Credit union · NCUA insured
TCU Savings Rates
TCU’s best savings rate is 0.35% APY on $10,000, with its Gold Savers. Rates checked November 6, 2026.
How TCU’s savings rates compare
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s best
TCU
0.35%APY
- Minimum
- $500
- Earns on $10,000 a year
- $35
Gold Savers
Find the best savings rates →
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Gold Savers
0.35%APY
Must have a basic savings/shares account. $500 minimum required to open. 5 free withdrawals per month. Rates are dependent on tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Tier 1. All rates listed as APY. | 0.25% | — | Tier 1. All rates listed as APY. |
| $10,000 – $25,000Tier 2. All rates listed as APY. | 0.35% | $35 | Tier 2. All rates listed as APY. |
| $25,000 – $50,000Tier 3. All rates listed as APY. | 0.50% | — | Tier 3. All rates listed as APY. |
| $50,000 – $100,000Tier 4. All rates listed as APY. | 1.00% | — | Tier 4. All rates listed as APY. |
| $100,000 – $200,000Tier 5. All rates listed as APY. | 1.50% | — | Tier 5. All rates listed as APY. |
| $200,000 and upTier 6. All rates listed as APY. | 2.00% | — | Tier 6. All rates listed as APY. |
Regular Shares Savings Account
0.10%APY
Base account required for membership. Must reside or work in Barry County or neighboring counties. No monthly service fee. ATM card included. Special Savings subaccounts available. Minimum $100 balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividends. All rates listed as APY.$100 and up | 0.10% | $10 | Minimum $100 balance to earn dividends. All rates listed as APY. |
Special Shares
0.10%APY
Create separate Special Savings subaccounts to conveniently keep finances separate and make budgeting easier. Base account required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividends. All rates listed as APY.$100 and up | 0.10% | $10 | Minimum $100 balance to earn dividends. All rates listed as APY. |
Special-purpose accounts
IRA Shares
3.04%APY
Must have a basic savings/shares account. Must be opened in person due to signature requirements. Types offered: Traditional IRA, Roth IRA, Educational IRA, Inheritance IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll rates listed as APY.Any balance | 3.04% | $304 | All rates listed as APY. |
Health Savings Account (HSAs)
0.50%APY
Must have a basic savings/shares account. Must be covered under an HSA-compatible high deductible health plan (HDHP), not enrolled in Medicare, and cannot be claimed as a dependent on another person's tax return. Minimum $100 balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividends. All rates listed as APY.$100 and up | 0.50% | $50 | Minimum $100 balance to earn dividends. All rates listed as APY. |
Club Accounts
0.20%APY
Must have a regular savings/shares account. Includes Christmas Club (funds released Nov 1), Tax Club (winter taxes released Jan 31, summer taxes released Aug 31), and Vacation Club (funds released May 31). No early withdrawal fee if funds released before release dates. Minimum $100 balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividends. All rates listed as APY.$100 and up | 0.20% | $20 | Minimum $100 balance to earn dividends. All rates listed as APY. |
TCU savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Who can join TCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Barry County or counties surrounding Barry County.
Membership information collected October 5, 2026.