Deposit Account Rates

Great rates give your savings a big boost.

You work hard to earn money to put in your savings accounts, Certificates, IRAs and Money Market. We make your effort even more worthwhile by growing your wealth with attractive dividend 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

About Our Accounts

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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

About Our Accounts

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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	0.60%	0.60%

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

Dividends for standard Share Certificates are compounded monthly. Dividends for IRA and HSA Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Minimum to open is $500. Visit a branch to open an IRA Certificate (not available to open online).

About Certificates

Specials

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Term	Minimum Opening Balance	Rate	APY*
14-Month Special	$500	4.90%	5.01%

IRA

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Term	Minimum Opening Balance	Rate	APY*
14-Month Special IRA	$500	4.93%	5.02%

Share Certificates

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Term	Minimum Opening Balance	Rate	APY*
6 mo	$500	1.18%	1.19%
12 mo	$500	1.35%	1.36%
18 mo	$500	1.61%	1.62%
24 mo	$500	2.20%	2.22%
36 mo	$500	2.62%	2.65%
60 mo	$500	2.80%	2.84%
72 mo	$500	3.00%	3.04%

IRA Certificates

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Term	Minimum Opening Balance	Rate	APY*
6 mo	$500	1.21%	1.22%
12 mo	$500	1.38%	1.39%
18 mo	$500	1.64%	1.65%
24 mo	$500	2.23%	2.25%
36 mo	$500	2.65%	2.68%
60 mo	$500	2.83%	2.86%
72 mo	$500	3.03%	3.06%

HSA Certificates

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Term	Minimum Opening Balance	Rate	APY*
12 mo	$500	1.40%	1.41%
36 mo	$500	2.70%	2.73%
60 mo	$500	2.90%	2.93%

All deposits are reported as a contribution and withdrawals as a distribution. Additional deposits can only be made at renewal.

Premium Money Market Rates

About Money Markets

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Average Minimum Balance	Rate	APY*
Less than $100,000	0.75%	0.75%
$100,000 and Greater	1.25%	1.26%

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

About IRAs

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Average Minimum Balance	Rate	APY*
No Minimum	0.25%	0.25%

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 $10,000	0.10%	0.10%
$10,000 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*
6 mo	$500	1.21%	1.22%
12 mo	$500	1.38%	1.39%
18 mo	$500	1.64%	1.65%
24 mo	$500	2.23%	2.25%
36 mo	$500	2.65%	2.68%
60 mo	$500	2.83%	2.86%
72 mo	$500	3.03%	3.06%

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

About HSAs

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Average Minimum Balance	Rate	APY*
No Minimum Balance	0.60%	0.60%

HSA Certificates

About HSAs

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Term	Minimum Opening Balance	Rate	APY*
12 mo	$500	1.40%	1.41%
36 mo	$500	2.70%	2.73%
60 mo	$500	2.90%	2.93%

Minimum to open a standard-term HSA Certificate is $500, 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.

Disclosure

*APY = Annual Percentage Yield. APY accurate as of May 22, 2023. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice.