Credit union · NCUA insured
Toro FCU Savings Rates
Toro FCU’s best savings rate is 1.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Toro FCU’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Toro FCU has the most branches. $10,000, best rate first.
This credit union’s best
Toro FCU
1.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Money Market Account
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Toro FCU savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0003.00%
- 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 Toro FCU 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 Account
Up to 1.50%APY
No monthly service fee on accounts over $2,500. Dividends are compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance for dividends is $2,500. | 1.25% | $125 | Minimum balance for dividends is $2,500. |
| $10,000 and upMinimum balance for dividends is $10,000. | 1.50% | $150 | Minimum balance for dividends is $10,000. |
| $25,000 and upMinimum balance for dividends is $25,000. | 1.75% | — | Minimum balance for dividends is $25,000. |
| $50,000 and upMinimum balance for dividends is $50,000. | 2.50% | — | Minimum balance for dividends is $50,000. |
| $100,000 and upMinimum balance for dividends is $100,000. | 3.00% | — | Minimum balance for dividends is $100,000. |
Sources (2)
All captured Sep 18, 2026
Primary Share Account
0.15%APY
Dividends are calculated on average daily balance and paid quarterly. Minimum of $105 required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $105 and upMinimum balance to earn dividends is $105.$105 and up | 0.15% | $15 | Minimum balance to earn dividends is $105. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Savings (Traditional, Roth, or Educational)
Up to 1.50%APY
Available as Traditional, Roth, or Educational IRA savings accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 1.25% | $125 |
| $10,000 and up | 1.50% | $150 |
| $25,000 and up | 1.75% | — |
| $50,000 and up | 2.50% | — |
| $100,000 and up | 3.00% | — |
Sources (1)
- torofcu.org/accounts/rates · captured Sep 18, 2026
Holiday Savings Club Account
0.50%APY
Payroll deduction minimum $10 bi-weekly. Funds transfer to share savings account by November 1st each year. Withdrawals prior to distribution date incur a 10% penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum deposit to open is $5; minimum balance to earn dividends is $5. Minimum payroll deduction is $10 bi-weekly.$5 and up | 0.50% | $50 | Minimum deposit to open is $5; minimum balance to earn dividends is $5. Minimum payroll deduction is $10 bi-weekly. |
Sources (2)
All captured Sep 18, 2026
Secondary (Club) Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $105 and upMinimum balance to earn dividends is $105.$105 and up | 0.15% | $15 | Minimum balance to earn dividends is $105. |
Sources (1)
- torofcu.org/accounts/rates · captured Sep 18, 2026
Who can join Toro FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of The Toro Company who live in the United States are eligible to join Toro Credit Union.
Family and household
- Immediate family members of eligible The Toro Company employees—including spouses, children, stepchildren, parents, grandparents, grandchildren, brothers, and sisters—are eligible to join Toro Credit Union.
Membership information collected October 4, 2026.