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Share Certificates
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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 Fall Certificate Special is available as of September 1st, offering a higher rate for a 9-month term. 
Get an even better return on bigger balances with our Rate Bump Option.  

Share Certificate
Effective Date: Monday, October 3rd, 2022
Account TypeTermMinimum to OpenEarly Withdrawal Penalty (Days of Dividend)Dividend Rate (Fixed Rate)Annual Percentage Yield (APY)Rate Bump Option Dividend Rate (Fixed Rate)*Rate Bump Option Annual Percentage Yield (APY)*
9-Month Fall Special 9 Month $75,000 60 1.24% 1.25% 1.49% 1.50%
  9 Month $100,000 60 1.49% 1.50% 1.74% 1.75%
  9 Month $250,000 60 1.98% 2.00% 2.23% 2.25%

*Rate Bump Option requires an additional deposit of new money (non-TCT funds) of $25,000.00 within 90 days of the initial deposit.

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 0.75% 0.75%    
  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.
The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.

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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.

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