Credit union · NCUA insured
Telcoe Federal Credit Union Savings Rates
Top CarrotTelcoe Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Prime Savings Account. Rates checked October 22, 2026.
How Telcoe Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Little Rock, AR, where Telcoe Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Telcoe Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $25
Prime Savings Account
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
Telcoe Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.21%
- $100,000 balance$100,0003.04%
- QualifiedQualified2.21%
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 Telcoe Federal 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.
Quarter Plus Money Market Savings Account
2.21%APY on $10,000
Must be a Telcoe Federal Credit Union member ($2,500 minimum deposit to open). $3 monthly fee if balance falls below $2,500 (or account changes to a regular Share account). 3 free monthly withdrawals and 3 free monthly transfers ($10 thereafter). Rates are split rate: only funds comprising each tier earn that tier's dividend rate.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,499 | 1.25% |
| $2,500 – $9,999 | 2.50% |
| $10,000 – $49,999 | 3.00% |
| $50,000 – $99,999 | 3.15% |
| $100,000 – $499,999 | 3.30% |
| $500,000 and up | 3.50% |
On $10,000 the tiers blend to about 2.21% APY, earning $221 a year.
Sources (3)
- telcoe.com/accounts/personal-savings.html
- telcoe.com/accounts/personal-savings/money-market.html
- telcoe.com/rates/index.html
All captured Oct 15, 2026
Prime Savings Account
0.25%APY
Dividends paid quarterly. $5 minimum balance required to maintain membership. 2 free monthly withdrawals ($5 per withdrawal thereafter). $10 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.10% | — |
| $501 – $49,999 | 0.25% | $25 |
| $50,000 and up | 0.25% | — |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Christmas Club Savings Account
0.10%APY
Dividends paid quarterly. Withdrawals available Oct 1-30; unused funds transfer to regular share account on the last business day of October. $10 excessive withdrawal fee Jan-Sept. $1 minimum deposit to open. No minimum balance. No monthly fee. Tiered rate schedule; blended APY for balances over $1,000 is 2.79%-5.00% (example based on $2,000 balance).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to balance up to $1,000. | 5.00% | — | Applies to balance up to $1,000. |
| Over $1,000Dividend rate 0.10% on balance over $1,000; effective APY range 2.79%-5.00% based on $2,000 balance. | 0.10% | $10 | Dividend rate 0.10% on balance over $1,000; effective APY range 2.79%-5.00% based on $2,000 balance. |
Sources (3)
- telcoe.com/accounts/personal-savings.html
- telcoe.com/accounts/personal-s…istmas-club-savings.html
- telcoe.com/rates/index.html
All captured Oct 4, 2026
IRA Variable Share Account
2.52%APY
Includes Traditional, Roth, and Self Employment IRA savings account options. Maintenance fee applies if balance is below $1,000 on December 31st. $25 minimum opening deposit (waived if setting up payroll deduction).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 1.26% | — |
| $10,000 – $49,999 | 2.52% | $252 |
| $50,000 – $99,999 | 2.79% | — |
| $100,000 – $499,999 | 3.05% | — |
| $500,000 and up | 3.20% | — |
Sources (2)
All captured Oct 4, 2026
Youth Savings Account
0.35%APY
Available for young savers under 18 years old. Competitive dividends paid quarterly. 2 free monthly withdrawals ($5 per instance thereafter). $5 minimum balance. $10 minimum deposit to open. Special rates offered on Youth CDs every April.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.10% | — |
| $501 – $49,999 | 0.35% | $35 |
| $50,000 and up | 0.35% | — |
Sources (2)
All captured Oct 4, 2026
Club Account
0.25%APY
Club Account includes Vacation Club, Emergency Club, and You Name It / Create Your Club. Withdrawals permitted twice a year. Enroll anytime.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
All captured Oct 4, 2026
Health Savings Account
0.10%APY
Must be covered under an HSA-compatible High-Deductible Health Plan (HDHP), not enrolled in Medicare, and not claimed as a dependent. If account balance is below $500 on December 31st, a maintenance fee applies. $30 account closure fee. $100 minimum opening deposit or payroll direct deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.10% | — |
| $2,500 – $9,999 | 0.10% | — |
| $10,000 and up | 0.10% | $10 |
Sources (2)
All captured Oct 4, 2026
Who can join Telcoe Federal 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, attend school, or worship in the state of Arkansas, with an Arkansas driver's license or state-issued ID.
- Membership is open to individuals who live, work, worship, or attend school in Pulaski or Pope county in designated underserved census tracts defined by the NCUA.
Employers and groups
- Employees of participating Select Employee Groups are eligible for membership.
Family and household
- Immediate family members of, or individuals residing with, a Telcoe member are eligible for membership.
Other ways
- Individuals who hold membership with a partner organization (Pulaski County Humane Society, Arkansas Learning Alliance, or Child Protection Center) via a $5 to $25 donation at account opening are eligible to join.
Cost to join
- A donation of $5 to $25 to a community partner organization at the time of account opening.
- Must open a Prime Savings account to establish membership.
Membership information collected October 4, 2026.