Credit union · NCUA insured
TLCU Financial Savings Rates
Top CarrotTLCU Financial’s best savings rate is 0.85% APY on $10,000, with its Funds Manager. Rates checked October 15, 2026.
How TLCU Financial’s savings rates compare
Compared with banks and credit unions near South Bend, IN-MI, where TLCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
TLCU Financial
0.85%APY
- Minimum
- $500
- Earns on $10,000 a year
- $85
Funds Manager
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
TLCU Financial savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.16%
- QualifiedQualified0.85%
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 TLCU Financial 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.
Funds Manager
Up to 0.85%APY
Higher dividend savings account with tiered rates and no withdrawal fees. Minimum average daily balance of $500.00 is required to qualify for dividends. Dividends compound and are paid monthly on average daily balance. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.75% | $75 |
| $10,000 and up | 0.85% | $85 |
| $25,000 and up | 0.95% | — |
| $50,000 and up | 1.06% | — |
| $100,000 and up | 1.16% | — |
| $250,000 and up | 1.26% | — |
Sources (4)
- tlcufinancial.org/rates
- tlcufinancial.org/savings-accounts
- tlcufinancial.org/checking-and-savings
- tlcufinancial.org/savings-rates
All captured Sep 18, 2026
Regular Savings
0.10%APY
A $5.00 minimum deposit is required to open the account and maintain credit union membership. Balance cannot fall below $5.00. Members are allowed five withdrawals per month; subsequent withdrawals incur a $3.00 fee. Dividends compound and are paid monthly on the average daily balance. Rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 to earn stated APY/dividends.$100 and up | 0.10% | $10 | Minimum balance of $100 to earn stated APY/dividends. |
Sources (4)
- tlcufinancial.org/rates
- tlcufinancial.org/savings-accounts
- tlcufinancial.org/checking-and-savings
- tlcufinancial.org/savings-rates
All captured Sep 18, 2026
Special Savings
0.10%APY
Separate savings account under regular share account number with no required minimum balance and no service fees. Dividends compound and are paid monthly on the average daily balance. Rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 to earn stated APY/dividends.$100 and up | 0.10% | $10 | Minimum balance of $100 to earn stated APY/dividends. |
Sources (4)
- tlcufinancial.org/rates
- tlcufinancial.org/savings-accounts
- tlcufinancial.org/checking-and-savings
- tlcufinancial.org/savings-rates
All captured Sep 18, 2026
Special-purpose accounts
IRA
Up to 0.25%APY
Savings account for retirement or educational purposes, including Traditional IRA, Roth IRA, and Coverdell Education Savings IRA. Dividends compound and are paid monthly on the average daily balance. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.20% | $20 |
| $10,000 and up | 0.25% | $25 |
| $20,000 and up | 0.40% | — |
| $30,000 and up | 0.50% | — |
Sources (4)
- tlcufinancial.org/rates
- tlcufinancial.org/savings-accounts
- tlcufinancial.org/checking-and-savings
- tlcufinancial.org/savings-rates
All captured Sep 18, 2026
Christmas Club
0.20%APY
Funds are transferred to checking (draft) or Regular Savings on November 1st each year. Dividends compound and are paid monthly on the average daily balance. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (4)
- tlcufinancial.org/rates
- tlcufinancial.org/savings-accounts
- tlcufinancial.org/checking-and-savings
- tlcufinancial.org/savings-rates
All captured Sep 18, 2026
Who can join TLCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living or working in LaGrange County, Marshall County, Elkhart County, or St. Joseph County is eligible for membership.
Employers and groups
- Employees of listed Select Employee Groups in Mishawaka, Topeka, and Bremen qualify for membership.
Family and household
- Individuals who have a family member with an existing TLCU Financial account are eligible for membership.
Membership information collected October 5, 2026.