TCCU consistently has lower than market average lending rates and higher than average deposit rates. If you are shopping for a loan or have money to deposits, then TCCU is the place for better than average deals.

Checking Account Dividends RateA.P.Y.
Cashtastic Checking**   
Qualifying Up to $10,0003.450%3.510% 
Qualifying Over $10,0000.240%0.250% 
Non-Qualifying Accounts0.049%0.050% 
Cash Back Checking**
Qualifying up to $400 in purchases3.000%3.000% 
Non-Qualifying Accounts0.000%0.000% 
SavingsRateA.P.Y.Min. Balance
Regular Savings0.100%0.100%$100.00
Christmas Club0.100%0.100%$100.00
IRA Savings0.750%0.752%$100.00
Money Market – Paid Monthly
MMA Savings 0.100%0.100%$100.00
MMA Gold0.100%0.100%$10,000.00
Certificates of Deposit Rate A.P.Y. Min. Balance
3 Month 0.100% 0.100% $1,000.00
6 Month 0.250% 0.250% $1,000.00
1 Year 0.350% 0.351% $1,000.00
2 Year 0.500% 0.501% $1,000.00
3 Year 0.600% 0.602% $1,000.00
4 Year 0.650% 0.652% $1,000.00
5 Year 0.750% 0.753% $1,000.00

APY: Annual Percentage Yield. Fee could reduce earnings. Penalties may be imposed for early withdrawal.

**If meeting the qualification requirements of account (Learn More).

Early withdrawal penalties on Certificates of Deposit have changed, effective January 1, 2017. Current policies appear in your account handbook, chapter 6.95, Certificates of Deposit, section d.

Changes are underlined and bolded:

(d) EARLY WITHDRAWAL PENALTIES – A penalty may be imposed for withdrawals before maturity. We may require the maturity of the entire certificate. If your account:

  • has an original maturity of more than 185 days, but less than 731 days, the penalty we may impose will equal 180 days interest on the amount withdrawn subject to penalty.
  • has an original maturity of more than 731 days, the penalty we may impose will equal 365 days interest on the amount withdrawn subject to penalty, whether earned or not.

There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. If this account is part of an IRA or other tax qualified plan no penalty is assessed for one Minimum Mandated Withdrawal annually. One withdrawal per year or during the life of the certificate may be made to pay for major medical expenses for an owner of the account. Verification of major medical expenses or check payable to the provider of medical services may be required.

For any account which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.