Credit union · NCUA insured
Total Choice Federal Credit Union Savings Rates
Total Choice Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Total Choice Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New Orleans, LA, where Total Choice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Total Choice Federal Credit Union
0.15%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $15
Money Market
Top rate
Keesler Federal Credit Union
3.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
Total Choice Federal Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Total Choice 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
0.15%APY
Minimum opening balance required is $10,000.00. Dividends are only paid on the 1st of each month and are based on the average daily balance. There are no penalties for early withdrawal. Monthly Checking Account Fees and Overdraft Charges could reduce the earnings on this account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends are only paid on the 1st of each month and are based on the average daily balance. | 0.10% | — | Dividends are only paid on the 1st of each month and are based on the average daily balance. |
| $10,000 and upDividends are only paid on the 1st of each month and are based on the average daily balance. | 0.15% | $15 | Dividends are only paid on the 1st of each month and are based on the average daily balance. |
Sources (1)
- totalchoicefcu.com/deposit-rates · captured Sep 18, 2026
Regular or Secondary Savings
0.10%APY
Membership in Total Choice Federal Credit Union (TCFCU) is required. One-time membership fee of $5.00 to open a TCFCU Savings/Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dormant Account Fees could reduce the earnings on the account (assessed after one year of non activity).Over $0 | 0.10% | $10 | Dormant Account Fees could reduce the earnings on the account (assessed after one year of non activity). |
Sources (1)
- totalchoicefcu.com/deposit-rates · captured Oct 16, 2026
Special-purpose accounts
Share IRA
0.25%APY
Available as Traditional or Roth IRA plans for eligible wage earners or spouses filing jointly. Early withdrawal penalties may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Early withdrawal penalties could reduce earnings on account.Over $0 | 0.25% | $25 | Early withdrawal penalties could reduce earnings on account. |
Christmas Club Account
0.10%APY
Quarterly dividends paid using the average daily balance method. Funds are automatically transferred into Membership Savings Account on November 1st unless requested otherwise.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.10% | $10 |
Who can join Total Choice Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Saint Charles, Saint John, and Saint James Parishes is eligible for membership.
Family and household
- Immediate family members and individuals sharing a household with an existing member are eligible to join.
Cost to join
- A minimum deposit of $5.00 into a savings account is required.
- A one-time membership service charge of $5.00 is required.
Membership information collected October 5, 2026.