Member Investments and Savings Rates
(Revised 01/01/2023)
| TYPE | TERM | MINIMUM | RATE | APY |
|---|---|---|---|---|
Certificates (CDs)A penalty may be imposed for early withdrawal. |
3 Months | $1,000 | 0.50% | 0.50% |
| 6 Months | $1,000 | 0.75% | 0.76% | |
| 12 Months | $1,000 | 1.00% | 1.01% | |
| 24 Months | $1,000 | 1.25% | 1.26% | |
| 36 Months | $1,000 | 1.50% | 1.51% | |
IRA CertificatesA penalty may be imposed for early withdrawal. |
6 Months | $1,000 | 0.75% | 0.76% |
| 12 Months | $1,000 | 1.00% | 1.01% | |
| 24 Months | $1,000 | 1.25% | 1.26% | |
| 36 Months | $1,000 | 1.50% | 1.51% | |
IRA SavingsRate Period Jan. 1st to Mar. 31st |
$100 | 1.00% | 1.01% | |
Health SavingsRate Period Jan. 1st to Mar. 31st |
$25 | 0.25% | 0.26% | |
Money Market$2,500 minimum balance required to open |
$0-$2,499.99 | 0.05% | 0.06% | |
| $2,500 and Over | 1.00% | 1.01% | ||
Christmas ClubRate Period Jan. 1st to Mar. 31st |
$25 | 0.40% | 0.41% | |
Premier Business Checking$100 minimum balance required to open |
$10,000 and Over | 0.10% | 0.11% | |
Checking Accounts$25 minimum balance required to open |
$1,000 and Over | 0.05% | 0.06% | |
Savings Accounts(Shares) |
$100-$4,999.99 | 0.25% | 0.26% | |
| N/A | $5,000-$9,999.99 | 0.40% | 0.41% | |
| N/A | $10,000 and Over | 0.50% | 0.51% | |
U.S. Treasury InformationDate of Last Change: |
N/A | 3 Month T-Bill | 4.410% | |
| N/A | 6 Month T-Bill | 4.635% | ||
| N/A | Prime Rate | 7.50% |
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.
