Credit union · NCUA insured
Transit Employees Federal Credit Union Savings Rates
Transit Employees Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Paramount Money Market. Rates checked October 22, 2026.
How Transit Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Transit Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Transit Employees Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $100
Paramount Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Transit Employees Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.75%
- QualifiedQualified1.00%
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 Transit Employees 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.
Paramount Money Market
1.00%APY
Dividends compounded and credited monthly; Dividend period is calendar month; Minimum balance to earn dividends is $0.01; Balance method is average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. | 0.25% | — | Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. |
| $2,500 – $10,000Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. | 0.50% | — | Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. |
| $10,000 – $25,000Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. | 1.00% | $100 | Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. |
| $25,000 – $100,000Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. | 1.75% | — | Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. |
| $100,000 – $200,000Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. | 2.75% | — | Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. |
| $200,000 and upMinimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. | 3.75% | — | Minimum balance to earn dividends is $0.01; Dividends compounded and credited monthly; Average daily balance method. |
Sources (2)
All captured Sep 19, 2026
Regular Shares
0.30%APY
Membership requires a $25.00 deposit into a Share Savings Account which remains on hold for the lifetime of membership. Average daily balance method used to calculate dividends; compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn dividends is $25.00.$25 and up | 0.30% | $30 | Minimum balance to earn dividends is $25.00. |
Sources (2)
All captured Sep 19, 2026
Special Savings
0.10%APY
Average daily balance method used to calculate dividends; compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01.Over $0 | 0.10% | $10 | Minimum balance to earn dividends is $0.01. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRAs (Traditional/Roth/Educational)
0.75%APY
Available as Traditional, Roth, or Coverdell/Educational IRA savings account. Average daily balance method used to calculate dividends; compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to earn dividends is $0.01. | 0.40% | — | Minimum balance to earn dividends is $0.01. |
| $2,500 – $10,000Minimum balance to earn dividends is $0.01. | 0.50% | — | Minimum balance to earn dividends is $0.01. |
| $10,000 – $25,000Minimum balance to earn dividends is $0.01. | 0.75% | $75 | Minimum balance to earn dividends is $0.01. |
| $25,000 – $100,000Minimum balance to earn dividends is $0.01. | 1.00% | — | Minimum balance to earn dividends is $0.01. |
| $100,000 – $200,000Minimum balance to earn dividends is $0.01. | 1.51% | — | Minimum balance to earn dividends is $0.01. |
| $200,000 and upMinimum balance to earn dividends is $0.01. | 1.76% | — | Minimum balance to earn dividends is $0.01. |
Sources (2)
All captured Sep 19, 2026
Millennial Share
0.30%APY
Youth account designed for young adults ages 18 to 24. Average daily balance method used to calculate dividends; compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to the first $1,000.00. Minimum balance to earn dividends is $25.00. | 0.70% | — | Applies to the first $1,000.00. Minimum balance to earn dividends is $25.00. |
| $1,000 and upBalances over $1,000.00 earn the Regular Share Savings rate. | 0.30% | $30 | Balances over $1,000.00 earn the Regular Share Savings rate. |
Money Mouse Share
0.30%APY
Youth account designed for ages 0 to 12. Average daily balance method used to calculate dividends; compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to the first $1,000.00. Minimum balance to earn dividends is $5.00. | 0.70% | — | Applies to the first $1,000.00. Minimum balance to earn dividends is $5.00. |
| $1,000 and upBalances over $1,000.00 earn the Regular Share Savings rate. | 0.30% | $30 | Balances over $1,000.00 earn the Regular Share Savings rate. |
eVolve Share
0.30%APY
Youth account designed for teens ages 13 to 17. Average daily balance method used to calculate dividends; compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to the first $1,000.00. Minimum balance to earn dividends is $25.00. | 0.70% | — | Applies to the first $1,000.00. Minimum balance to earn dividends is $25.00. |
| $1,000 and upBalances over $1,000.00 earn the Regular Share Savings rate. | 0.30% | $30 | Balances over $1,000.00 earn the Regular Share Savings rate. |
Holiday Club
0.10%APY
Transfers accumulated balance to regular savings annually on October 15th. Average daily balance method used to calculate dividends; compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5.00. Low balance fee is $10.00 per month.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5.00. Low balance fee is $10.00 per month. |
Sources (3)
- tefcu.org/products/services/special-savings
- tefcu.org/shares-and-savings-rates
- tefcu.org/products/services/fee-schedule
All captured Sep 19, 2026
Who can join Transit Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Amtrak are eligible to join.
- Employees of Arlington Transit are eligible to join.
- Employees of Atlantic Services are eligible to join.
- Employees of DASH Bus are eligible to join.
- Employees of The Excel Institute & Auto Repair are eligible to join.
- Employees of Kaiser Permanente are eligible to join.
12 more ways to join
Employers and groups
- Employees of Metro Access are eligible to join.
- Employees of RTA (Formerly First Transit) are eligible to join.
- Employees of TEFCU are eligible to join.
- Employees of Transdev are eligible to join.
- Employees of Washingtonian Cab Company are eligible to join.
- Employees of Washington Metropolitan Area Transit Authority (WMATA) are eligible to join.
- Employees of Yellow Cab Company of DC are eligible to join.
Military, government and schools
- Employees of Langdon Education Campus are eligible to join.
- Employees of Pathways School Crossland Campus are eligible to join.
- Employees of Pathways School Duval Campus are eligible to join.
Family and household
- Immediate family or household members of an employee that works for one of TEFCU's Select Employee Groups (SEGs) are eligible to join.
Other ways
- Persons retired as pensioners or annuitants from eligible Select Employee Group employment or TEFCU are eligible to join.
Cost to join
- A deposit of $25.00 in a membership savings account is required to open an account.
Membership information collected October 4, 2026.