Credit union · NCUA insured
Tobacco Valley Teachers Federal Credit Union Savings Rates
Top CarrotTobacco Valley Teachers Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market Savings Account. Rates checked October 22, 2026.
How Tobacco Valley Teachers Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hartford, CT, where Tobacco Valley Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tobacco Valley Teachers Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $150
Money Market Savings Account
Top rate
Franklin Trust Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Tobacco Valley Teachers Federal Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.50%
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 Tobacco Valley Teachers 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 Savings Account
1.50%APY
Dividends are computed on average daily balance and paid quarterly. Minimum deposit is $2,000.00. Minimum withdrawal is $250.00. Online transfers out of the account are limited to 6 per month ($10 fee per transfer over 6).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $9,999Minimum balance of $2,000 required to earn the current APY. Computed on average daily balance and paid quarterly. | 1.00% | — | Minimum balance of $2,000 required to earn the current APY. Computed on average daily balance and paid quarterly. |
| $10,000 – $49,999Computed on average daily balance and paid quarterly. | 1.50% | $150 | Computed on average daily balance and paid quarterly. |
| $50,000 and upComputed on average daily balance and paid quarterly. | 2.00% | — | Computed on average daily balance and paid quarterly. |
Sources (2)
All captured Oct 4, 2026
Regular Share Savings Account
0.05%APY
Open a Share Savings Account to become a member. Initial share deposit and minimum balance requirement is $25.00, which represents your share of ownership in the credit union. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Fees could reduce earnings.$25 and up | 0.05% | $5 | Dividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Fees could reduce earnings. |
Special-purpose accounts
Holiday Club
0.20%APY
Deposits made through payroll deduction, in person, or by mail. Matures the first week of November when full amount is transferred to savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee.$25 and up | 0.20% | $20 | Dividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee. |
Sources (2)
All captured Sep 19, 2026
Summer Pay Club
0.20%APY
Funded via payroll deduction during the school year. At the end of the school year, funds are automatically transferred via 5 bi-weekly disbursements (or optional lump sum) to credit union Savings (Share) Account or Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee.$25 and up | 0.20% | $20 | Dividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee. |
Sources (2)
All captured Sep 19, 2026
Adolescent$ Teen Club
0.05%APY
For ages 13 to 17. A parent/guardian must be on the youth account. Child's Social Security card required at account opening. TVTFCU deposits the first $5.00 into the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee.$25 and up | 0.05% | $5 | Dividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee. |
The Money Mammals Kids Club
0.05%APY
For ages birth to 12. A parent/guardian must be on the youth account. Child's Social Security card required at account opening. TVTFCU deposits the first $5.00 into the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee.$25 and up | 0.05% | $5 | Dividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. Must keep account active with at least one transaction per year to avoid a monthly Inactive Account Fee. |
Health Savings Account (HSA)
0.01%APY
Must be covered under a High Deductible Health Plan (HDHP) on the first day of the month, not covered by non-HDHP plans, not enrolled in Medicare, and not eligible to be claimed as a dependent on another person's tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. There are no fees.$25 and up | 0.01% | $1 | Dividends are computed on daily balance and paid quarterly. Minimum balance required to earn the APY is $25.00. Rates are subject to change after the account is opened. There are no fees. |
Sources (2)
All captured Sep 19, 2026
Who can join Tobacco Valley Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Community Health Resources are eligible for membership.
Military, government and schools
- Employees, commissioners, and volunteers of the Enfield Fire Department are eligible for membership.
- All public and non-public school employees who work in the towns of Enfield, East Windsor, Windsor, Windsor Locks, Suffield and Somers, Connecticut are eligible for membership.
- Enfield High School students are eligible for membership.
Family and household
- Immediate family or household members of existing members are eligible for membership.
- Spouses of persons who passed away while within the field of membership of this credit union are eligible for membership.
1 more way to join
Other ways
- Persons retired as pensioners or annuitants from eligible employment are eligible for membership.
Cost to join
- A $25 deposit is required to open a Savings Account and join TVTFCU.
Membership information collected October 4, 2026.