Credit union · NCUA insured
Transit Operations Federal Credit Union Savings Rates
Transit Operations Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Shares (Savings). Rates checked October 16, 2026.
How Transit Operations Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Transit Operations Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Transit Operations Federal Credit Union
0.10%APY
- Minimum
- $35
- Earns on $10,000 a year
- $10
Shares (Savings)
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
Transit Operations Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Operations 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.
Shares (Savings)
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $35 and upMinimum balance to maintain is $35.0.$35 and up | 0.10% | $10 | Minimum balance to maintain is $35.0. |
Sources (1)
- tofcu.org/savings-rates · captured Sep 18, 2026
Special-purpose accounts
IRA
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to maintain is $5.$5 and up | 0.10% | $10 | Minimum balance to maintain is $5. |
Sources (1)
- tofcu.org/savings-rates · captured Sep 18, 2026
Vacation and Christmas Clubs
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to maintain is $5.$5 and up | 0.10% | $10 | Minimum balance to maintain is $5. |
Sources (1)
- tofcu.org/savings-rates · captured Sep 18, 2026
Who can join Transit Operations Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Amalgamated Transit Union Local #1005 are eligible for membership.
- Employees of the St. Paul Greyhound Bus Depot are eligible for membership.
- Employees of the North Oaks Golf Club are eligible for membership.
- Members of TMSA are eligible for membership.
Military, government and schools
- Employees of the Transportation Division of the Metropolitan Council, St Paul, MN are eligible for membership.
Family and household
- Immediate family members of individuals eligible for membership are eligible to join.
2 more ways to join
Family and household
- Household members are welcome to join.
Other ways
- Retirees who are pensioners or annuitants of qualifying employer groups or associations are eligible for membership.
Membership information collected October 4, 2026.