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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 0.10% 0.10%
$2,500-$9,999.99 0.15% 0.15%
$10,000-$99,999.99 0.20% 0.20%
$100,000 and greater 0.20% 0.20%

Choice Savings Rates

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Average Minimum Balance Rate APY
Less than $2,500 0.10% 0.10%
$2,500-$9,999.99 0.15% 0.15%
$10,000-$99,999.99 0.20% 0.20%
$100,000 and greater 0.20% 0.20%

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 Rates

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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.

 

Certificate Rates

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Term Minimum Opening Balance Rate APY
6 mo $1,000 0.57% 0.57%
12 mo $1,000 0.79% 0.79%
18 mo $1,000 1.18% 1.19%
24 mo $1,000 1.25% 1.26%
36 mo $1,000 1.43% 1.44%
60 mo $1,000 1.82% 1.84%
72 mo $1,000 2.02% 2.04%
15 mo Special $500 1.92% 1.94%

 

IRA Certificate Rates

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Term Minimum Opening Balance Rate APY
6 mo $1,000 .62% .62%
12 mo $1,000 .84% .84%
18 mo $1,000 1.23% 1.24%
24 mo $1,000 1.30% 1.31%
36 mo $1,000 1.48% 1.49%
60 mo $1,000 1.87% 1.88%
72 mo $1,000 2.07% 2.09%
21 mo Special $1,000 2.21% 2.23%

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.

 

Premium Money Market Rates

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Average Minimum Balance Rate APY
Less than $25,000 0.25% 0.25%
$25,000-$49,999.99 0.72% 0.72%
$50,000-$99,999.99 0.89% 0.89%
$100,000-$249,999.99 0.99% 0.99%
$250,000 and greater 1.15% 1.16%

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 .25% .25%

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 0.10% 0.10%
$10,000-$19,999.99 0.15% 0.15%
$20,000-$49,999.99 0.20% 0.20%
$50,000 and greater 0.25% 0.25%

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
21 mo Special $1,000 2.21% 2.23%
6 mo $1,000 .62% .62%
12 mo $1,000 .84% .84%
18 mo $1,000 1.23% 1.24%
24 mo $1,000 1.30% 1.31%
36 mo $1,000 1.48% 1.49%
60 mo $1,000 1.87% 1.88%
72 mo $1,000 2.07% 2.09%

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 Rates

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Average Minimum Balance Rate APY
No Minimum 0.50% 0.50%

Interest is compounded monthly and paid monthly. See a TCU Representative for maximum contribution amounts and catch-up amount for participants over 55 years of age. Fees and restrictions may apply as described in the common features.