Credit union · NCUA insured
Tomah Area Credit Union Savings Rates
Top CarrotTomah Area Credit Union’s best savings rate is 1.31% APY on $10,000, with its Escalator Account/ Money Market. Rates checked October 16, 2026.
How Tomah Area Credit Union’s savings rates compare
Compared with banks and credit unions near Sparta, WI, where Tomah Area Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tomah Area Credit Union
1.31%APY
- Earns on $10,000 a year
- $131
Escalator Account/ Money Market
Top rate
Park Bank
2.61%APY
- Earns on $10,000 a year
- $261
2nd-highest rate
1st Community Credit Union
1.31%APY
- Earns on $10,000 a year
- $131
Tomah Area Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0002.17%
- QualifiedQualified1.31%
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 Tomah Area 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.
Escalator Account/ Money Market
1.31%APY
Earns higher rates based on your balance. 3 withdrawals per month (including checks, cash and transfers); $5 excessive withdrawal fee for each withdrawal over 3 per month. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $9,999 | 1.01% | — |
| $10,000 – $24,999 | 1.31% | $131 |
| $25,000 – $49,999 | 1.76% | — |
| $50,000 – $99,999 | 1.76% | — |
| $100,000 – $249,999 | 2.17% | — |
| $250,000 and up | 2.27% | — |
Sources (2)
All captured Oct 16, 2026
Primary Share Savings Account
0.15%APY
A $25 minimum balance establishes credit union membership. Dividends are paid quarterly on balances over $25 from day of deposit to day of withdrawal based on Credit Union earnings. 3 free withdrawals permitted per quarter; $1.00 fee per withdrawal thereafter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid quarterly on amounts over $25.$25 and up | 0.15% | $15 | Dividends paid quarterly on amounts over $25. |
Special-purpose accounts
Christmas Club
1.00%APY
Balances transfer on September 30 at the end of the day. Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal based on Credit Union earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalances transfer on September 30 at the end of the day.Any balance | 1.00% | $100 | Balances transfer on September 30 at the end of the day. |
IRA Passbook
0.15%APY
Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal based on Credit Union earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly on amounts over $25.Any balance | 0.15% | $15 | Dividends are paid quarterly on amounts over $25. |
Sources (1)
- tacuonline.com/rates-fees · captured Sep 18, 2026
Saver’s Sweepstakes
0.15%APY
Open to Wisconsin, Minnesota, and Illinois residents; minors eligible with guardian permission. Business and trust accounts are not eligible. Limit one account per person. Minimum balance requirement is $25. Prize drawings held monthly, quarterly, and annually; each $25 balance increase earns 1 drawing entry (up to 6 entries per month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust meet and maintain the minimum balance requirement of $25.$25 and up | 0.15% | $15 | Must meet and maintain the minimum balance requirement of $25. |
Sources (1)
- tacuonline.com/savers-sweepstakes · captured Sep 18, 2026
Health Savings Account (HSA)
0.05%APY
Must be covered under an HSA-eligible high deductible health plan (HDHP). Dividends are paid quarterly on amounts over $25 and are paid from day of deposit to day of withdrawal based on Credit Union earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly on amounts over $25.Any balance | 0.05% | $5 | Dividends are paid quarterly on amounts over $25. |
Who can join Tomah Area Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons or organizations residing or employed in Adams County, Jackson County, Juneau County, La Crosse County, Monroe County, or Vernon County, Wisconsin are eligible for membership.
Employers and groups
- Any employee of TACU Credit Union is eligible for membership.
Military, government and schools
- Membership is open to a public depositor.
Family and household
- Immediate family members of any other eligible person are eligible for membership.
Other ways
- Any business, organization, association, or trust where a majority of qualifying stakeholders/parties are eligible may become a member.
Membership information collected October 5, 2026.