Rates

Savings | Share IRA | Checking | Money Market | Share and IRA Certificates

The Dividend Rates and Annual Percentage Yields (APY) are as of the last dividend declaration date. Rates are subject to change without notice. For all accounts except certificates, the Dividend Rate and APY may change at any time as determined by the board of directors. Rates are effective April 1, 2024.

Regular or Secondary Savings

  
    Balance
    Dividend Rate
    APY**
  

    $0.01 and up
    0.10%
    0.10%
  

Balance	Dividend Rate	APY**
$0.01 and up	0.10%	0.10%

Dormant Account Fees could reduce the earnings on the account. (Dormant Account Fees are assessed after one year of non activity.)
Membership in Total Choice Federal Credit Union (TCFCU) is a requirement to be eligible for all products, services and special offers.
One time membership fee of $5.00 to open a TCFCU Savings/Share Accounts.

Christmas Club

  
    Balance
    Dividend Rate
    APY**
  

    $0.01 and up
    0.10%
    0.10%
  

Balance	Dividend Rate	APY**
$0.01 and up	0.10%	0.10%

  
    Balance
    Dividend Rate
    APY**
  

    $0.01 and up
    0.30%
    0.30%
  

Balance	Dividend Rate	APY**
$0.01 and up	0.30%	0.30%

Minimum opening balance required is $250.00.
Early Withdrawal Penalties could reduce the earnings on account.

Checking

  
    Balance
    Dividend Rate
    APY**
  

    $0.01 and up
    0.025%
    0.025%
  

Balance	Dividend Rate	APY**
$0.01 and up	0.025%	0.025%

Monthly Checking Account Fees and Overdraft Charges could reduce the earnings on this account.
Minimum opening balance required is $50.00.

Money Market

  
    Balance
    Dividend Rate
    APY**
  

    $0.01 - $9,999.99
    0.025%
    0.025%
  

    $10,000.00 and up
    0.050%
    0.050%
  

Balance	Dividend Rate	APY**
$0.01 - $9,999.99	0.025%	0.025%
$10,000.00 and up	0.050%	0.050%

Minimum opening balance required is $10,000.00.
Dividends are only paid on the 1st of each month and are based on the average daily balance.
There are no penalties for early withdrawal.
Monthly Checking Account Fees and Overdraft Charges could reduce the earnings on this account.

Share and IRA Certificates effective 4/01/2024

  
    Term
    Dividend Rate
    APY**
  

Months
50%
56%
  

Months
00%
18%
  

Months
80%
84%
  

Months
95%
98%
  

Term	Dividend Rate	APY**
6 Months	3.50%	3.56%
12 Months	5.00%	5.18%
24 Months	2.80%	2.84%
36 Months	2.95%	2.98%

Minimum $250.00 on IRA certificates. Minimum $1000.00 Share Certificates. Note: Early withdrawal penalties do apply to certificates.