Term Share & IRA Certificates

Rates are current as of 10/16/2020
Term Share CertificatesCurrent Dividend RateAnnual Percentage Yield 
3 Month0.20%0.20%
6 Month0.40%0.40%
9 Month0.40%0.40%
12 Month0.45%0.45%
12 Month Money Maker Payroll Deduction*0.50%0.50%
12 Month Money Maker Plus**0.55%0.55%
18 Month 0.50%0.50%
24 Month0.75%0.75%
36 Month0.90%0.90%
48 Month1.09%1.10%
60 Month1.29%1.30%

APY is Annual Percentage Yield. Unless otherwise specified, the minimum Deposit on Certificates is $250.00. Dividends are compounded & credited monthly. The dividend rate & APY are subject to change. Deposits may be subjected to early withdrawal penalties.
*MONEY MAKER Certificate: Minimum payroll deposit for weekly payroll is $25.00, biweekly payroll $50.00 and monthly payroll is $100.00. If payroll is not going into account within 90 days, the rate paid will correspond with the appropriate savings account rate, which will be based on the balance in the account. Certificate can only be opened with an existing payroll or ACH at TFCU. Not valid for qualified funds (IRA).
**MONEY MAKER PLUS Certificate: Minimum payroll deposit for weekly payroll is $100.00, biweekly payroll $200.00 and monthly payroll is $400.00. Maximum contribution allowed per pay period is 50% of total direct deposit amount coming into TFCU. If payroll is not going into account within 90 days, the rate paid will correspond with the appropriate savings account rate, which will be based on the balance in the account. The minimum balance requirement is waived for TFCU at Work participants. Certificate can only be opened with an existing payroll or ACH at TFCU. Not valid for qualified funds (IRA).

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