{"slug":"trueenergy-federal-credit-union-15-month-share-certificate-rate","category":"bank","institutionSlug":"trueenergy-federal-credit-union","product":"15-Month Share Certificate","title":"TrueEnergy FCU 15-Month Share Certificate: 4.50% APY","bonus":"4.50% APY","unit":"cash","amount":0,"reqShort":"$1,000 minimum, 15-month term, new money only","expiresOn":null,"status":"live","verifiedOn":"2026-08-15","reports":0,"openIssues":0,"states":["VA"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Early withdrawal penalties may apply and could reduce earnings.","posts":"Automatically renews into the closest comparable share certificate at the rate in effect at maturity unless otherwise instructed.","applyDomain":"truenergyfcu.org","applyUrl":"https://www.truenergyfcu.org/cdpromotion","summary":"This 15-month share certificate earns 4.50% APY for new funds not currently on deposit, or 4.00% APY for existing deposits. The rate is fixed and guaranteed for the full 15-month term. Early withdrawal penalties may apply.","reqSteps":[],"finePrint":["Promotional rates effective August 17, 2026, and subject to change or end without notice.","Early withdrawal penalties may apply and could reduce earnings.","Fees may reduce earnings.","Unless otherwise instructed, the certificate will automatically renew into the closest comparable share certificate at the rate in effect at maturity.","No jumbo or IRA rates are available with this promotion."],"apy":450,"apyTerm":"15-month promotional term","listedOn":"2026-08-15","listedAt":"2026-08-15T13:06:35.688Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"truenergyfcu.org rate page","url":"https://www.truenergyfcu.org/cdpromotion","checkedOn":"2026-08-15"}],"needsVerification":false}