Credit union · NCUA insured
Timberland Federal Credit Union Savings Rates
Timberland Federal Credit Union’s best savings rate is 0.01% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Timberland Federal Credit Union’s savings rates compare
Compared with banks and credit unions near State College, PA, where Timberland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Timberland Federal Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $100
Timber Saver
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Reliance Bank
2.00%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $200
Timberland Federal Credit Union savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0004.00%
- QualifiedQualified1.00%
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 Timberland 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.
Money Market
0.01%APY
Minimum deposit $1000 to open. No monthly maintenance fees. Earn competitive rates on balances of $1,000 or more. Non-Member deposits must be approved by Executive management and are subject to a .25% APY decrease. Dividends Paid Quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upTier: Timber Gold. Dividends Paid Quarterly. Rates listed are for Members; Non-Member deposits subject to 0.25% APY decrease. | 0.01% | $1 | Tier: Timber Gold. Dividends Paid Quarterly. Rates listed are for Members; Non-Member deposits subject to 0.25% APY decrease. |
| $10,000 and upTier: Timber Platinum. Dividends Paid Quarterly. Rates listed are for Members; Non-Member deposits subject to 0.25% APY decrease. | 0.01% | $1 | Tier: Timber Platinum. Dividends Paid Quarterly. Rates listed are for Members; Non-Member deposits subject to 0.25% APY decrease. |
| $73,000 and upTier: Timber Advantage. Dividends Paid Quarterly. Rates listed are for Members; Non-Member deposits subject to 0.25% APY decrease. | 4.00% | — | Tier: Timber Advantage. Dividends Paid Quarterly. Rates listed are for Members; Non-Member deposits subject to 0.25% APY decrease. |
Sources (2)
All captured Oct 6, 2026
Timber Saver
Up to 1.00%APY
Must be paired with either a Free Timber Premier Checking account or a Free Timber Loyalty Checking account. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying for Timber Premier or Timber Loyalty rewards (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 12 debit card purchases each > $5.00; enrolled in online banking and agree to receive e-statements during monthly qualification cycle). | 1.00% | $100 | Qualifying for Timber Premier or Timber Loyalty rewards (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 12 debit card purchases each > $5.00; enrolled in online banking and agree to receive e-statements during monthly qualification cycle). |
| Any balanceBase dividend rate if qualifications are not met in Timber Premier or Timber Loyalty. | 0.01% | $1 | Base dividend rate if qualifications are not met in Timber Premier or Timber Loyalty. |
| $50,000 and up1.00% to 0.67% APY on balances over $50,000 depending on balance in account when qualifications in Timber Premier or Timber Loyalty are met. | 0.67% | — | 1.00% to 0.67% APY on balances over $50,000 depending on balance in account when qualifications in Timber Premier or Timber Loyalty are met. |
Share Savings
0.01%APY
Establishes membership with TFCU. $5 minimum balance required to maintain membership. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (3)
- timberlandfcu.org/find-an-account/personal-savings
- timberlandfcu.org/find-an-acco…al-savings/share-savings
- timberlandfcu.org/interest-rates
All captured Sep 17, 2026
Special-purpose accounts
Timber Kids' Savings
1.23%APY
No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.23% | $123 |
Sources (3)
- timberlandfcu.org/find-an-account/personal-savings
- timberlandfcu.org/find-an-acco…ings/timber-kids-savings
- timberlandfcu.org/interest-rates
All captured Sep 17, 2026
Christmas Club
0.50%APY
Funds automatically disbursed on October 1st via automatic transfer to share draft checking or share savings account (mailed check available upon request). Early withdrawals subject to penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
IRA Savings
0.50%APY
Traditional and Roth IRA options available. No setup fees, no monthly or annual maintenance fees. Early withdrawals subject to penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Who can join Timberland 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
- Anyone who lives, works, worships, or attends school in Armstrong, Blair, Cambria, Cameron, Centre, Clarion, Clearfield, Clinton, Elk, Forest, Huntingdon, Indiana, Jefferson, or Mifflin County in Pennsylvania is eligible for membership.
Employers and groups
- Employees of designated Select Employee Group businesses and members of certain associational groups in the credit union's field of membership are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) and household members living in the same residence maintaining a single economic unit with a current member are eligible to join.
Cost to join
- Eligible members can join by opening a share savings account with a $5 deposit.
Membership information collected October 5, 2026.