Credit union · NCUA insured
Telco Community Credit Union Savings Rates
Top CarrotTelco Community Credit Union’s best savings rate is 1.11% APY on $10,000, with its Preferred Money Market Account. Rates checked October 22, 2026.
How Telco Community Credit Union’s savings rates compare
Compared with banks and credit unions near Asheville, NC, where Telco Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Telco Community Credit Union
1.11%APY
- Requires
- None
- Minimum
- $250
- Earns on $10,000 a year
- $111
Preferred Money Market Account
Top rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
2nd-highest rate
Movement Bank
3.05%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $305
Telco Community Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.11%
- $100,000 balance$100,0001.31%
- QualifiedQualified1.11%
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 Telco Community Credit Union 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.
Preferred Money Market Account
1.11%APY
Minimum deposit to open account is $250. Offers tiered interest based on balance. If balance falls below $2,500 any time during the statement cycle, interest/dividend for that period will drop to the regular share interest/dividend rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividend Tier 1. For Money Market accounts, minimum daily balance of $2,500 is required to earn the APY listed; balances that fall below $2,500 earn the primary share dividend/APY rate. | 0.20% | — | Dividend Tier 1. For Money Market accounts, minimum daily balance of $2,500 is required to earn the APY listed; balances that fall below $2,500 earn the primary share dividend/APY rate. |
| $2,500 – $25,000Dividend Tier 2. Minimum daily balance of $2,500 is required to earn the APY listed. | 1.11% | $111 | Dividend Tier 2. Minimum daily balance of $2,500 is required to earn the APY listed. |
| $25,000 – $100,000Dividend Tier 3. | 1.21% | — | Dividend Tier 3. |
| $100,000 and upDividend Tier 4. | 1.31% | — | Dividend Tier 4. |
Basic Savings Account
0.20%APY
Main account for every credit union member (Regular Membership Share). $5 deposit remains on hold throughout the length of membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum balance to earn dividends. Dividends credited and compounded monthly.$5 and up | 0.20% | $20 | $5 minimum balance to earn dividends. Dividends credited and compounded monthly. |
Special-purpose accounts
Individual Retirement Savings Account (IRA)
2.02%APY
Functions as a retirement savings account available for Traditional, Roth, SEP, and Education IRA options; accepts regular contributions without waiting for a maturity date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 2.02% | $202 |
Sources (3)
- telcoccu.org/rates/savings-rates
- telcoccu.org/accounts/savings-accounts/iras
- telcoccu.org/files/telcoccu/1/…ee-schedule-04.16.26.pdf
All captured Oct 4, 2026
Christmas Club Account
0.20%APY
Save for holiday spending; balance is transferred to checking or savings after October 31 ($5 is retained in account to continue for subsequent plan periods unless directed otherwise in writing). $5 withdrawal fee applies if withdrawals are made prior to October 21.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum balance to earn dividends on Savings & Holiday Accounts.$5 and up | 0.20% | $20 | $5 minimum balance to earn dividends on Savings & Holiday Accounts. |
Sources (3)
- telcoccu.org/accounts/club-accounts/christmas-club
- telcoccu.org/rates/savings-rates
- telcoccu.org/files/telcoccu/1/…ee-schedule-04.16.26.pdf
All captured Oct 4, 2026
Telco Kids Account
0.20%APY
Available to children up to age 12 who live, worship, or attend school in eligible NC counties, or have an immediate family member who is a member. Parent or guardian must be a joint owner. Excluded from inactive account fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Telco Teens Account
0.20%APY
Available to teens ages 13-17 who live, work, worship, or attend school in eligible NC counties, or live with an immediate family member who is a member. Parent or guardian must be a joint owner.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
VIP Account (Over 60)
0.20%APY
Available to members who are retired or age 60 or older living, working, or worshiping in qualifying NC counties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends earned on the daily balance paid monthly.$5 and up | 0.20% | $20 | Dividends earned on the daily balance paid monthly. |
Sources (3)
- telcoccu.org/accounts/club-accounts/vip-account
- telcoccu.org/rates/savings-rates
- telcoccu.org/files/telcoccu/1/…ee-schedule-04.16.26.pdf
All captured Oct 4, 2026
Vacation Club
0.20%APY
Membership share/savings account designed to help save for vacations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly dividends.Any balance | 0.20% | $20 | Monthly dividends. |
Sources (3)
- telcoccu.org/accounts/club-accounts/vacation-club
- telcoccu.org/rates/savings-rates
- telcoccu.org/files/telcoccu/1/…ee-schedule-04.16.26.pdf
All captured Oct 4, 2026
Who can join Telco Community Credit Union
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, work, worship, or attend school in Alexander, Avery, Buncombe, Burke, Caldwell, Catawba, Cleveland, Haywood, Henderson, Iredell, Jackson, Lincoln, Madison, McDowell, Mitchell, Polk, Rutherford, Transylvania, Watauga, Wilkes, or Yancey County, North Carolina.
Employers and groups
- Membership is open to employees of participating Select Employee Groups (SEGs).
Family and household
- All relatives of current members can become members regardless of residency.
Cost to join
- Opening an account requires a minimum $5.00 deposit into a Savings Account.
Membership information collected October 4, 2026.