Member Investments and Savings Rates

(Revised 1/1/2019)

TYPE TERM MINIMUM RATE APY

Certificates (CDs)

A penalty may be imposed for early withdrawal.
Call for quotes on amounts over $50,000

3 Months $1,000 0.65% 0.65%
6 Months $1,000 0.75% 0.76%
12 Months $1,000 1.25% 1.26%
24 Months $1,000 1.50% 1.51%
36 Months $1,000 1.75% 1.76%

IRA Certificates

A penalty may be imposed for early withdrawal.
Call for quotes on amounts over $50,000

6 Months $1,000 0.75% 0.76%
12 Months $1,000 1.25% 1.26%
24 Months $1,000 1.50% 1.51%
36 Months $1,000 1.75% 1.76%

IRA Savings

Rate Period January 1st to March 31st

N/A $100 0.75% 0.76%

Health Savings

Rate Period January 1st to March 31st

N/A $125 0.50% 0.51%

Money Market

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

N/A $0-$2,499.99 0.05% 0.06%
N/A $2,500 and Over 0.75% 0.76%

Christmas Club

Rate Period January 1st to March 31st

N/A $25 0.35% 0.36%

Premier Business Checking

$100 minimum balance required to open
Rate Period January 1st to March 31st

N/A $10,000 and Over 0.25% 0.26%

Checking Accounts

$25 minimum balance required to open
Rate Period January 1st to March 31st

N/A $1,000 and Over 0.10% 0.11%

Savings Accounts

(Shares)
$25 minimum balance required to open
Rate Period January 1st to March 31st
Paid April 1, 2019

N/A $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 Information

Date of Last Change:
T-Bill January 2, 2019
Prime December 20, 2018

N/A 3 Month T-Bill 2.465%
N/A 6 Month T-Bill 2.505%
N/A Prime Rate 5.50%

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.