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TruStone Financial Credit Union Rates & Review April 2026

TruStone Financial Credit Union's 7 Month Special IRA CDs rates are at 4.00%, 13 Month Special IRA CDs rates are at 3.75%, 6 Month IRA CDs rates are at 3.70%, 12 Month IRA CDs rates are at 3.60%, 20 Month Special IRA CDs rates are at 3.60%. TruStone Financial Credit Union's savings rates are at 0.10%. TruStone Financial Credit Union's money market rates are at 0.10%. TruStone Financial Credit Union's 15-Year Fixed Rate rates are at 5.25%, 15-Year Fixed Rate Refinance rates are at 5.25%, VA 30-Year Fixed rates are at 5.50%, FHA 30-Year Fixed rates are at 5.50%, 30-Year Fixed Rate - MN AZ FL rates are at 5.88%. TruStone Financial Credit Union's Personal Loan Rates are at 6.35%. MonitorBankRates evaluates the financial stability of TruStone Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.44%. Rates were last updated on 04/13/2026.

TruStone Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TruStone Financial Credit Union? Share your experience about TruStone Financial Credit Union by leaving a review below, or read customer reviews before you decide to use TruStone Financial Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.44%
Excellent Lower than avg
TruStone Financial Credit Union
Corporate Office
14601 27th Ave N
Plymouth, MN 55447
https://www.trustonefinancial.org
Member NCUA

TruStone Financial Credit Union CD Rates

Product Rate APY Term View More
7 Month Special IRA Certificates 3.94% 4.00% 7
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
13 Month Special IRA Certificates 3.70% 3.75% 13
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
6 Month IRA Certificates 3.65% 3.70% 6
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
12 Month IRA Certificates 3.55% 3.60% 12
Details Moneywise Available
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
20 Month Special IRA Certificates 3.55% 3.60% 20
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
60 Month IRA Certificates 3.55% 3.60% 60
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
48 Month IRA Certificates 3.50% 3.55% 48
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
24 Month IRA Certificates 3.45% 3.50% 24
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
36 Month IRA Certificates 3.45% 3.50% 36
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
3 Month IRA Certificates 1.49% 1.50% 3
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Savings Rates

Product Rate APY View More
Traditional and Roth IRA Savings 1.00% 1.00%
Min Deposit $0
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Health Savings Account 0.30% 0.30%
Min Deposit $0
Min Balance $5,000
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Health Savings Account 0.20% 0.20%
Min Deposit $0
Min Balance $500
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Health Savings Account 0.10% 0.10%
Min Deposit $0
Min Balance $0
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Primary Share Savings 0.10% 0.10%
Min Deposit $5
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Money Market Rates

Product Rate APY View More
Money Market 2.96% 3.00%
Min Deposit $2,500
Min Balance $100,000
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Money Market 1.98% 2.00%
Min Deposit $2,500
Min Balance $50,000
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Moneywise Money Market (Youth) 1.74% 1.75%
Min Deposit $500
Min Balance $25,000
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Money Market 1.49% 1.50%
Min Deposit $2,500
Min Balance $25,000
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Moneywise Money Market (Youth) 1.49% 1.50%
Min Deposit $500
Min Balance $10,000
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Moneywise Money Market (Youth) 1.24% 1.25%
Min Deposit $500
Min Balance $500
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Money Market 1.00% 1.00%
Min Deposit $2,500
Min Balance $10,000
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Moneywise Money Market (Youth) 1.00% 1.00%
Min Deposit $500
Min Balance $0
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Money Market 0.80% 0.80%
Min Deposit $2,500
Min Balance $2,500
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Money Market 0.10% 0.10%
Min Deposit $2,500
Min Balance $0
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Checking Rates

Product Rate APY View More
TruRate Checking 3.93% 4.00%
Min Deposit $2,000
Min Balance $0
Details Qualifying balance up to $20,000.00
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Premium Checking 0.10% 0.10%
Min Deposit $300
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Moneywise Teen Checking - 0.00%
Min Deposit $5
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Value Checking - 0.00%
Min Deposit $25
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Mortgage Rates

Product Rate Points APR Term View More
15-Year Fixed Rate 5.25% - 5.45%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
15-Year Fixed Rate Refinance 5.25% - 5.48%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
VA 30-Year Fixed 5.50% - 5.61%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
FHA 30-Year Fixed 5.50% - 5.80%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
30-Year Fixed Rate - MN AZ FL 5.88% - 6.01%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
30-Year Fixed Rate - WI 5.88% - 6.02%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
30-Year Fixed Rate Refinance 6.00% - 6.12%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
30-Year Fixed Rate HomeReady 6.13% - 6.26%
No additional details.
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans 5-Year Fixed-Rate 4.99% - 5.24% 5-Year
Details As Low As; Up to 80% loan-to-value
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Home Equity Loans 10-Year Fixed-Rate 5.99% - 6.12% 10-Year
Details As Low As; Up to 80% loan-to-value
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Home Equity Loans 15-Year Fixed-Rate 6.49% - 6.56% 15-Year
Details As Low As; Up to 80% loan-to-value
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Home Equity Line of Credit (HELOC) 6.75% - 6.75%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - Model Year 2023+ - - 4.74% 36 Months
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Auto Loans - Model Year 2022 & Older - - 4.99% 36 Months
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Auto Loans - Model Year 2023+ - - 4.99% 48 Months
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Auto Loans - Model Year 2022 & Older - - 5.24% 48 Months
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Auto Loans - Model Year 2023+ - - 5.29% 84 Months
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum - 11.90%
Details As Low As; Regular APR: 11.90%-16.90%
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Visa Platinum Rewards - 12.90%
Details As Low As; Regular APR: 12.90%-16.90%
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Visa Signature - 12.90%
Details As Low As; Regular APR: 12.90%-16.90%
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

TruStone Financial Credit Union Personal Loan Rates

Product Rate APR View More
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ - 6.35%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ - 6.45%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ - 6.75%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older - 6.99%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older - 7.45%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2023+ - 7.50%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older - 7.75%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Motorcycle / Boat / Personal Watercraft / RV / Snowmobile / ATV / UTV - Model Year 2022 & Older - 8.75%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Personal Loan (Unsecured) - 10.99%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%
Personal Line of Credit (Unsecured) - 12.49%
Details As Low As
Last Updated 04/13/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.44%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for TruStone Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather TruStone Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with TruStone Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TruStone Financial Credit Union
Address 14601 27th Ave N, Plymouth, MN 55447
Phone 763-544-1517
Fax
President Darrick Metz
CEO Dale Turner
Full-Time Employees 533
Part-Time Employees 26
Branch Locations 24
ATM Locations 24
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.44%
Return on Assets (ROA)
0.7141%
Return on Equity (ROE)
6.4950%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
5,669,826,366
Total Amount of Shares and Deposits
4,375,270,703
Total Shares and Deposits < 1 Year
4,087,229,460
Total Shares and Deposits 1 3 Years
254,802,889
Total Shares and Deposits > 3 Years
33,238,355
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
332,071,808
Total Uninsured Shares and Deposits > $250K (F+J)
404,972,798
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,970,297,905
Total Interest Expense (Sum of items 6 8)
117,572,467
Share Certificates
40,511
Number of Accounts for Share Drafts
137,922
IRA KEOGH Accounts
9,723
Number of Accounts for Regular Shares
268,565
All other shares
1,696
Non Member Deposits
193
Money Market Shares
27,722
Net Income (unless the amount is already included in Undivided Earnings)
40,486,405
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
227,896,015
Total Liabilities
5,084,782,364
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for TruStone Financial Credit Union yet. Feel free to create one below.
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About TruStone Financial Credit Union

Is TruStone Financial Credit Union a safe place to deposit money?

Yes, TruStone Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 5.4351758329882%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does TruStone Financial Credit Union operate?

TruStone Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join TruStone Financial Credit Union?

Yes, to access services at TruStone Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, TruStone Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TruStone Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TruStone Financial Credit Union offer online and mobile banking?

Most modern institutions like TruStone Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.trustonefinancial.org.

Current TruStone Financial Credit Union Rates

  • 12-Month CD3.60%
  • 24-Month CD3.50%
  • 60-Month CD3.60%
  • Savings0.10%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.