of a $5 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: for example, March 31.

 

Money Market Accounts

Prospective for October 1, 2021 (rates subject to change)
Tier Minimum Opening Deposit Dividend Rate Annual Percentage Yield (APY)*
Money Market Tier I: $.01 to $9,999.99 $2,500 0.20% 0.20%
Tier II: $10,000 to $24,999.99 $2,500 0.25% 0.25%
Tier III: $25,000 to $49,999.99 $2,500 0.30% 0.30%
Tier IV: $50,000 to $99,999.99 $2,500 0.35% 0.35%
Tier V: $100,000 - $249,999.99 $2,500 0.40% 0.40%
Tier VI: $250,000+ $2,500 0.50% 0.50%
MoneyWise Money Market (Youth) Tier I: $0 - $499.99 $500 0.30% 0.30%
Tier II: $500 - $9,999.99 $500 0.35% 0.35%
Tier III: $10,000 - $24,999.99 $500 0.45% 0.45%
Tier IV: $25,000+ $500 0.60% 0.60%

*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts.

DIVIDEND INFORMATION:
Balance computation method — Dividends are calculated by the daily balance method which 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. Compounding and frequency - Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. Effects 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

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: for example, January 31.


 

Savings Certificates

Effective October 1, 2021 (rates subject to change)
Dividend Rate Annual Percentage Yield (APY)*
3 month 0.30% 0.30%
6 month 0.35% 0.35%
12 month 0.55% 0.55%
24 month 0.65% 0.65%
36 month 0.85% 0.85%
48 month 1.00% 1.00%
60 month 1.15% 1.15%

*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts. TruStone Financial membership required.

CERTIFICATE INFORMATION: Minimum Balance - Minimum balance to open a certificate is $500. If you are under age 18, the minimum balance to open a 12 month MoneyWise Certificate is $25. Renewal Policy – Automatically renewable certificate accounts will have up to a 10-business-day grace period after the maturity date to withdraw or close the account. Accrued dividends will be paid during the 10-day grace period. For certificate accounts that do not automatically renew at maturity, dividends will no longer be paid. Early withdrawal penalties – Penalties may be imposed if you withdraw any of the principal in your account before the maturity date. The penalty will equal 90 days’ dividends on your account if the original term is one year or less. The penalty will equal 365 days’ dividends on your account if the original term is greater than one year. If a certificate is withdrawn within 6 calendar days after the account is opened, a penalty of at least 7 days’ dividends will be assessed. If the account is part of an IRA, see your plan disclosure for details on penalty exceptions.

DIVIDEND INFORMATION: Balance computation method – Dividends are calculated by the daily balance method which 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. Compounding and crediting frequency – Dividends will be compounded and credited at the end of the calendar quarter and on the maturity date of your certificate. On certificate terms of 12 months or longer, dividends can be paid out to you monthly or quarterly. Withdrawal of dividends prior to maturity – The APY assumes that dividends will remain in your account until maturity. A withdrawal will reduce earnings.

RATE INFORMATION: 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. The dividend rates on certificates will be in effect until the maturity date.


Traditional and Roth Individual Retirement Accounts (IRA)

Effective October 1, 2021 (rates subject to change)
Minimum Opening Deposit Dividend Rate Annual Percentage Yield (APY)*
None 0.40% 0.40%

*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts.

DIVIDEND INFORMATION: Balance computation method — Dividends are calculated by the daily balance method which 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. Compounding and frequency - Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. Effects 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

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: for example, March 31.


 

Personal Checking

Prospective for October 1, 2021 (rates subject to change)
Minimum Opening Deposit Maintenance Fee/ Minimum Balance Dividend Rate Annual Percentage Yield (APY)
Value Checking $25 $0 0.00% 0.00%
Premium Checking $300 $5 if less than $300 daily minimum balance 0.10% 0.10%
TruRate Checking:
- Tier I: $0.00-20,000 $2,000 $20 if less than $2,000 minimum balance 2.00% 2.02% (when requirements are met)
- Tier II: $20,000.01 and over $2,000 $20 if less than $2,000 minimum balance 0.10% 0.10% (when requirements are met)
Health Savings Account (Checking):
- Tier I: $0 - $ 499.99 $0 $0 0.10% 0.10%
- Tier II: $500 - $2,499.99 $0 $0 0.20% 0.20%
- Tier III: $2,500 - $4999.99 $0 $0 0.20% 0.20%
- Tier IV: $5,000 and greater $0 $0 0.30% 0.30%
MoneyWise Checking $5 $0 0.00% 0.00%

Rates & Service Prices
See Rates & Service Prices and Member Service Agreement for full details. APY = Annual Percentage Yield. All rates subject to change monthly. Service charges may reduce earnings. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.
 

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

Great neighborhood credit union savings rates.

TruStone Financial helps you save more money with savings rates that benefit you. We offer full banking services and ATM access for your convenience while helping you open new accounts and loans, apply for mortgages, access wealth management services and strengthen your business with the right solutions.