Deposit Products

Rates are current as of 08/11/17

Savings, Checking & Money Markets

 Current Dividend RateAnnual Percentage Yield
Regular, Surplus, Passbook & IRA Shares*
Tier I0.05%0.05%
Tier II0.15%0.15%
Club Accounts0.00%0.00%
Holiday Savers Club0.00%0.00%
Money Markets**, Consumer, Business & IRAS+
Tier I
(balances up to $2,500)
0.10%0.10%
Tier II
(balances between $2,500.01 to $25,000)
0.15%0.15%
Tier III
(balances between $25,000.01 to $50,000)
0.20%0.20%
Tier IV
(balances between $50,000.01 to $75,000)
0.30%0.30%
Tier V
(balances between $75,000.01 to $100,000)
0.30%0.30%
Tier VI
(balances between $100,000.01 to $250,000)
0.30%0.30%
Tier VII
(balances greater than $250,000)
0.35%0.35%
Checking Accounts
Direct Rewards CheckingN/AN/A
Standard Rewards CheckingN/AN/A
Thrifty Fifty Rewards CheckingN/AN/A
Business CheckingN/AN/A
Student Rewards CheckingN/AN/A
*Regular, passbook, surplus, and IRA shares require an average minimum daily balance of $5.00 for Tier I shares and $100.00 for Tier II shares respectively in order to obtain the quoted annual percentage yield. No dividends will be earned on shares with an average daily balance less than $5.00. **If the average daily balance falls below the minimum balance required within any Tier, the rate given will be the rate then in effect for the current balance in the account. Only 3 withdrawals are allowed per month from any of our money market accounts. +Eligible Business Entities include: Corporations, Partnerships, D/B/A’s and Associations. ***All members who are 18 years of age or older and have had an account in good standing with TFCU for at least 90 days will automatically be enrolled in the Overdraft Advance program. Not available on the Student Rewards Checking account. Dividends are compounded and credited monthly. See fee schedule for details on all of our deposit products. Please ask for our disclosure brochure for more details. Rates are subject to change without notice. 

 

 

Term Share Certificates

Term Share CertificatesCurrent Dividend RateAnnual Percentage Yield
3 Month0.25%0.25%
6 Month0.30%0.30%
12 Month0.60%0.60%
12 Month Money Maker Payroll Deduction*0.65%0.65%
12 Month Money Maker Plus**0.70%0.70%
16 Month***1.49%1.50%
18 Month0.70%0.70%
24 Month1.09%1.10%
36 Month1.190%1.20%
48 Month1.54%1.55%
60 Month1.64%1.65%
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. Minimum deposit of $250.00. 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. Minimum deposit to open the term share certificate is $250.00. This 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). ***APY is Annual Percentage Yield. 15 Month Certificate with an APY of 1.50% and a dividend rate of 1.49% is accurate as of 6/16/17 and is subject to change without notice. An early withdrawal penalty may be imposed if certificate is redeemed prior to maturity. The penalty for a 16 month certificate is 9 months interest regardless of when, prior to maturity, you redeem the certificate. Dividends compounded monthly. Limited Time Only. Limit one 16 Month Certificate per social security number with a minimum balance of $250 not currently on deposit at TFCU. Valid on personal accounts only. No business or institutional funds will be accepted. Coupons are not valid on the 16 Month Certificate. Upon maturity, 16 Month Certificate, unless otherwise notified during the grace period, will automatically roll over into an 18 month certificate.

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