Learn how THCU protects your funds

Member Investments and Savings Rates

(Revised 10/1/2021)

TYPE TERM MINIMUM RATE APY

Certificates (CDs)

A penalty may be imposed for early withdrawal.

3 Months $1,000 0.05% 0.05%
6 Months $1,000 0.25% 0.26%
12 Months $1,000 0.35% 0.36%
24 Months $1,000 0.35% 0.36%
36 Months $1,000 0.45% 0.46%

IRA Certificates

A penalty may be imposed for early withdrawal.

6 Months $1,000 0.25% 0.26%
12 Months $1,000 0.35% 0.36%
24 Months $1,000 0.35% 0.36%
36 Months $1,000 0.45% 0.46%

IRA Savings

Rate Period Oct. 1st to Dec. 31st

$100 0.35% 0.36%

Health Savings

Rate Period Oct. 1st to Dec. 31st

$25 0.05% 0.06%

Money Market

$2,500 minimum balance required to open
Rate Period Oct. 1st to Oct. 31st

$0-$2,499.99 0.01% 0.02%
$2,500 and Over 0.35% 0.36%

Christmas Club

Rate Period Oct. 1st to Dec. 31st

$25 0.10% 0.11%

Premier Business Checking

$100 minimum balance required to open
Rate Period July 1st to Sept 30th

$10,000 and Over 0.05% 0.06%

Checking Accounts

$25 minimum balance required to open
Rate Period Oct. 1st to Dec. 31st

$1,000 and Over 0.01% 0.02%

Savings Accounts

(Shares)
$25 minimum balance required to open
Rate Period Oct. 1st to Dec. 31st
Paid Jan. 1, 2022

$100-$4,999.99 0.05% 0.06%
N/A $5,000-$9,999.99 0.15% 0.16%
N/A $10,000 and Over 0.25% 0.26%

U.S. Treasury Information

Date of Last Change:
T-Bill Oct. 4, 2021
Prime Mar 16, 2020

N/A 3 Month T-Bill 0.040%
N/A 6 Month T-Bill 0.055%
N/A Prime Rate 3.25%

 

APY is Annual Percentage Yield. All rates shown, except CDs, are paid on an average daily balance. The interest rate and annual percentage yield may change for your account as determined by the credit union board of directors. Earnings may be reduced by fees or other conditions. Ask an employee for information on applicable fees and terms for each account.

NCUA and ESI

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 $250,000 of protection through ESI (Excess Share Insurance). This additional layer of coverage forms the highest level of federal and private account protection available.

NCUA: Federally Insured by the National Credit Union Admin.
ESI: Excess Share Insurance