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 23, 2025.

Regular or Secondary Savings

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%

Share IRA

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%

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 0.10% 0.10%
$10,000.00 and up 0.25% 0.253%

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 4/23/2025

Term Dividend Rate APY**
6 Months 3.25% 3.30%
12 Months 3.30% 3.35%
24 Months 2.75% 2.78%
36 Months 2.80% 2.84%

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