Is calling the non-Muslim a "disbeliever" a derogatory term?

Does the Christian not consider the Muslim a disbeliever, for instance, because he does not believe in the Trinity, and that he will not be admitted to the Kingdom of God except through having faith in it? "Disbelief" is a term that means denial of the truth, and the truth for the Muslim is represented in Tawhīd (monotheism), and for the Christian it is the Trinity.

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The testimony of faith, which includes testifying the Creator's oneness and worshiping Him alone along with testifying that Muhammad is His slave and messenger.

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Is calling the non-Muslim a "disbeliever" a derogatory term?