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ALL TCU BRANCHES ARE CLOSED TODAY IN OBSERVANCE OF MARTIN LUTHER KING JR. DAY. THE MEMBER SERVICES TEAM IS AVAILABLE FROM 7 AM TO 10 PM AT (800) 552-4745.

PLEASE NOTE: MANY BRANCH LOBBIES ARE TEMPORARILY UNAVAILABLE OR OPEN BY APPOINTMENT ONLY. FOR UP-TO-DATE INFORMATION VISIT OUR LOCATION STATUS PAGE.

CLICK HERE TO LEARN MORE ABOUT OUR COVID RELIEF MEASURES AND SAFE BANKING PRACTICES.

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Savings

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It's time to start owning your financial future.

Let's work together to get you where you want to go.

  • Attractive dividends
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Primary Share Savings

Every member's first account.* Grow your cash reserves and be ready for whatever the future brings.

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Choice Savings

Open multiple accounts and give them names that represent your financial targets.

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Premium Money Market

Enjoy super-sized dividends and easy access to your deposits.

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Certificates

By investing money for a longer period, you can earn a bigger payoff.

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Individual Retirement Accounts (IRAs)

The key to a comfortable future is to begin building up your balance today.

Learn More
Health Savings Accounts (HSAs)

Take the sting out of unexpected medical bills by building up tax-free reserves.

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Round-Up Savings

Round up your TCU debit card to build up your savings.

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Kids Club

Kids earn prizes as they learn good savings habits.

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* Membership subject to a $5 initial Primary Share account deposit and $7 membership fee. See Products and Services Details for more information.

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Get In Touch

Contact

 

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Teachers Credit Union
P.O. Box 1395
South Bend, IN 46624-1395

 

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Member Call Center Hours
M-F 7:00 a.m. to 7:00 p.m. ET
SAT 8:00 a.m. to 1:00 p.m. ET

(800) 552-4745

 

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Book an Appointment

 

Contact

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Teachers Credit Union
P.O. Box 1395
South Bend, IN 46624-1395

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Member Call Center Hours
M-F 7:00 a.m. to 7:00 p.m. ET
SAT 8:00 a.m. to 1:00 p.m. ET

(800) 552-4745

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Book an Appointment

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Teachers Credit Union in Indiana and Michigan offers valuable banking solutions including checking accounts, savings accounts, mortgages, auto loans, home equity loans, HELOCs and much more. Bank online with our mobile app, or visit one of our conveniently located branches in Indiana, southwest Michigan and beyond.

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Under 18? Here's how to open your Student Rewards Checking account.

If you're between the ages of 14 and 17, you and a parent/legal guardian can open your Student Rewards Checking by visiting your nearby TCU branch. Be sure you each bring two forms of valid ID. You can find a list of acceptable IDs here.

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Savings Basics

🖶 Print/Download as a PDF

Basics on Savings

Developing a savings plan and putting it to work can help you reach your goals
and become financially secure. Here are simple steps to get started:

 

Create a Budget

Developing a budget based on your monthly income, expenses and savings is the first step.

  • Track your income and expenses to establish financial goals by reviewing your most recent monthly statements. Knowing how you spend your money can help you adjust or eliminate non-essential purchases.
  • Use the 50/30/20 budget—spending roughly 50 percent of your after-tax dollars on necessities, no more than 30 percent on “wants,” and at least 20 percent into savings or paying off debts.
  • TCU’s Budget Calculator can help you develop a roadmap to make your hard-earned income work for you.
  • Stick to your budget plan over time to help reduce debt, cut back on impulse purchases and increase savings for emergencies, large expenses and other financial goals.

 

Save Early for Retirement

Even a small, regular contribution toward your retirement has the potential to grow into a large nest egg.

  • Compound interest (earning interest on interest) over time has a tremendous impact on your long-term retirement savings. Automate the process. If your employer offers a 401(k) plan, take advantage of it, along with the pre-tax savings on your earnings.
  • Use a health savings account (HSA) to contribute. You can contribute pre-tax dollars, pay no taxes on earnings, and withdraw the money tax-free now or in retirement to pay for qualified medical expenses.

Build Your Savings

It is important to build up your savings to cover emergencies and to plan for your future. As a general rule, you should maintain enough savings to cover three to six months of your regular expenses.

  • Establish a separate savings account for each of your savings goals—contributing a certain amount each pay period. TCU makes it easy by offering Choice Savings accounts. You can open multiple savings accounts and give them names that represent your financial targets (like emergency, insurance or vacation) making it easy to see when you’re closing in on your goals.
  • Set up automatic transfers from your checking to each savings account each pay period to stay on track.
  • Use TCU’s Round-Up Savings to grow your savings automatically. Every time you make a purchase with your TCU Debit Mastercard®, the purchase amount is rounded up to the nearest dollar and the difference is transferred from your checking to your savings account. You will be surprised how a little change here and there adds up.

Want to know more? Call or visit your local TCU service center or book an appointment when it's convenient for you.

Not Sure?

No problem. Just email us at sbapaycheckprotection@tcunet.com or click the button below and we'll be glad to help.

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