Watch your funds grow
Share Certificates, also known as certificates of deposit, are a great way to grow your savings. If you won't need access to your savings for a fixed amount of time, TCT Share Certificates let you earn guaranteed dividends throughout your certificate's term. Find out which choice is best for you by checking out the options below.
Our 6-Month Special is available offering a higher rate for a Certificate with a 6-month term.
| Share Certificate | |||||
| Effective Date: Monday, May 29th, 2023 | |||||
| Account Type | Term | Minimum to Open | Early Withdrawal Penalty (Days of Dividend) | Dividend Rate (Fixed Rate) | Annual Percentage Yield (APY) |
| 6-Month Special | 6 Month | $1,000 | 30 | 2.47% | 2.50% |
| 6 Month | $25,000 | 30 | 2.96% | 3.00% | |
| For additional information refer to the 6-Month Special Truth in Savings Disclosure. | |||||
| Regular and IRA | 6 Month | $1,000 | 30 | 0.25% | 0.25% |
| 9 Month | $1,000 | 60 | 0.30% | 0.30% | |
| 12 Month | $1,000 | 60 | 0.35% | 0.35% | |
| 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% | |
| Savvy Saver Regular and IRA | 7 Month | $1,000 | 30 | 1.39% | 1.40% |
| 13 Month | $1,000 | 60 | 0.50% | 0.50% | |
| 60 Month | $1,000 | 180 | 0.65% | 0.65% | |
For additional information refer to the Truth in Savings Disclosure for Certificate Accounts. | |||||
Questions?
While we hope you find the information you need online, we want to assure you that TCT is more than a website. We're your credit union, and we look forward to helping you. Call us at 1-800-721-8288 for friendly, local assistance or stop by one of our branches for personal service.
