Savings

Open a Savings account today to become a member and an owner of TFCU. Your deposit of $5 is all it takes to start enjoying the benefits of membership and earning dividends.

Regular Savings

Regular Savings is our basic savings account, providing everything you need with immediate access to our other great products and services.

  • Minimum balance required is a low $5
  • Earn dividends
  • Free access to all Online and Mobile Banking products, including Apps

Regular Savings

  • Minimum $5.00 0.05% APY*
Rates are accurate as of December 1, 2018

*Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings.

Youth Savings

It’s never too early to start saving! We offer two youth accounts for our youngest members, both designed to create smart saving habits.

PiggyBucksClub
Piggy Bucks Club
  • For members ages 0-7.
  • Each in-branch deposit is rewarded with a toy.**
  • Each punched Piggy Buck can be redeemed in-branch for a $1 gold coin.
  • New members receive a piggy bank, adoption certificate, and a punched Piggy Buck.
Smart Savers
Smart Savers Club
  • For members ages 8-13.
  • New members receive a Smart Savers Punch Card.
  • Members receive an email greeting on their birthday.
  • Every cash deposit of $10 or more results in a punch on the Smart Savers Punch Card.**
  • After five punches, completed punch cards can be entered into a quarterly drawing for two $100 Visa gift cards.***

YOUTH SAVINGS

  • Minimum $5.00 0.05% APY*
Rates are accurate as of December 1, 2018

*Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings.

**ACH transfers do not qualify for toys or Smart Savers Punch Card punches. Toys and Smart Savers punches are only to be given at the time deposits are made. Limit 20 punches per day. Split deposits do not qualify for a punch.
***This drawing is open to current legal U.S. residents 8-13 years of age, and is void where prohibited by law. Employees, board members, and associates of TFCU and their household family members are not eligible. No purchase or action is necessary to enter, a 3×5 postcard with the entrant’s name, address, phone number, and must be mailed to TFCU c/o Robyn Austin and received no later than two weeks prior to drawing date, entry will be voided if not completely filled out, not legible, lost or not received on time.

Clubs

Save up for those holiday gifts or even a dream vacation. Club accounts are great way to reach specific goals and excellent for automatic transfers or payroll deductions.

  • Ideal for special savings goals
  • Assign unique names and features to each account
  • Minimum balance required is $0.01
  • Earn dividends
  • You need only a Savings account to open your Club

CLUBS

  • Minimum $0.01 0.05% APY*
Rates are accurate as of December 1, 2018

*Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings.

IRAs

We offer two types of IRAs (Individual Retirement Arrangements), so you can choose the plan that’s right for you.

Traditional or Regular IRAs

  • Contributions may be deducted from your federal income taxes
  • Your balance and earnings are taxed when you withdrawal your funds*

Roth IRAs

  • Contributions may not be deducted from your federal income taxes
  • Allows you a tax-free withdrawal under certain circumstances*

*See your tax advisor for details.

Regular & Roth IRAs

  • Minimum $100.00 0.35% APY*
Rates are accurate as of December 1, 2018

*Annual Percentage Yield. Rates subject to change without notice.

Fees may reduce earnings. TFCU’s Traditional and Roth Individual Retirement Accounts (IRAs) are insured up to $250,000 by the National Credit Union Administration.

Effect January 1, 2015, IRA owners are now limited to one rollover per IRA owner per calendar year, regardless of the number of IRAs they may have. Click here or call a TFCU representative for details.

Money Markets

It’s smart to invest in a money market account. You earn excellent dividends on your balances, in fact, more than a share savings account. Keep the bulk of your money in this account for the extra earnings.

  • You must maintain a $2,500 account balance to receive full dividends**
  • Six (6) check or electronic transactions per month
  • Unlimited in-branch transactions

MONEY MARKETS

  • Minimum $2,500.00 0.10% APY*
  • Minimum $10,000.00 0.10% APY*
  • Minimum $25,000.00 0.15% APY*
  • Minimum $50,000.00 0.15% APY*
  • PREMIER MONEY MARKETS
    Premier Accounts start at $75k
  • Minimum $75,000.00 0.18% APY**
Rates are accurate as of December 1, 2018

*Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings.
**Premier Money Market Accounts require a $75,000 minimum balance at all times to receive dividends.

Certificates

Open a Share or IRA Certificate for higher annual dividend rates compared to a Savings account.
  • Flexible terms ranging from 180 days to five (5) years
  • Low minimum opening deposit
  • Longer terms earn higher dividends
  • Monthly dividends can be compounded or transferred to another account

SHARE/IRA CERTIFICATES

  • 180 day Minimum $1,000.00 0.30% APY*
  • 1 year Minimum $500.00 0.45% APY*
  • 2 year Minimum $500.00 0.80% APY*
  • 3 year Minimum $500.00 1.16% APY*
  • 4 year Minimum $500.00 1.30% APY*
  • 5 year Minimum $500.00 1.55% APY*
Rates are accurate as of December 1, 2018

*Annual Percentage Yield. A penalty will be imposed for early withdrawal.

Schedule your appointment with one of our Member Service Representatives today; call (520) 795-8520 or visit one of our branch locations.

WHAT OUR MEMBERS SAY ABOUT US
Great customer service. Awesome being greeted by whole staff. :) I love my TFCU. - Barb T.
They took time to listen to my needs and made my experience something worth talking about. - Elizabeth A.
I am always so happy I have left my big bank. TFCU is wonderful! - Samantha S.
Misty, Diane, and Taunia are the best in my book. They are always nice when I call in. It is great doing business with TFCU. - Ian B.
I love my credit union. Alex, Matt, and Joe are all amazing! - Barb B.