HOLIDAY CLOSING : All Truliant locations will be closed on Monday, January 21, 2019 for Martin Luther King, Jr. Day. All digital and phone tools are available. Our 24-hour loan line can be accessed at (800) 822-0382.
System Maintenance Notification: Due to system maintenance,  the Easy Deposit check deposit service, will be intermittently unavailable Sunday, March 10th beginning at 7:00am - 2:00pm ET.
GOVERNMENT SHUTDOWN: For members impacted by the government shutdown, we may be able to help. Please call us at 800-822-0382 or stop by a branch near you for more information.
personal savings


  • Choose your financial path with flexible IRA options: Traditional, Roth, SEP and Coverdell
  • Plan for a retirement that rewards the hard work and disciplined saving of today
  • Receive the support you need from Truliant to make the right decisions for a more secure future
  • Product Details
  • Fees and Terms
  • Reviews
  • Limited-Time Flex Certificate Specials!

    Account TypeAnnual Percentage YieldDividendMin. Balance
    25 month Flex (with 1x rate increase option)*2.50%2.47%$1,000.00
    13 month Flex (with 1x rate increase option)*2.25%2.23%$1,000.00
    *  Penalty for early withdrawal. Limited-time offer. Special requires a minimum deposit of $1,000 from funds not currently on deposit at Truliant. One-time rate increase option will match certificate's current advertised rate up to 1%. Federal law may require substantial tax penalty for withdrawal from an IRA.
  • IRA Select Money Market

    • $10 monthly fee if balance drops below $1,000

    IRA Certificates

    • Early withdrawal fees apply 
  • 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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How would you categorize the concept of your retirement? A far-off dream? A nerve-wracking reality? Something you're actively planning for? If it's not the last one, allow us to change your thinking. Truliant’s Individual Retirement Accounts (IRAs) are designed to help you save consistently over time for future use. They’re a great way to save for retirement or pay for a college education. We offer multiple options that are free of maintenance fees and feature various tax advantages1 while earning dividends with interest posted every month. You can set up recurring automatic deposits and our Member Service Specialists are always available to help you. 

Truliant offers the following IRA products:

  • Traditional IRA (Contributions may be tax-deductible and earnings grow tax-deferred until withdrawn)
  • Roth IRA (Contributions are made with after tax money, allowing for possible tax-deferred growth of earnings)
  • Simplified Employee Pension Plan (SEP) (A tax-deferred retirement plan for self-employed individuals and small-business owners)
  • Coverdell Savings (An IRA account designed to save for a child’s qualified educational expenses while providing possible tax-deferred growth of earnings)

We encourage you to speak with your tax professional for the latest information regarding the tax benefit of contributions and distributions. In addition, Truliant offers our member-owners the following alternatives:

IRA Savings

  • We've waived the minimum balance requirement to allow greater access to our member-owners 

IRA Select Money Market

  • Open with a $1,000 minimum balance (See the Fees and Terms tab)

IRA Certificates2

  • Open with a $250 minimum balance (See the Fees and Terms tab)

IRA Investments

  • Stocks, bonds, mutual funds, annuities, and other investment products
  • Available through Truliant Financial Advisors3

Ready to Apply?

When you’re striving to reach your goals, Truliant can help you achieve them as your financial partner. Contact us to choose one or more of our IRA options and start securing your financial future. Or feel free to visit one of our Member Financial Centers in North Carolina, South Carolina and Virginia. Truliant is committed to providing the products and services members need to strengthen their finances and improve their lives.

* You may increase your dividend to the rate in effect at the time of your request, one time prior to maturity, not to exceed 1% above the original rate.

(1) Speak with your tax advisor for advice and additional information on your personal needs. (2) Penalty for early withdrawal. Speak with a Truliant representative for details. (3) Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member 
FINRA/SIPC , a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. FR-1686173.1-0117-0219.