Credit union · NCUA insured
Total Community Credit Union Savings Rates
Total Community Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Total Community Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Total Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Total Community Credit Union
0.25%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Total Community Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.25%
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 Community 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 Account
0.25%APY
Must maintain a $5,000 minimum balance to avoid a below-minimum balance fee of $15.00 per month. Limited to 6 withdrawals/transfers per month. Additional withdrawals/transfers $5.00 each. Minimum opening deposit $5,000.00. Dividends calculated using the daily balance method, compounded daily and credited monthly. Account applies tiered rates to the full balance once a tier is met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Monthly fee of $15.00 applies if balance falls below $5,000.00. | 0.25% | $25 | Monthly fee of $15.00 applies if balance falls below $5,000.00. |
| $25,000 – $75,000Monthly fee of $15.00 applies if balance falls below $5,000.00. | 0.30% | — | Monthly fee of $15.00 applies if balance falls below $5,000.00. |
| $75,000 – $100,000Monthly fee of $15.00 applies if balance falls below $5,000.00. | 0.35% | — | Monthly fee of $15.00 applies if balance falls below $5,000.00. |
| $100,000 – $150,000Monthly fee of $15.00 applies if balance falls below $5,000.00. | 0.40% | — | Monthly fee of $15.00 applies if balance falls below $5,000.00. |
| Over $150,000Monthly fee of $15.00 applies if balance falls below $5,000.00. | 0.50% | — | Monthly fee of $15.00 applies if balance falls below $5,000.00. |
Sources (2)
All captured Sep 18, 2026
Daily Dollar Account
0.02%APY
Paid quarterly using daily average method of $150.00 minimum.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $150 and upPaid quarterly: Daily Average Method of $150.00 minimum.$150 and up | 0.02% | $2 | Paid quarterly: Daily Average Method of $150.00 minimum. |
Sources (1)
- tccu.us/checking-savings · captured Oct 16, 2026
Regular Savings
0.02%APY
Dividends compounded and credited quarterly based on Average Daily Balance. Must maintain combined minimum daily balance of $200 in any savings or checking product, or have a loan/Visa card with credit union, or be over 60 or under 21 to avoid service fee.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $150 and upMinimum average daily balance of $150.00 required to earn stated APY. Minimum opening deposit is $5.00 (par value of one share).$150 and up · $5 to open | 0.02% | $5 | $2 | Minimum average daily balance of $150.00 required to earn stated APY. Minimum opening deposit is $5.00 (par value of one share). |
| $150 and upPaid quarterly using daily average method with $150.00 minimum.$150 and up · Unknown to open | 0.02% | Unknown | $2 | Paid quarterly using daily average method with $150.00 minimum. |
Sources (2)
All captured Sep 18, 2026
Sub-Savings
0.02%APY
Secondary savings accounts to save for special events including vacations, Christmas, and tax payments. Dividends compounded and credited quarterly using Average Daily Balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $150 and upPaid quarterly using daily average method with $150.00 minimum.$150 and up | 0.02% | $2 | Paid quarterly using daily average method with $150.00 minimum. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Retiree Savings Account
0.05%APY
Dividends compounded and credited monthly using Average Daily Balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid monthly using daily average method.Any balance | 0.05% | $5 | Paid monthly using daily average method. |
Sources (2)
All captured Oct 16, 2026
IRA Savings
0.02%APY
Dividends compounded and credited quarterly based on Average Daily Balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid quarterly using daily average method. Minimum opening deposit of $50.00 required.Any balance | 0.02% | $2 | Paid quarterly using daily average method. Minimum opening deposit of $50.00 required. |
Sources (2)
All captured Oct 16, 2026
Who can join Total Community Credit Union
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