Deposit Account Rates

As a credit union, we give back to our members in a number of ways. Providing you with higher rates on savings accounts is just one of them. The result? Our members can expect to see their savings balance increase significantly over time.

Primary Share Savings Rates

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Average Minimum Balance Rate APY
Less than $2,500 0.00% 0.00%
$2,500-$9,999.99 0.05% 0.05%
$10,000-$99,999.99 0.10% 0.10%
$100,000 and greater 0.15% 0.15%

Choice Savings Rates

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Average Minimum Balance Rate APY
Less than $2,500 0.00% 0.00%
$2,500-$9,999.99 0.05% 0.05%
$10,000-$99,999.99 0.10% 0.10%
$100,000 and greater 0.15% 0.15%

Dividends earned are tiered based on average monthly balance. They are compounded daily and paid monthly. Fees may apply as described in the common features.

 

World Checking

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Average Minimum Balance Rate APY
Less than $50,000 0.05% 0.05%
$50,000 and greater 0.15% 0.15%

Earned dividends are tiered based on average monthly World Checking Account balance. They are compounded and paid monthly.

Ultimate Checking

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Average Minimum Balance Rate APY
Up to $10,000 2.96% 3.00%
Greater than $10,000 0.10% 0.10%

Earned dividends are tiered based on average monthly Ultimate Checking Account balance. They are compounded and paid monthly. Certain conditions must be met in order to qualify for dividends.  See Products and Services Details for more information.

HSA Checking

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Average Minimum Balance Rate APY
No Minimum Balance 0.40% 0.40%

Dividends are compounded monthly and paid monthly. Check out our HSA FAQs to learn more about maximum contribution amounts, catch-up amount for participants over 55 years of age, and other information. Fees and restrictions may apply as described in the common features.

 

Certificate Rates

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Term Minimum Opening Balance Rate APY
6 mo $1,000 0.15% 0.15%
12 mo $1,000 0.21% 0.21%
18 mo $1,000 0.26% 0.26%
24 mo $1,000 0.31% 0.31%
36 mo $1,000 0.42% 0.42%
60 mo $1,000 0.58% 0.58%
72 mo $1,000 0.74% 0.74%

 

IRA Certificate Rates

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Term Minimum Opening Balance Rate APY
6 mo $1,000 0.20% 0.20%
12 mo $1,000 0.26% 0.26%
18 mo $1,000 0.31% 0.31%
24 mo $1,000 0.36% 0.36%
36 mo $1,000 0.47% 0.47%
60 mo $1,000 0.63% 0.63%
72 mo $1,000 0.79% 0.79%

Minimum to open a standard-term Share Certificate or IRA Certificate is $1,000, but may differ based on term and rate offered by a specific certificate. Special terms and rates may be available. Dividends for standard Share Certificates are compounded monthly. Dividends for IRA Certificates are compounded quarterly. Certificates are subject to early withdrawal penalty, which may reduce earnings. Current rates are subject to change. All Certificate accounts are under the terms and conditions of their respective TCU Certificate account.

HSA Certificates

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Term Minimum Opening Balance Rate APY
12 mo $1,000 0.45% 045%
36 mo $1,000 0.65% 0.65%
60 mo $1,000 0.85% 0.85%

Minimum to open a standard-term Share, IRA or HSA Certificate is $1,000, but may differ based on term and rate offered by a specific certificate. Special terms and rates may be available. Dividends for standard Share Certificates are compounded monthly. Dividends for IRA and HSA Certificates are compounded quarterly. Certificates are subject to early withdrawal penalty, which may reduce earnings. Current rates are subject to change. All deposits are reported as a contribution and withdrawals as a distribution. Additional deposits can only be made at renewal.

 

Premium Money Market Rates

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Average Minimum Balance Rate APY
Less than $25,000 0.07% 0.07%
$25,000-$49,999.99 0.12% 0.12%
$50,000-$99,999.99 0.17% 0.17%
$100,000-$249,999.99 0.32% 0.32%
$250,000 and greater 0.42% 0.42%

Dividends earned are tiered based on average daily Premium Money Market Account balance. They are compounded daily and paid monthly. Fees may apply as described in the common features. 

 

IRA Share Rates

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Average Minimum Balance Rate APY
No Minimum .20% .20%

Dividends earned are based on average daily IRA Share Account balance. They are compounded quarterly and paid quarterly. Fees may apply as described in the common features.

 

Tiered IRA Rates

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Average Minimum Balance Rate APY
Less than $1,500 0.00% 0.00%
$1,500-$9,999.99 0.05% 0.05%
$10,000-$19,999.99 0.10% 0.10%
$20,000-$49,999.99 0.15% 0.15%
$50,000 and greater 0.20% 0.20%

Dividends earned are tiered based on average daily Tiered IRA Account balance. They are compounded daily and paid monthly. Fees may apply as described in the common features.

 

IRA Certificates

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Term Minimum Opening Balance Rate APY
6 mo $1,000 0.20% 0.20%
12 mo $1,000 0.26% 0.26%
18 mo $1,000 0.31% 0.31%
24 mo $1,000 0.36% 0.36%
36 mo $1,000 0.47% 0.47%
60 mo $1,000 0.63% 0.63%
72 mo $1,000 0.79% 0.79%

Minimum to open a standard-term IRA Certificate is $1,000, but may differ based on term and rate offered by a specific certificate. Special terms and rates may be available. Dividends for IRA Certificates are compounded quarterly. Certificates are subject to early withdrawal penalty, which may reduce earnings. Current rates are subject to change. All Certificate accounts are under the terms and conditions of their respective TCU Certificate account.

 

HSA Checking

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Average Minimum Balance Rate APY
No Minimum Balance 0.40% 0.40%

Dividends are compounded monthly and paid monthly. Check out our HSA FAQs to learn more about maximum contribution amounts, catch-up amount for participants over 55 years of age, and other information. Fees and restrictions may apply as described in the common features.

HSA Certificates

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Term Minimum Opening Balance Rate APY
12 mo $1,000 0.45% 045%
36 mo $1,000 0.65% 0.65%
60 mo $1,000 0.85% 0.85%

Minimum to open a standard-term HSA Certificate is $1,000, but may differ based on term and rate offered by a specific certificate. Special terms and rates may be available. Dividends are compounded quarterly. Certificates are subject to early withdrawal penalty, which may reduce earnings. Current rates are subject to change. All deposits are reported as a contribution and withdrawals as a distribution. Additional deposits can only be made at renewal. Check out our HSA FAQs to learn more about maximum contribution amounts, catch-up amount for participants over 55 years of age, and other information.