Rates

TCCU consistenly 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.


Loan Rates (as Low As)  
   A.P.R.
Automobile 2.490%
Signature 6.900%
Vacation 6.900%
Recreational 2.490%

 

Checking Account Dividends  Rate A.P.Y. Min. Balance
Kasasa Cash Checking      
Up to $10,000 3.450% 3.510%  
Over $10,000 0.240% 0.250%  
Non-Qualifying Accounts 0.049% 0.050%  
Kasasa Giving Checking      
Up to $2500 1.000% 1.000%  
Over $2500 0.250% 0.250%  
Non-Qualifying Accounts 0.049% 0.050%  
Kasasa Cash Back Checking      
Up to $400 in purchases 3.000% 3.000%  
Non-Qualifying Accounts 0.000% 0.000%  

 

Savings Rate A.P.Y. Min. Balance
Regular Savings 0.100% 0.100% $100.00
Christmas Club 0.100% 0.100% $100.00
IRA Savings 0.750% 0.752% $100.00
       
Money Market Accounts      
MMA Savings < $2,500.00 0.100% 0.250% $100.00
MMA Savings > $2,500.00 0.100% 0.250% $2,500.00
       
MMA Gold (All Balances) 0.250% 0.250%  $100.00
       

 

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 0.500% 0.501% $1,000.00
2 Year 1.000% 1.005% $1,000.00
3 Year 1.500% 1.510% $1,000.00
4 Year 1.600% 1.612% $1,000.00
5 Year 1.750% 1.764% $1,000.00

 

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:

 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.