Member Investments and Savings Rates
(Revised 09/24/2025)
Savings Accounts
| SAVINGS ACCOUNTS | BALANCE | RATE | APY* | DIVIDENDS |
|---|---|---|---|---|
Regular Savings (Shares) |
$100-$4,999.99 | 0.25% | 0.25% | Quarterly |
| $5,000-$9,999.99 | 0.40% | 0.40% | Quarterly | |
| $10,000+ | 0.50% | 0.50% | Quarterly | |
Money Market |
up tp $2,499.99 | 0.05% | 0.05% | Monthly |
| $2,500+ | 2.50% | 2.52% | Monthly | |
Christmas Club |
$25+ | 1.00% | 1.01% | Quarterly |
Health Savings |
$25+ | 0.75% | 0.75% | Quarterly |
IRA Savings |
$100+ | 2.50% | 2.52% | Quarterly |
CERTIFICATES (INCLUDES IRA)
| CERTIFICATES (INCLUDES IRA) | BALANCE | RATE | APY* | DIVIDENDS |
|---|---|---|---|---|
3-Month |
$1,000-$49,999.99 | 1.75% | 1.76% | Quarterly |
| $50,000+ | 2.25% | 2.27% | Quarterly | |
6-Month |
$1,000-$49,999.99 | 2.75% | 2.78% | Quarterly |
| $50,000+ | 3.25% | 3.29% | Quarterly | |
1-Year |
$1,000-$49,999.99 | 3.00% | 3.03% | Quarterly |
| $50,000+ | 3.50% | 3.54% | Quarterly | |
2-Year |
$1,000-$49,999.99 | 3.00% | 3.03% | Quarterly |
| $50,000+ | 3.50% | 3.54% | Quarterly | |
3-Year |
$1,000-$49,999.99 | 2.75% | 2.78% | Quarterly |
| $50,000+ | 3.25% | 3.29% | Quarterly |
Checking Accounts
| CHECKING ACCOUNTS | BALANCE | RATE | APY* | DIVIDENDS |
|---|---|---|---|---|
Regular Checking |
$1,000+ | 0.10% | 0.10% | Monthly |
Money Market Checking |
up to $2,499.99 | 0.05% | 0.05% | Monthly |
| $2,500+ | 2.50% | 2.52% | Monthly | |
Premier Business Checking |
$10,000+ | 0.15% | 0.15% | Monthly |
*All rates and information are subject to change. APY is Annual Percentage Yield. Early withdrawal penalties may apply. Fees could reduce earnings.
NCUA and ESI
We are pleased to inform you that as of July 1, 2025 your savings in this credit union are protected up to $1,000,000 - the highest level of combined federal/private savings insurance available.
THCU accounts are insured up to $250,000 by the National Credit Union Administration. The NCUA is an independent agency of the United States Government.
Each qualifying account is also provided with an additional $750,000 of protection through ESI (Excess Share Insurance). This additional layer of coverage forms the highest level of federal and private account protection available.
