Park your money in a safe place and earn some of the best interest rates around! A Money Market Account or Share Certificates are great options if you’re looking for a step up from a traditional savings account. These popular short term savings vehicles provide a safe way to earn interest and grow your money over time. Make your money soar with our recently increased Money Market account and share certificate rates!

What is a Money Market Account?

A Money Market Account is a type of savings account that typically pays a higher interest rate and has a higher minimum balance than a traditional savings account. This account offers you the flexibility to access your funds by writing checks or using your debit card. If you are looking for a safe place to park your money and earn a better interest rate, consider a TFCU Money Market:
  • Minimum balance as low as $2,500
  • Access to funds with up to three monthly $500 minimum withdrawals
  • Tiered rates, providing higher balances with even higher rates


What is a Share Certificate?

A Share Certificate is an account that pays a certain dividend if held for a specific period or term. Funds are not "liquid," as a penalty is usually assessed if any portion of the principal is withdrawn before maturity. The certificate typically offers you a higher interest rate than a Money Market account or Regular Savings account. If you are looking for a safe place to park your money and earn a better interest rate, consider a TFCU Regular Share Certificate:
  • Terms from 6 months to 60 months
  • Minimum deposit of $1,000
  • Dividends are compounded and paid quarterly
  • Early withdrawal penalties apply and vary by the length of the investment

Other share certificate options include Jumbo Share certificate for larger investment amounts and Six-month Affordable and First Step Share certificate for those new to share certificate accounts.

Rates are subject to change without notice. Minimum deposit/balance and withdrawal restrictions apply. See account specific disclosure for details. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

Share Savings Rates (Last Modified: Feb 28, 2018)

Share TypeMinimum DepositDividend RateAnnual Percentage Yield (APY)
Regular Share and Club Accounts$5.00.10%.10%
Money Market Accounts$2,500 - $9,999.50%.50%
$10,000 - $19,999.55%.55%
$20,000 - $49,999.60%.60%
$50,000 and over.70%.70%
Convenience & On the Move
Checking Accounts
No minimum required.05%.05%
Traditional and Roth IRA, Coverdell Education Savings Account$25.00.35%.35%

Share savings rates are variable and are declared monthly by the Board of Directors. Rates shown are the most recent as of the above effective date. Dividends are paid and compounded monthly, and are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Please refer to our Truth in Savings disclosure for further details. Fees could reduce earnings.

Share Certificate Rates (Last Modified: Feb 28, 2018)

TermMinimum DepositDividend RateAnnual Percentage Yield (APY)
12 Month First Step$25.00*.35%.35%
Six month Affordable$250.90%.91%
Six month Money Market$1,0001.00%1.00%
1-Year Share Certificate$1,0001.60%1.61%
2-Year Share Certificate$1,0001.80%1.81%
3-Year Share Certificate$1,0002.00%2.02%
4-Year Share Certificate$1,0002.20%2.22%
5-Year Share Certificate$1,0002.60%2.62%

* Requires regular minimum monthly deposits of $25.00 until maturity date