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Savings Options

Effective as of 08/14/2019
Featured Certificate Rates
As High As
2.35
%
APY*

See All Rates

Featured High Yield Savings Rates
As High As
2.10
%
APY*
Premier Savings Account

What Savings Account Fits You?

Every stage in life is the right stage to save. With several savings options to fit your unique goals and budget, Truity Credit Union can help you start a savings plan or enhance your existing plan.  Find out more about our savings accounts today.

Savings
0.20
%
APY*
Savings
Johnny Appleseed Saving Account
0.20
%
APY*
Johnny Appleseed
Christmas Savings
0.20
%
APY*
Christmas Savings
Business Savings
0.20
%
APY*
Business Savings
Money Market
1.35
%
APY*
Money Market
2.00
%
APY*
Name It Save It
Health Savings Accounts
2.15
%
APY*
Health Savings
Savings
2.10
%
APY*
Premier Savings
2.35
%
APY*
Share Certificates
Investment Retirement Account
2.35
%
APY*
Retirement Savings
Coverdell Education Savings Account
2.35
%
APY*
Education Savings
*As high as Annual Percentage Yields (APY) are subject to change without notice. Fees may reduce earnings on the account.

Share Certificate Accounts: Penalty may be imposed for early withdrawal. See the Share Certificate Terms and Conditions for more details.

One Name It Save It share per account. One FREE withdrawal every rolling 12-month period from open date; $10.00 fee for all other withdrawals. Maximum balance is $50,000.00. Balance over $50,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection, automated withdrawals, or business accounts.

One Premier Savings share per account. One FREE withdrawal every 12-month period from open date; $20.00 fee for all other withdrawals. Minimum opening balance required is $50,000. Maximum balance is $250,000.00. Balance over $250,000.00 will be automatically moved to the Primary Share of the account. Not available for overdraft protection, automated withdrawals, or business accounts.

See Rate and Fee Schedule.
 

Balances on Savings, Sub Savings, Name It Save It, IRA, and Johnny Appleseed accounts are calculated using the average daily balance method. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Balances on Premier Savings, Performance Fund, Performance Plus, and Advantage Money Market accounts are calculated using the daily balance method. The daily balance method applies a daily period rate to the balance each day.

Free transfers from a money market or a savings account to another account or to third parties by preauthorized, automatic, internet, telephone, or other electronic means, along with checks and debit cards, are limited to six per calendar month or statement cycle. Daily withdrawal limitations apply for ATM and Point of Sale (POS) transactions.

Free transfers or withdrawals from Name It Save It and Premier Savings accounts are limited to one every 12-month period from the open date. Additional withdrawals are $10.00 for the Name It Save It account and $20 for the Premier Savings account.

The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.

Johnny Appleseed accounts apply to members from newborn to 13 years of age. When a member holding a Johnny Appleseed account attains the age of 13, the account automatically becomes a savings account. Savings account terms and fee schedules apply.

Credit union membership savings (Share) par value is $5.00.