TruMark Financial Certificates

A certificate lets you lock in money for a fixed term and earn a higher rate than a regular savings account

Certificate

Maximize your dividend earnings and return on savings with a high-yield certificate.

Term: 3- to 60-months
APY: As high as 3.60%
Minimum deposit: $500

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Bump-Up Certificate

Let’s you increase (“bump up”) your rate if rates rise. One bump for 24-months and two bumps for 48-months.

Term: 24- or 48-months
APY: As high as 3.50%
Minimum deposit: $500

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Jumbo Certificate

Boost your returns with higher rates for larger deposits.

Term: 6- to 60-months
APY: As high as 3.55%
Minimum deposit: $75,000

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Open a Certificate

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Disclosures

Certificates and IRAs Disclosure

Certificate rates

Account

Term

Dividend Rate

APY^*

Minimum Opening Deposit

Calculate Your Earnings

3-month Certificate¹

3 Months

3.542%

3.600%

$500

6-month Certificate²

6 Months

3.445%

3.500%

$500

9-month Certificate²

9 Months

3.445%

3.500%

$500

12-month Certificate

12 Months

3.348%

3.400%

$500

18-month Certificate

18 Months

3.348%

3.400%

$500

24-month Certificate

24 Months

3.348%

3.400%

$500

30-month Certificate

30 Months

3.348%

3.400%

$500

36-month Certificate

36 Months

3.348%

3.400%

$500

48-month Certificate

48 Months

3.445%

3.500%

$500

60-month Certificate

60 Months

3.445%

3.500%

$500

Rates valid as of 1/23/26

^*Annual Percentage Yield (APY) subject to change. Rate is compounded and posted monthly. Early withdrawals before the maturity date on Certificates are subject to penalty. APYs assume all principal and dividends will remain on deposit for the full term of the certificate.

¹Limited time offer. At maturity, the three-month Certificate will automatically renew for another three-month term unless this promotional offer is no longer available. If the offer has ended, the Certificate will renew into the next closest available term at the prevailing rate at that time. Not available for business accounts.

²The six-, and nine-month Certificates and six- and nine-month fixed-rate APYs assume all principal and dividends will remain on deposit for a full year at the current APY. However, APY may not be available for a full year.

Call 1-877-TRUMARK for further details

Members that maintain a Premium or Smart Start Checking account are automatically entitled to a bonus of five (5) basis points (does not apply to Bump-Up Certificates).

Bump-Up Certificate rates

Account

Term

Dividend Rate

APY^*

Minimum Opening Deposit

24-month Bump-Up Certificate^**

24 Months

3.348%

3.400%

$500

48-month Bump-Up Certificate^**

48 Months

3.445%

3.500%

$500

Rates valid as of 1/9/26

**Members may request a rate increase (“bump”) on their existing Bump-Up Certificate by contacting TruMark Financial’s Member Service Center or visiting a branch. 24-month bump-up certificates are permitted 1 rate increase during the term and 48-month bump up certificates are permitted 2 rate increases during the term. Visit https://www.trumarkonline.org/rates/ to check for current rates. Rate will be applied for remaining term of the account and will not be applied retroactively, nor extend the maturity date. TruMark Financial makes no guarantee that rates will increase and/or member will be able to exercise bump option during term. At maturity, the Bump-up Certificate will renew into a Bump-up Certificate of the same term. In the case where a Bump-Up Certificate is no longer available, the Bump-up Certificate will renew into a Certificate of the same term. Bump-up Certificates require a minimum deposit amount of $500.

Call 1-877-TRUMARK for further details

Jumbo Certificate rates

Account

Term

Dividend Rate

APY^*

Minimum Opening Deposit

6-month Jumbo Certificate^**

6 Months

3.494%

3.550%

$75,000+

9-month Jumbo Certificate^**

9 Months

3.494%

3.550%

$75,000+

12-month Jumbo Certificate

12 Months

3.397%

3.450%

$75,000+

24-month Jumbo Certificate

24 Months

3.397%

3.450%

$75,000+

30-month Jumbo Certificate

30 Months

3.397%

3.450%

$75,000+

36-month Jumbo Certificate

36 Months

3.397%

3.450%

$75,000+

48-month Jumbo Certificate

48 Months

3.494%

3.550%

$75,000+

60-month Jumbo Certificate

60 Months

3.494%

3.550%

$75,000+

Rates valid as of 1/9/26

^**The six-, and nine-month Certificates and six- and nine-month fixed-rate IRA APYs assume all principal and dividends will remain on deposit for a full year at the current APY. However, APY may not be available for a full year.

Call 1-877-TRUMARK for further details

Members that maintain a Premium or Smart Start Checking account are automatically entitled to a bonus of five (5) basis points (does not apply to Bump-Up Certificates).

FAQs

I’m already a TruMark Financial member. How do I open a Certificate?

You can open a Certificate by selecting the “Open a Certificate” button at the top of this page, then “Log In”, or directly within online banking or the TruMark Financial mobile app. Since you’re already signed in, your information will be pre-filled for convenience:

Online Banking: Select “Account Services” > “Open an Account”
Mobile App: Tap “More” > “Open an Account”

What happens when my certificate matures?

Upon maturity, the certificate is set to automatically renew into another certificate of the same term¹. TruMark Financial gives a five (5) business day grace period post-maturity to make changes to the term or withdraw your funds without penalty.

¹In the case that the promotional 3-month certificate ends, your 3-month certificate will renew into a 6-month certificate

What are my options for maturity?

You may set any of the following maturity options for your certificate:
• Renew into a new term certificate
• Deposit the funds into your TruMark Financial account
• Receive a check by mail

How do I bump-up my certificate rate?

Bump-ups are permitted for bump-up certificates only. Please call 1-877-TRUMARK or visit a local branch.

24-month bump-up certificates are permitted one bump-up during the term
48-month bump up certificates are permitted two bump-ups during the term

Rate will be applied for the remaining term of the account and will not be applied retroactively, nor extend the maturity date. TruMark Financial makes no guarantee that rates will increase and/or member will be able to exercise bump option during term.

Can I withdraw funds before my certificate matures?

If you withdraw any principal before the certificate’s maturity date, TruMark Financial will impose an early withdrawal penalty. The penalty amount depends on the term length and equals a specified number of days’ dividend—whether or not those dividends have been earned or credited:

Terms of 12-months or less: penalty equal to 90 days of dividend
Terms of 13-months or more: penalty equal to 180 days of dividend

Minimum opening deposit must be maintained.

Can I deposit more money into my certificate during the term?

No, once a certificate is opened, you cannot add additional funds during the term.

What happens with dividends that my certificate earns?

By default, your certificate dividend will compound to your certificate account. Should you wish to have your dividends post to a TruMark Financial account instead, please call 1-877-TRUMARK or visit a local branch. Note that the certificate APY is based on an assumption that dividend will remain on the certificate account until maturity. A withdrawal of dividend will reduce earnings.

How is a Certificate different from a Money Market, and which one is right for me?

A Certificate offers a fixed rate for a set term, often resulting in a higher guaranteed return if you can leave your funds untouched. A Money Market provides more flexibility and access to your funds, but its rate is variable and can change over time.

If you’re comfortable locking in your money to earn a fixed return, a Certificate may be the best fit for you.