Skip Navigation

Share Certificates

Guaranteed returns to hit your long-term savings goal.
Older couple dancing in kitchen

Enrich your future with fixed, guaranteed returns on your investment.

  • Watch savings grow over time
  • Add to certificates during its term
  • Create a laddering strategy for steady income
  • Tailor investments to match financial needs

Truliant Federal Credit Union certificates are a great way to earn more than the interest in a traditional checking, savings or money-market account.

Earn guaranteed returns, hassle-free.

  • Fixed dividends
  • Insured by the NCUA up to $250,000
  • Ladder certificates, so you have access to funds when you need them
  • Scheduled deposits available for even better results
  • Multiple options to suit your savings goals
  • Help me decide if certificates are right for me

What is a share certificate?

A share certificate is like a certificate of deposit, in which it offers much higher dividends than a simple savings account, but it is issued by a credit union. These certificates are open for a fixed period of time, and funds and dividends are inaccessible until that time period is satisfied.

Because certificates are insured through the NCUA, these are a common and secure way of investing.

What requirements are there when opening a certificate?

  1. Certificates require a minimum opening amount of $250.
  2. Money must remain within the certificate, and not withdrawn, for the duration of the certificate's term.
  3. Withdrawn certificate funds may incur a penalty fee.1

What certificate options does Truliant offer?

At Truliant, we know that when it comes to investing, there is no one-size-fits all. That's why we offer three different certificates to give you the versatility you're looking for whether you're opening your first certificate or are looking for a multi-certificate approach to investing.

Regular Certificates

When you open a term share certificate with Truliant, you have lots of options. We offer terms that range from three to 60 months, and you can open one with as little as $250. Our 14-month certificates even allow a one-time, penalty-free withdrawal after the first 60 days. We also offer 48-month and 60-month certificates for long-term growth at a higher rate.

Flex Certificates

Truliant Flex Certificates allow you to make over the counter deposits anytime for greater convenience. Additionally, you are eligible for a one-time rate bump up to 1% that will match the certificate’s current advertised rate. So, if our rates rise, yours does too.

Certificate Laddering

While share certificates do offer the highest interest rates among savings accounts, they do lock up your money for long periods of time. A certificate ladder is a way to set up multiple certificates with varying terms so that they mature at different intervals. This way, you’ll have access to your funds when you need them without sacrificing your long-term growth efforts.

How to Ladder Certificates

How to Ladder Certificates

When you want to save money, certificates are a great way to receive guaranteed returns for short- and long-term goals. By laddering your certificates, you can have quicker access to funds while continuing to grow your savings. 

We invite you to learn how to ladder your certificates or to schedule an appointment to set up certificates that work for you.

How much will my Certificate be worth at maturity?

Other Products

Grandmother with child


Invest in your future for a better tomorrow with Truliant's Individual Retirement Accounts.

Learn More
People looking at papers

Membership Savings Accounts

Make more of your membership with a variety of savings options to hit your goal.

Learn More
Laptop computer with sunglare

Money Market Accounts

Truliant's money market accounts offer a blend of long-term savings at tiered rates.

Learn More
Woman looking at a check book

Truly Free Checking with Tru2Go

Get the most of your membership with free checking accounts.

Learn More

(1) 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
  • ‚ÄčTerm of 12-36 months: 180 days of dividends or dividends since opening/renewal, whichever is less
  • ‚ÄčTerm 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 calculator on this page is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual yield computations.