Credit union · NCUA insured
TelComm CU Savings Rates
Top CarrotTelComm CU’s best savings rate is 2.12% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How TelComm CU’s savings rates compare
Compared with banks and credit unions near Springfield, MO, where TelComm CU has the most branches. $10,000, best rate first.
This credit union’s best
TelComm CU
2.12%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $212
Money Market Account
Top rate
Metro Credit Union
5.09%APY
- Minimum
- —
- Earns on $10,000 a year
- $509
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
TelComm CU savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0002.12%
- $100,000 balance$100,0002.89%
- QualifiedQualified2.12%
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 TelComm CU 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.
Money Market Account
2.12%APY
Minimum required deposit of $2,500. Dividends paid monthly. Interest based on average daily balance. Includes up to 6 withdrawals or transfers per month for free; $1 charge per withdrawal after that. Variable interest rate. Does not allow debit card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 2.02% | — |
| $10,000 – $24,999 | 2.12% | $212 |
| $25,000 – $49,999 | 2.12% | — |
| $50,000 – $99,999 | 2.63% | — |
| $100,000 – $249,999 | 2.89% | — |
| $250,000 and up | 3.30% | — |
Sources (3)
- telcommcu.com/accounts
- telcommcu.com/accounts/deposit-rates
- telcommcu.com/accounts/money-market-accounts
All captured Sep 17, 2026
Share Savings
0.07%APY
Primary savings account and foundation of membership. Minimum deposit of $25 required to open and maintain membership. Earn dividends on balances of $50 and up, compounded and paid quarterly. No monthly or yearly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires $50 average daily balance per quarter to earn dividends. Compounded quarterly and paid quarterly.$50 and up | 0.07% | $7 | Requires $50 average daily balance per quarter to earn dividends. Compounded quarterly and paid quarterly. |
Sources (2)
All captured Sep 17, 2026
Sub-Share Savings
0.07%APY
Dedicated sub-savings/Goal accounts created under one membership account number at no charge. Members can open up to 25 Goal Accounts. All balances over $50 earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAll balances over $50 earn dividends.$50 and up | 0.07% | $7 | All balances over $50 earn dividends. |
Sources (3)
- telcommcu.com/accounts/goal-accounts
- telcommcu.com/accounts/deposit-rates
- telcommcu.com/accounts/savings-accounts
All captured Sep 17, 2026
Special-purpose accounts
Coverdell Education Savings Acct. (ESA) Share
0.80%APY
Tax-advantaged dedicated savings account for qualified elementary, secondary, and higher education expenses. Annual contributions cannot exceed $2,000 per child.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTotal annual contributions per child cannot exceed $2,000. Distributions are tax-free when used for qualified education expenses.Any balance | 0.80% | $80 | Total annual contributions per child cannot exceed $2,000. Distributions are tax-free when used for qualified education expenses. |
Sources (2)
All captured Sep 17, 2026
Health Savings Acct. (HSA) Share
0.80%APY
Tax-advantaged savings account paired with a qualifying High Deductible Health Plan (HDHP). Requires no other first-dollar medical coverage, not being enrolled in Medicare, and cannot be claimed as a dependent. 2025 contribution limits: $4,300 single coverage, $8,550 family coverage, plus $1,000 catch-up contribution for age 55+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be covered under an HSA-qualified HDHP. 2025 contribution limits apply: $4,300 single, $8,550 family, $1,000 catch-up for age 55+.Any balance | 0.80% | $80 | Must be covered under an HSA-qualified HDHP. 2025 contribution limits apply: $4,300 single, $8,550 family, $1,000 catch-up for age 55+. |
Sources (2)
All captured Sep 17, 2026
IRA Share
0.80%APY
Traditional and Roth IRA savings accounts. Annual contribution limit is up to $7,000 (or 100% earned income, whichever is less) for 2024 and 2025, plus $1,000 catch-up for owners age 50 and older. Can roll over into IRA CDs when balance reaches $1,000 or higher.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRA share account. 2024/2025 aggregate annual contribution limit is $7,000, plus $1,000 catch-up for age 50+.Any balance | 0.80% | $80 | Traditional and Roth IRA share account. 2024/2025 aggregate annual contribution limit is $7,000, plus $1,000 catch-up for age 50+. |
Sources (2)
All captured Sep 17, 2026
Christmas Club
0.07%APY
Dedicated holiday savings club account. Start at any time with any amount. Funds are transferred electronically or by check in mid-October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends earned after balance reaches $50.00. Funds transferred in mid-October.$50 and up | 0.07% | $7 | Dividends earned after balance reaches $50.00. Funds transferred in mid-October. |
Sources (2)
All captured Sep 17, 2026
Kirby Kangaroo Kids Share
0.07%APY
Savings account for children ages 12 and under. Opened jointly with a parent or legal guardian. Open with $1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor members ages 12 and under; opened jointly with a parent or legal guardian.Any balance | 0.07% | $7 | For members ages 12 and under; opened jointly with a parent or legal guardian. |
Sources (2)
All captured Sep 17, 2026
Who can join TelComm CU
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 Greene, Christian, Lawrence, Webster, or Polk counties in Southwest Missouri.
Employers and groups
- Membership is open to individuals employed by or retired from one of TelComm's Select Employee Groups.
Military, government and schools
- Membership is open to students or teachers at a Catholic school in Springfield, or members of related organizations such as a parish Council of Catholic Women or Catholic Schools Booster Club (or their immediate family members).
Family and household
- Membership is open to immediate family members of current TCU members.
Other ways
- Membership is open to individuals (or their immediate family members) who are members of the Catholic Church or a related organization in the Diocese of Springfield/Cape Girardeau Pastoral Regions 1 through 5.
Cost to join
- Membership begins with opening a savings account with a minimum deposit of $25.
Membership information collected October 4, 2026.