Truliant acknowledges that some people do not want their money locked away in a certificate of deposit. After all, most banks, including Truliant, have a penalty for early withdrawal. Instead, Truliant encourages customers to “ladder” CD rates

While you can schedule an appointment to discuss this in further detail, the concept involves opening up several smaller CDs for shorter periods instead of keeping your money in a longer-term certificate of deposit. 

You’ll have quicker access to funds and get the same or similar return on investment. Let’s explore the horizon of certificate of deposits in the section next;

Truliant CD Rates Offers

Truliant offers flex certificates which can have additional deposits as well as a one-time rate increase when interest rates go up. the considerable offers are;

11-Month Certificate Special

  • APY: 5.00%
  • Minimum Deposit: $5,000
  • Consideration:
    • Ideal for short-term savings goals.
    • Attractive APY for an 11-month term.

Pros & Cons

High APY 5.00%Minimum deposit of $5,000 required

17-Month Certificate Special

  • APY: 4.90%
  • Minimum Deposit: $5,000
  • Consideration:
    • Slightly longer term with a competitive APY.
    • Suited for mid-range savings goals.

Pros & Cons

Mid-range savings termNo specified maximum deposit

25-Month Certificate Special

  • APY: 4.80%
  • Minimum Deposit: $5,000
  • Consideration:
    • Longer-term option with a solid APY.
    • Suitable for those with a more extended savings horizon.

Pros & Cons

Extended savings horizonNo specified maximum deposit

8-Month Certificate Special

  • APY: 4.50%*
  • Minimum Deposit: $5,000*
  • Consideration:
    • Short-term with a competitive APY and the flexibility of penalty-free withdrawals.

Pros & Cons

Short-term with penalty-free withdrawalsMaximum deposit not aligned

Are Truliant CD Rates Competitive?

Truliant’s Certificate of Deposit rates demonstrate a competitive edge in the market, particularly through their high Annual Percentage Yields.

  • The 11 Month Certificate Special, with an impressive 5.00% APY, along with the 17 Month and 25 Month Certificate Specials boasting 4.90% and 4.80% APY respectively, positions Truliant as an attractive option for individuals seeking robust returns on their short to mid-term investments.
  • The 8-Month Penalty-Free Certificate Special, despite a slightly lower APY at 4.50%*, stands out with the added flexibility of penalty-free withdrawals, contributing to its competitiveness.

The significance of these high APY terms lies in their potential to outpace inflation and offer a superior return on investment compared to traditional savings accounts. 

These CD rates underscore a commitment to providing competitive and rewarding options for savers, making them a noteworthy choice in the financial landscape.

Overview Truliant

Truliant was chartered in 1952 to serve the employees of Western Electric. Over time, we grew from 2,000 members to more than 250,000.

Truliant is a strong supporter of community events. We believe we are here to serve the community and reflect that through our events. 

We offer a Community Shred Day, in which our customers and citizens can come in to shred any paperwork that could pose a potential identity theft risk if thrown away in regular sheets. Identity theft is something we deal with every day, and it takes a toll on the time of energy of our customers.

We also strive to offer the financial education our customers need to make informed decisions about money and finances. 

Our bankers can help you decide on the right investment accounts for retirement and education, as well as with loans and the safekeeping of your money. Our care for the community starts with people being able to grow their wealth and keep it safe.


In order to open a certificate of deposit with Truliant, we’ll make you a member of our credit union first, then open a checking and savings account for you. You can then transfer money in and have the interest deposited into those accounts too.

Locations Truliant 

Most of our locations are in North Carolina with a higher concentration on Charlotte. Our 13 branches are relatively close to one another and ready to serve our members. We also offer a surcharge-free ATM network.

Frequently Asked Questions

What is the minimum deposit for Truliant’s 11-Month Certificate Special?

The minimum deposit for the 11-Month Certificate Special is $5,000.

Is the 8-Month Penalty-Free Certificate Special exclusive to new deposits?

Yes, the 8-Month Penalty-Free Certificate Special is designed for new deposits.

Are there penalties for early withdrawals from Truliant’s 8-Month Certificate Special?

No, the 8-Month Penalty-Free Certificate Special allows penalty-free withdrawals.

Is there a maximum deposit limit for Truliant’s 17-Month Certificate Special?

There is no specified maximum deposit limit for the 17-Month Certificate Special.