TruStone Financial Credit Union


Overview / Commentary
800-862-1998
14601 27th Avenue North Suite 104
Plymouth, MN 55447

Field of Membership Restrictions

Membership in TruStone Financial Credit Union is open to those who live, work, worship, or attend school in the Minnesota cities of Minneapolis, St. Paul, or St. Cloud (Zip Code 56301), and those who live or work in the Wisconsin counties of  Milwaukee, Kenosha, Redwood, Yellow Medicine, Renville or Racine. Also eligible to join are members/employees of Education Minnesota, as well as employees of Christian Heritage Academy, Institute of Production and Recording, Gannett Publishing Services, Apple Valley Medical Center, and other area Select Employer Groups.  Individuals who live in the Credit Union's footprint are also eligible for membership by donating to the TruStone Foundation.
See current membership details

Great local banking option

I got tired of having my accounts in the big name banks that don't care about their customers. I've been with Trustone Financial a couple years now and I'm very satisfied. The employees are competent and helpful. There are several locations all very welcoming.

Great Customer Service, Board Of Directors Grumpy

Trustone is a good credit union as a customer. Staff are friendly and knowledgeable. The benefits of membership keep getting better. Their no-annual fee visa signature card went from 1.0% to 1.5% cashback on every purchase starting 2019. Also offers no international fees on foreign currency transactions abroad while traveling. Very few fees. Outbound external transfers are free, Trurate (high-interest) checking account holders get two free books worth of personal checks per year.

When it comes to voting matters such as their recent merger with Firefly credit union in 2020-2021, the board and the directors wouldn't provide any details about the merger. They seemed so enthusiastic about it, when it made little sense to members of either credit union. Then it turned out Firefly CU's management were all getting sweetheart $250,000 retention bonuses! Didn't like that Trustone staff who are also members get voting rights as well. Whole mail-in ballot process did not feel open and transparent. Less than 10% of existing members voted to begin with.

Staff and lawyers are the only ones who win in a merger of two perfectly healthy credit unions. Just like with publicly traded companies...

https://beta.regulations.gov/document/NCUA-2020-0110-0001/comment

If you try to get involved as a member on the board of Trustone, good luck! They are unfriendly and arrogant. They don't like being contacted by members who are eager to learn how credit unions operate compared to banks. Trustone management (who are employees) is friendly enough.

Not For CA

Posted by: |

I called them and told me that one cannot open a CD account if lives in California or any other state except Mi and Wis.

Even if pays the $10 membership for their foundation

Is that true?

TruStone Financial

I have been banking with TruStone Financial Credit Union since I was a little kid. While growing up, they provided the tools I needed to save money after my first job and after receiving gifts from relatives. This Credit Union provided me with basic financial literacy knowledge that I would need to succeed later in life. As I've grown older, I have continued to find TruStone to be very customer-oriented and full of knowledgeable bankers. I have also personally compared their rates with other banks and found that their returns on both CDs and savings accounts to be higher than others. I also have a checking account with TruStone financial and have found the experience to be positive. As long as TruStone remains in business, they will have me as a customer. I would highly recommend TruStone to anyone looking to switch banks or credit unions.

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Health

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Rates
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Always verify rates and promotions with the bank or credit union. We are not TruStone Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TruStone Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--IRA Shares
0.30%--MoneyWise Primary Share
0.30%*$5k*-Health Savings Account
OTHER TIERS: 0.10% Up to $500 | 0.20% $500 - $5k
0.10%--Primary Share
0.10%--Sub-Share
0.10%--Business Share

TruStone Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$250k*-Business Money Market
OTHER TIERS: 0.25% Up to $10k | 0.30% $10k - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k
0.60%*$250k*-Money Market
OTHER TIERS: 0.25% Up to $10k | 0.30% $10k - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k
0.60%*$25k*-MoneyWise Money Market Account
OTHER TIERS: 0.30% Up to $500 | 0.35% $500 - $10k | 0.45% $10k - $25k

TruStone Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$20kTruRate Checking
OTHER TIERS: 0.10% $20k+
0.30%*$25k*-Capital Business Checking
OTHER TIERS: 0.20% $7.5k - $15k | 0.25% $15k - $25k
0.10%--Premium Checking

TruStone Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
1.25%$500-Business 48 Month CD
1.05%$500-48 Month CD
1.05%$500-Business 60 Month CD
1.00%$500-36 Month CD
1.00%$500-Business 36 Month CD
0.75%$500-24 Month CD
0.75%$500-Business 24 Month CD
0.60%$500-12 Month CD
0.60%$500-Business 12 Month CD
0.45%$500-6 Month CD
0.45%$500-Business 6 Month CD
0.30%$500-3 Month CD
0.30%$500-Business 3 Month CD
0.30%$25-12 Month MoneyWise CD

TruStone Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month IRA
1.05%$500-48 Month IRA
1.00%$500-36 Month IRA
0.75%$500-24 Month IRA
0.60%$500-12 Month IRA
0.45%$500-6 Month IRA
0.30%$500-3 Month IRA
Locations

Availability

Minneapolis Area

Interactive local rates map


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