DELAYED OPENING: On Thursday, January 4, 2018, Truliant’s Alamance County, Asheboro, N.C. and Richmond, Va. locations will open at 10 a.m. due to inclement weather. All other locations will have normal business hours. You can still pay bills, transfer funds, apply for loans and more using Truliant’s Tru2Go online tools.
Delayed Opening: On Friday, Jan. 19, 2018, all North Carolina Truliant locations will open at 10 a.m. due to snow conditions. Truliant's Virginia and Greenville, S.C. locations will open with regular hours. You can also pay bills or transfer funds by using our Tru2Go online tools: Apply for loans by calling our 24-hour loan line at 855.293.2957 or by visiting our loan application page.
personal savings


  • Enrich your future with fixed, guaranteed returns on your investment
  • Certificates mature at different times to give you flexibility 
  • Create a laddering strategy for steady income and more peace of mind
  • Unlike other financial institutions, Truliant allows members to make scheduled deposits to certificates throughout the term!
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  • Product Details
  • Certificate Laddering
  • Fees and Terms
  • Reviews
  • Looking for the highest returns on a deposit account? Truliant's certificates are your perfect investment solution, with fixed dividends and flexible terms. Watch your savings grow over time with interest posted every month. At the end of the certificate's term, you're rewarded with additional income that you can reinvest in another certificate or withdraw to easily cover expenses. 

    Unlike most institutions, we allow you to make scheduled deposits to certificates throughout the term for even better financial results. Truliant offers additional certificate options to help you find the perfect fit for your lifestyle and financial needs. 

    Regular Certificates 

    • Flexible terms range from 3 to 60 months let you grow your savings up to the point you need the money
    • Open one with a $250 deposit and start building toward a more secure future

    14-Month Certificates

    • Allows you to make a one-time withdrawal penalty-free after the first 60 days

    24-Month Flex Certificates 

    • Allows you to make over-the-counter deposits anytime for greater convenience 
    • Grow your savings even more by requesting a one-time rate increase that will match the certificate’s current advertised rate, up to 1%

    48-Month Certificates 

    • Offers long-term growth at a higher rate

    Dollar Dog Certificate

    • An ideal way to introduce children and young adults to the savings power of certificates, but available to member-owners of all ages
    • Features a lower minimum deposit ($100) for greater access to our member-owners 
    • Comes with a 24-month term and allows convenient over-the-counter deposits of $5 or more whenever you have extra money to save 

    Ready to Apply?

    When you're striving to reach your goals, Truliant helps you achieve them as your financial partner. To become a member, simply open a Membership Savings Account. This can be done online or at any of our Member Financial Centers. All members can open select Certificates online or any certificates we offer by visiting one of our Member Financial Centers in North Carolina, South Carolina and Virginia or by calling our Member Contact Center at 800.822.0382. Truliant is committed to providing the products and services members need to strengthen their finances and improve their lives.

    View our rates page for our latest deposit rates. Truliant is federally insured by NCUA. (1) APY = Annual Percentage Yield. 

  • Truliant helps you diversify your savings and investment portfolio with a laddering strategy that allows you to earn competitive rates while structuring your certificates so one is maturing every several months. This is a sensible way to invest extra money that you don't need to use immediately. 

    Laddering provides a steady source of money that is always growing at a fixed rate. You will never lose money on a Truliant certificate and the certificate is guaranteed to be more valuable once it matures. How's that for peace of mind and financial predictability? 

    CD Term Starting Amount Open Date Maturity Date
    6-month $2,500 11/1/2015 5/1/2016
    12-month $2,500 11/1/2015 11/1/2016
    24-month $2,500 11/1/2015 11/1/2017
    36-month $2,500 11/1/2015 11/1/2018
  • There are no maintenance fees associated with our certificates. However, an early withdrawal penalty applies if you take cash out of a certificate before its term is up:

    • Term of 3-6 months: 90 days of dividends or dividends since opening/renewal, whichever is less
    • Term of 12-36 months: 180 days of dividends or dividends since opening/renewal, whichever is less
    • Term of 48-60 months: 365 days of dividends or dividends since opening/renewal, whichever is less 

    Once your certificate's term is complete, you can withdraw your money without a penalty if you do so within seven calendar days. Certificates will renew automatically if you do not withdraw your money.

  • The most important feedback we get comes from our member-owners. We’re interested in hearing about your experience with Truliant’s products and services. Please provide a detailed review of your experience with this product. Our goal is to provide you with superior service, so you can focus on what really matters.
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