Credit union · NCUA insured
Tongass Federal Credit Union Savings Rates
Tongass Federal Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How Tongass Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Ketchikan, AK, where Tongass Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tongass Federal Credit Union
0.80%APY
- Minimum
- $500
- Earns on $10,000 a year
- $80
Money Market Accounts
2nd-highest rate
Credit Union 1
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
3rd-highest rate
Global Credit Union
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Tongass Federal Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.01%
- QualifiedQualified0.80%
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 Tongass 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 Accounts
0.80%APY
Minimum opening deposit: $500. Minimum balance to avoid fee: $2,500. Up to 3 withdrawals/transfers per month with no fee ($10 per transfer after 3). Dividends paid monthly based on tiers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,499Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. | 0.40% | — | Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. |
| $2,500 – $9,999Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. | 0.60% | — | Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. |
| $10,000 – $24,999Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. | 0.80% | $80 | Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. |
| $25,000 – $99,999Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. | 0.80% | — | Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. |
| $100,000 – $249,999Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. | 1.01% | — | Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. |
| $250,000 and upMinimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. | 1.01% | — | Minimum balance to avoid fee is $2,500. Up to 3 withdrawals per month with no fee. |
Sources (2)
All captured Oct 15, 2026
Regular Shares (Traditional Savings)
0.10%APY
Free account with quarterly dividends; access via online, mobile, text banking, and ATM using debit card when linked to TFCU checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate is set by the Board of Directors each month; basic share dividend is declared monthly and paid at month end.Any balance | 0.10% | $10 | Rate is set by the Board of Directors each month; basic share dividend is declared monthly and paid at month end. |
Sources (3)
All captured Sep 14, 2026
Special-purpose accounts
Youth Shares (Youth Savings Account)
0.10%APY
For ages 0–17 (or 0–18). Includes access to online, mobile, and text banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to balances up to $1,000 for ages 0–18 (or 0–17). | 5.00% | — | Applies to balances up to $1,000 for ages 0–18 (or 0–17). |
| $1,000 and upRegular share rate is applied to balances over $1,000. | 0.10% | $10 | Regular share rate is applied to balances over $1,000. |
Sources (4)
- tongassfcu.com
- tongassfcu.com/dare-to-save-youth-savings-match
- tongassfcu.com/plan-learn/youth
- tongassfcu.com/about/rates
All captured Sep 14, 2026
IRA/SEP IRA Shares (Retirement Savings Account)
0.20%APY
Traditional, Roth, and Education SEP accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate is .10% above regular rate. Minimum $50 to open IRA share.Any balance | 0.20% | $20 | Rate is .10% above regular rate. Minimum $50 to open IRA share. |
Sources (2)
All captured Sep 14, 2026
Health Savings Accounts (HSA)
0.10%APY
For individuals with high deductible health plans. Low monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be combined with a high deductible health plan; low monthly maintenance fee applies.Any balance | 0.10% | $10 | Must be combined with a high deductible health plan; low monthly maintenance fee applies. |
Sources (3)
All captured Sep 14, 2026
Who can join Tongass Federal Credit Union
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