CERTIFICATES

Good Things Come to Those Who Wait.

As a not-for-profit, we are able to extend dividend rates that often surpass those from big banks. It’ll be worth the wait. It’s True.

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How Certificates Work.

Certificates deliver a high yield based on the term you select. It could be that you save a certain deposited amount for a 3-month term… or anywhere up to 60-months – and your generous rate is based on that term. Make sense?

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  • New rates & “specials” pop up all the time, so ask us to keep you in the loop on great opportunities.
  • Dividends are compounded and credited at the end of each quarter and at maturity.1
  • A minimum opening deposit for some Certificates can be as low as $500.2
  • Know that it’s best to leave that Certificate deposit in for the full term to avoid any unnecessary fees.
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With so many ways to save, there's no wrong choice.

Savings

Money Market

Watch your money grow faster with the higher yields of a money market account. It’ll take a little bigger deposit, but boy it's worth it.

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Savings

IRAs

You’re never too young to prepare for retirement, and TruStone is at your side to plan and achieve your goals for the golden years.

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Savings

Savings

You’ve come to the right place for fantastic ways to save your dough – whether it’s for rainy days, an upcoming purchase or the long haul. It's True.

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1DIVIDEND 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.

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.

2CERTIFICATE 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

  • Special Certificates 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..
  • 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.
  • 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.

3Credit Monitoring and Score are for informational and educational purposes only. There are various types of credit scores, and TruStone may use a different type of credit score to make lending decisions.