RATES
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*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 763.542.4200 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.
**APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts. Rates subject to change. TruStone Financial membership required.
TruRate Checking
To earn the highest yield, member must maintain active TruStone Visa credit and debit cards with 12 combined transactions per month and enroll in eStatements. If any of the requirements are not met in a given month, the APY drops to 0.10% APY on all balances. A $20 monthly fee will be assessed if the daily balance falls below $2,000. For complete details of this checking account, speak with a TruStone Financial banker. Limit one account per household. TruRate Checking is not available for trust of business accounts.
IDProtect benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members or schools and their employees/students. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
Health Savings Account
For specific information, seek advice from your tax or legal professional. Maximum contribution limits set by Internal Revenue Service (IRS). Must have High Deductible Health Plan.
MoneyWise Checking
Account is for members aged 13-17 years old looking to start a checking account. Parent or Guardian 18+ must open and be on the account. Digital Banking access offered with limited/restricted mobile deposits. Account converts to Value checking after 18th birthday of primary member.
*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 763.542.4200 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.
**APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts. Rates subject to change. TruStone Financial membership required.
Primary Share
The minimum deposit to open a Primary Share and maintain membership is the purchase of a $5 share in TruStone Financial. No monthly maintenance fee.
MoneyWise Primary Share (Youth)
The minimum deposit to open a Primary Share and maintain membership is the purchase of a $5 share in TruStone Financial. No monthly maintenance fee. MoneyWise accounts are available to those under 18 years of age and will convert to the terms of a regular Primary Share when the primary member becomes 18 years old. Parent or Guardian 18+ must open and be on the account. Allow up to 30 days for funds to be deposited. Accounts closed within six months may forfeit funds. Offer subject to change.
*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 763.542.4200 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.
**APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts. Rates subject to change. TruStone Financial membership required.
MoneyWise Money Market
No monthly maintenance fee. MoneyWise accounts are available to those under 18 years of age and will convert to the terms of a regular Money Market when the primary member becomes 18 years old. Parent or Guardian 18+ must open and be on the account.
Certificates & Individual Retirement Accounts (IRA)3
*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. Withdrawal of dividends prior to maturity – The APY assumes that dividends will remain in your account until maturity. A withdrawal will reduce earnings. 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 763.542.4200 or 800.343.8328. The dividend rates on certificates will be in effect until the maturity date.
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 pattern of dates. The dividend declaration date is the ending date of a dividend period, such as March 31. Dividend rates on certificates will be in effect until the maturity date. Dividends are no longer paid on nonrenewable certificates after maturity.
**APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts. TruStone Financial membership required. The APY assumes that dividends will remain in your account until maturity. 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 six calendar days after the account is opened, a penalty of at least seven days dividends will be assessed.
CERTIFICATE INFORMATION: The required minimum balance to open a certificate is $500, unless otherwise noted. Automatically renewable certificates have a 10-business day grace period after the maturity date to withdraw funds or close the account without being assessed an early withdrawal penalty. Accrued dividends will be paid during the grace period. Automatically renewable certificates will be renewed at maturity for the same term as the original, unless otherwise noted. The new certificates will also be automatically renewable.
1) Special Certificates (when offered) 7-, 13-, 20- and 30-month: The minimum balance to open, when offered, is $2,500, and at least 50% of the total deposit must be new money not on deposit with TruStone Financial. 7-month certificates will automatically renew as a 6-month certificate. 13 and 20-month certificates will automatically renew as a 12-month certificate, 30-month certificates will automatically renew as a 24-month certificate. The new certificates will also be renewable.
2) MoneyWise Certificate 12-month: If you are under age 18, the minimum balance to open a MoneyWise certificate is $25. Additional deposits may be made throughout the term of the MoneyWise certificate only. The MoneyWise certificate will be converted to a regular 12-month certificate on the maturity date immediately following the 18th birthday of the primary member.
3) IRA Certificate: If the account is part of an IRA, see your plan disclosure for details on penalty exceptions. IRA certificates are not available on terms less than 12-months.
All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.