UPCOMING HOLIDAY CLOSURE: TCT Branches will be closed on Saturday, May 25 & Monday, May 27 for Memorial Day.  You can do many banking transactions with DIY Banking.

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Savings Rates

TCT FCU Savings Rates

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Share Savings
Effective Date: Sunday, May 26th, 2024
Account TypeAverage Daily Balance to Earn APYDividend RateAnnual Percentage Yield (APY)
Share Savings Account $5.00 Minimum to open 0.10% 0.10%
Sub-Share 'Club' Account N/A 0.10% 0.10%
IRA Shares: Traditional and Roth Up to $50,000 0.25% 0.25%
  $50,000.01 – $100,000 0.25% 0.25%
  $100,000.01 – $150,000 0.35% 0.35%
  $150,000.01 – $250,000 0.35% 0.35%
  Over $250,000 0.45% 0.45%

For Share Savings, Sub-Share, IRA Share, Regular Money Market and Money Market Special Accounts there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. Dividend Period is the calendar month. Rates and yields for these accounts may change monthly as determined by the Credit Union’s Board of Directors. Please refer to the Truth in Savings Disclosure for additional information.

Money Market Savings
Effective Date: Sunday, May 26th, 2024
Account TypeAverage Daily Balance to Earn APYDividend RateAnnual Percentage Yield (APY)
Regular Money Market Account $500 – $9,999.99 0.15% 0.15%
  $10,000 – $24,999.99 0.15% 0.15%
  $25,000 – $49,999.99 0.20% 0.20%
  $50,000 and above 0.25% 0.25%
Money Market Special $60,000 and above 0.35% 0.35%

*Regular Money Market Accounts allow 4 free withdrawals per month. $5.00 fee for each withdrawal after 4.
**Money Market Special Accounts allow 2 free withdrawals per month. $10.00 fee for each withdrawal after 2. If your average daily balance falls below $60,000 you will earn our highest regular money market rate. If the balance falls below $60,000 you will have 30 days to bring your account back to at least $60,000 to maintain the special account designation.

For Share Savings, Sub-Share, IRA Share, Regular Money Market and Money Market Special Accounts there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. Dividend Period is the calendar month. Rates and yields for these accounts may change monthly as determined by the Credit Union’s Board of Directors. Please refer to the Truth in Savings Disclosure for additional information.

Share Certificate
Effective Date: Sunday, May 26th, 2024
Account TypeTermMinimum to OpenEarly Withdrawal Penalty (Days of Dividend)Dividend Rate (Fixed Rate)Annual Percentage Yield (APY)
6-Month Special 6 Month $1,000 30 3.54% 3.60%
For additional information refer to the Truth-in-Savings Disclosure - 6-Month Certificate Special
Regular and IRA 6 Month $1,000 30 0.25% 0.25%
  7 Month $1,000 30 1.39% 1.40%
  9 Month $1,000 60 0.30% 0.30%
  12 Month $1,000 60 0.35% 0.35%
  13 Month $1,000 60 0.50% 0.50%
  18 Month $1,000 90 0.50% 0.50%
  24 Month $1,000 90 0.55% 0.55%
  36 Month $1,000 90 0.60% 0.60%
  60 Month $1,000 180 0.65% 0.65%

For additional information refer to the Truth in Savings Disclosure for Certificate Accounts.
The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.

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Referral Rewards

Now that you’re a TCT Member, your immediate family members are also eligible to join. For each new member you refer to TCT, we’ll deposit $5 into your account.

Refer a Member

Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist. 

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