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All rates are subject to change and subject to current TCU terms and conditions. Dividends are determined at the discretion of the Board of Directors at the end of each dividend period. The dividend Rate and APY may change quarterly. Rates are current as of the last dividend declaration date. APY = Annual Percentage Yield & APR = Annual Percentage Rate

Deposit Rates on Accounts Opened before April 3, 2016

Please select a Deposit Product from the dropdown menu to view detailed rate information.

Deposit Rates on Accounts opened on/after April 4, 2016

Please select a Deposit Product from the dropdown menu to view detailed rate information.

 

IRA Share Certificate

Term Minimum Balance IRA APY APR
6 month $1,000.00 0.52% 0.52%
12 month $1,000.00 0.64% 0.64%
18 month $1,000.00 0.73% 0.73%
24 month $1,000.00 0.80% 0.80%
36 month $1,000.00 0.98% 0.98%
60 month $1,000.00 1.38% 1.37%
72 month $1,000.00 1.50% 1.49%
Rates effective 12/1/2017.

Tiered IRA

Balance Ranges APY APR
$0 - $1499.99 0.00% 0.00%
$1500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $19,999.99 0.15% 0.15%
$20,000.00 - $49,999.99 0.20% 0.20%
$50,000 and UP 0.25% 0.25%

IRA Share

Avg. Minimum Balance APY APR
$0.00 0.25% 0.25%

IRA Share Certificate Specials

Term Minimum Balance APY APR

11 Month Special

APY is Annual Percentage Yield. APR is Annual Percentage Rate. As of 9/1/2017, 70 Month IRA Share Certificate APY is 1.08%% and APR is 1.07%. $500 minimum deposit. Account is subject to early withdraw penalty. Rates are compounded quarterly and are subject to change. Fees may apply and reduce earnings. All Certificate of Deposit accounts are under the terms and conditions of the specified TCU Share Certificate account. Must be a member. New members are subject to $7.00 membership fee and $5.00 initial share deposit. Other fees may apply as described in the common features.

$500.00 1.08% 1.07%

70 Month Special

APY is Annual Percentage Yield. APR is Annual Percentage Rate. As of 9/1/2017, 70 Month IRA Share Certificate APY is 2.34% and APR is 2.32%. $2,500 minimum deposit. Account is subject to early withdraw penalty. Rates are compounded quarterly and are subject to change. Fees may apply and reduce earnings. All Certificate of Deposit accounts are under the terms and conditions of the specified TCU Share Certificate account. Must be a member. New members are subject to $7.00 membership fee and $5.00 initial share deposit. Other fees may apply as described in the common features.

$2,500.00 2.34% 2.32%

Money Market

$2,500 Minimum to Open

Balance Ranges APY APR
$0 - $9,999.99 0.05% 0.05%
$10,000.00 - $14,999.99 0.10% 0.10%
$15,000.00 - $24,999.99 0.14% 0.14%
$25,000.00 - $49,999.99 0.22% 0.22%
$50,000.00 - $249,999.99 0.34% 0.34%
$250,000.00 - $499,999.99 0.40% 0.40%
$500,000.00 and up 0.49% 0.49%

Money Market Checking

$5,000 Minimum to Open

Balance Ranges APY APR
$0 - $9,999.99 0.00% 0.00%
$10,000.00 - $14,999.99 0.05% 0.05%
$15,000.00 - $24,999.99 0.12% 0.12%
$25,000.00 - $49,999.99 0.14% 0.14%
$50,000.00 - $249,999.99 0.19% 0.19%
$250,000.00 - $499,999.99 0.19% 0.19%
$500,000.00 and up 0.24% 0.24%

Regular Share Certificate

Term Minimum Balance Certificate APY Certificate APR
6 month $1,000.00 0.47% 0.47%
12 month $1,000.00 0.59% 0.59%
18 month $1,000.00 0.68% 0.68%
24 month $1,000.00 0.75% 0.75%
36 month $1,000.00 0.93% 0.93%
60 month $1,000.00 1.32% 1.31%
72 month $1,000.00 1.43% 1.42%

Savers Club

Certain Restriction Apply

Balance Ranges APY APR
All balances with minimum $25 systematic transfer per month 0.19% 0.19%

Holiday Club & Share Draft Account

$5.00 for Regular Share Accounts

Balance Ranges Average Minimum Balance APY APR
Holiday Club   0.10% 0.10%
Share Draft   0.00% 0.00%
.

Share Account - Health Savings Account

You can choose a HSA Savings Account or a HSA Checking Account with Debit Card Access

Balance Ranges Average
Minimum
Balance
APY APR
All Balances   0.50% 0.50%

Share Account - Primary

Balance Ranges Average
Minimum
Balance
APY APR
Regular Share Less Than $2499.99   0.10% 0.10%
Regular Share $2500.00 - $9999.99   0.15% 0.15%
Regular Share $10,000.00 - $99,999.99   0.20% 0.20%
Regular Share $100,000 and greater   0.20% 0.20%

Share Account - Vacation Club

$5.00 for Regular Share Accounts

Balance Ranges Average
Minimum
Balance
APY APR
$0 - $199.99   0.00% 0.00%
$200.00 - $499.99   0.10% 0.10%
$500.00 - $2,499.99   0.15% 0.15%
$2,500.00 - $4,999.99   0.15% 0.15%
$5,000.00 - $9,999.99   0.15% 0.15%
$10,000.00 - $24,999.99   0.20% 0.20%
$25,000.00 and up   0.20% 0.20%

Share Certificate Specials

Term Minimum Balance APY APR

11 Month Special

APY is Annual Percentage Yield. APR is Annual Percentage Rate. As of 9/1/2017, 70 Month IRA Share Certificate APY is 1.02% and APR is 1.02%. $500 minimum deposit. Account is subject to early withdraw penalty. Rates are compounded quarterly and are subject to change. Fees may apply and reduce earnings. All Certificate of Deposit accounts are under the terms and conditions of the specified TCU Share Certificate account. Must be a member. New members are subject to $7.00 membership fee and $5.00 initial share deposit. Other fees may apply as described in the common features.

$500.00 1.02% 1.02%

17 Month Jumbo

APY is Annual Percentage Yield. APR is Annual Percentage Rate. As of 1/11/2018, 17 Month Share Certificate APY is 2.02% and APR is 2.00%. $50,000 minimum deposit. Account is subject to early withdrawal penalty. Rates are compounded monthly and are subject to change. Fees may apply and reduce earnings. All Certificate of Deposit accounts are under the terms and conditions of the specified TCU Share Certificate account. Must be a member. New members are subject to a $7.00 membership fee and $5.00 initial share deposit. Other fees may apply as described in the common features. 

$50,000.00 2.02% 2.00%

70 Month Special

APY is Annual Percentage Yield. APR is Annual Percentage Rate. As of 9/1/2017, 70 Month Share Certificate APY is 2.29% and APR is 2.27%. $2,500 minimum deposit. Account is subject to early withdrawal penalty. Rates are compounded monthly and are subject to change. Fees may apply and reduce earnings. All Certificates of Deposit accounts are under terms and conditions of the specified TCU Share Certificate account. Must be a member. New members are subject to a $7.00 membership fee and $5.00 initial share deposit. Other fees may apply as described in the common features.

$2,500.00 2.29% 2.27%

 

Choice Savings

$5.00 for Regular Share Accounts

Balance Ranges APY APR
Less than $2,499.99 0.10% 0.10%
$2,500.00 to $9,999.99 0.15% 0.15%
$10,000.00 to $99,999.99 0.20% 0.20%
$100,000.00 and greater 0.20% 0.20%

 

Money Market Account

$2,500 Minimum to Open

Balance Ranges APY APR
$0 - $2,499.99 0.00% 0.00%
$2,500.00 - $24,999.99 0.14% 0.14%
$25,000.00 - $49,999.99 0.22% 0.22%
$50,000.00 and Up 0.24% 0.24%

Premium Money Market Account

$25,000 Minimum to Open

Balance Ranges APY APR
$0 - $24,999.99 0.00% 0.00%
$25,000.00 - $49,999.99 0.20% 0.20%
$50,000.00 - $99,999.99 0.24% 0.24%
$100,000.00 - $249,999.99 0.30% 0.30%
$250,000.00 and greater 0.39% 0.39%

 

Share Draft - World Checking

$50 Minimum to Open

Balance Ranges APY APR
$0 - $49,999.99 0.05% 0.05%
$50,000.00 and greater 0.15% 0.15%

 

 

 

If you have any questions regarding the rates, for your account opened before or after April 4, 2016, please contact your local TCU Representative.


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Teachers Credit Union, Lender NMLS #686706