Credit union · NCUA insured
Teachers Credit Union Beloit Savings Rates
Teachers Credit Union Beloit’s best savings rate is 0.25% APY on $10,000, with its Share Savings. Rates checked October 5, 2026.
How Teachers Credit Union Beloit’s savings rates compare
Compared with banks and credit unions near Janesville, WI, where Teachers Credit Union Beloit has the most branches. $10,000, best rate first.
This credit union’s best
Teachers Credit Union Beloit
0.25%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $25
Share Savings
Top rate
Advia Credit Union
3.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Teachers Credit Union Beloit savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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.
Where Teachers Credit Union Beloit ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings
0.25%APY
Dividends compounded and credited quarterly. Minimum balance to open is the purchase of a $5.00 share in the credit union. Must maintain a minimum daily balance of $200.00 to obtain the disclosed APY. Limit of six withdrawals or transfers per month (maximum three by check, draft, or debit card).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMust maintain a minimum daily balance of $200.00 to obtain the disclosed APY.$200 and up | 0.25% | $25 | Must maintain a minimum daily balance of $200.00 to obtain the disclosed APY. |
Sources (3)
- tcubeloit.org/products-services
- tcubeloit.org/rates
- tcubeloit.org/s/Remediated-TruthinSavingsDisclosure.pdf
All captured Oct 5, 2026
Special Savings
0.25%APY
Minimum balance to open any account is the purchase of a $5.00 share in the credit union. Dividends calculated by the daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
All captured Oct 5, 2026
Tax & Insurance
0.17%APY
Also disclosed as Real Estate Escrow Account. Dividends compounded and credited quarterly. Rate may change annually as determined by the Department of Financial Institution - Division of Savings Institutions. No withdrawals or transfers permitted except to pay for taxes and insurance on property securing mortgage loan. Minimum balance to open is the purchase of a $5.00 share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate determined annually. Withdrawals only permitted to pay taxes and insurance on mortgaged property.Any balance | 0.17% | $17 | Rate determined annually. Withdrawals only permitted to pay taxes and insurance on mortgaged property. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA
0.65%APY
Traditional, Roth, and Coverdell Educational IRAs offered. Dividends compounded and credited quarterly. Minimum balance to open is the purchase of a $5.00 share in the credit union. Early withdrawal penalty/processing fee of $50.00 may apply (if less than 5 years old per product page).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$50 early withdrawal processing fee/penalty may apply (if less than 5 years old).Any balance | 0.65% | $65 | $50 early withdrawal processing fee/penalty may apply (if less than 5 years old). |
Sources (3)
- tcubeloit.org/products-services
- tcubeloit.org/rates
- tcubeloit.org/s/Remediated-TruthinSavingsDisclosure.pdf
All captured Oct 5, 2026
Christmas Club
0.50%APY
Dividends compounded and credited quarterly. Minimum balance to open is the purchase of a $5.00 share. Balance is automatically transferred to member's share account on October 1st each year. $8 fee for early withdrawal. Monthly withdrawal/transfer limits apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds transfer to share account on October 1st of each year. $8 early withdrawal fee.Any balance | 0.50% | $50 | Funds transfer to share account on October 1st of each year. $8 early withdrawal fee. |
Sources (3)
- tcubeloit.org/products-services
- tcubeloit.org/rates
- tcubeloit.org/s/Remediated-TruthinSavingsDisclosure.pdf
All captured Oct 5, 2026
Jr. Savings
0.50%APY
Also designated as Junior Savers Account. For members under age 13 (features include gifts for ages 3–12 and quarterly drawings for ages 3–15). $1 enrollment fee. Allows earning dividends without maintaining a minimum balance requirement. Minimum balance to open is the purchase of a $5.00 share. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for members under age 13. No minimum balance required to earn dividends. $1 enrollment fee.Any balance | 0.50% | $50 | Available for members under age 13. No minimum balance required to earn dividends. $1 enrollment fee. |
Sources (3)
- tcubeloit.org/products-services
- tcubeloit.org/rates
- tcubeloit.org/s/Remediated-TruthinSavingsDisclosure.pdf
All captured Oct 5, 2026
Who can join Teachers Credit Union Beloit
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to current and former students of school districts, post-secondary schools, and colleges; current/former employees of educational facilities, CESA#2, BAREA, YMCA, YWCA, and Boys and Girls Clubs; school board members; and state-licensed daycare providers, bus drivers, crossing guards, and food service employees located in Rock and Walworth Counties, WI, and Winnebago County, IL.
Family and household
- Membership is open to immediate family members of eligible students and individuals employed or servicing in any capacity at educational facilities in Rock and Walworth Counties, WI, and Winnebago County, IL.
Cost to join
- New members must purchase a $5 share in the credit union to open a savings account.
Membership information collected October 5, 2026.