Credit union · NCUA insured
Town & Country Federal Credit Union Savings Rates
Top CarrotTown & Country Federal Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Town & Country Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, ME, where Town & Country Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Town & Country Federal Credit Union
1.26%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $126
Money Market
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
Town & Country Federal Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0002.53%
- QualifiedQualified1.26%
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 Town & Country 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
1.26%APY
Dividends compounded monthly and credited monthly. Rates may change after the account is open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $9,999Dividends compounded monthly and credited monthly. | 1.01% | — | Dividends compounded monthly and credited monthly. |
| $10,000 – $24,999Dividends compounded monthly and credited monthly. | 1.26% | $126 | Dividends compounded monthly and credited monthly. |
| $25,000 – $49,999Dividends compounded monthly and credited monthly. | 1.51% | — | Dividends compounded monthly and credited monthly. |
| $50,000 – $99,999Dividends compounded monthly and credited monthly. | 2.27% | — | Dividends compounded monthly and credited monthly. |
| $100,000 – $249,999Dividends compounded monthly and credited monthly. | 2.53% | — | Dividends compounded monthly and credited monthly. |
| $250,000 and upDividends compounded monthly and credited monthly. | 3.04% | — | Dividends compounded monthly and credited monthly. |
Sources (1)
- tcfcu.com/rates/deposit-account-rates · captured Oct 7, 2026
Savings Account
0.10%APY
Establishes membership at Town & Country Federal Credit Union; must maintain $25 within account at all times to remain a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly and credited monthly. Rates may change after the account is open.Any balance | 0.10% | $10 | Dividends compounded monthly and credited monthly. Rates may change after the account is open. |
Sources (2)
All captured Oct 7, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
0.20%APY
Offers Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. Subject to annual contribution limits ($7,000 in 2023/2024 plus $1,000 catch-up for ages 50+).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly and credited monthly. Rates may change after the account is open.Any balance | 0.20% | $20 | Dividends compounded monthly and credited monthly. Rates may change after the account is open. |
Sources (2)
All captured Oct 7, 2026
Holiday Club
0.10%APY
Funds released on October 15th for holiday shopping.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly and credited quarterly. Rates may change after the account is open.Any balance | 0.10% | $10 | Dividends compounded quarterly and credited quarterly. Rates may change after the account is open. |
Sources (2)
All captured Oct 7, 2026
Vacation Club
0.10%APY
Includes 6 free transactions per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly and credited quarterly. Rates may change after the account is open.Any balance | 0.10% | $10 | Dividends compounded quarterly and credited quarterly. Rates may change after the account is open. |
Sources (2)
All captured Oct 7, 2026
Youth Savings Account
0.10%APY
For ages 17 and under with joint ownership for parents, grandparents, or guardian. Once a teenager turns 18, a $25 minimum balance is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly and credited monthly. Rates may change after the account is open.Any balance | 0.10% | $10 | Dividends compounded monthly and credited monthly. Rates may change after the account is open. |
Sources (2)
All captured Oct 7, 2026
Who can join Town & Country 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
- Individuals who live, work, attend school, or worship in Cumberland or York County, Maine are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Family members of individuals eligible through Cumberland or York County residency/work/school/worship, or of current credit union members, are eligible for membership.
Membership information collected October 4, 2026.