Credit union · NCUA insured
Transportation Federal Credit Union Savings Rates
Top CarrotTransportation Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Share Account. Rates checked October 22, 2026.
How Transportation Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Transportation Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Transportation Federal Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
Momentum Savings
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
Transportation Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.15%
- 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 Transportation 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 Share Account
1.00%APY
Requires a $2,500 minimum deposit to open and maintain; balances falling below $2,500 may be transferred to Share Savings. Dividends are compounded and paid monthly using the daily balance method. Up to 3 minimum $500 withdrawals permitted.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance of $2,500 required to earn APY. | 0.75% | — | Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance of $2,500 required to earn APY. |
| $10,000 – $19,999Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance required to earn APY. | 1.00% | $100 | Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance required to earn APY. |
| $20,000 – $49,999Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance required to earn APY. | 1.10% | — | Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance required to earn APY. |
| $50,000 and upDividends calculated using the daily balance method, compounded and paid monthly. Minimum balance required to earn APY. | 1.15% | — | Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance required to earn APY. |
Sources (3)
- transfcu.org/money-market-share-account
- transfcu.org/rates
- transfcu.org/wp-content/upload…n-Savings-8.5x11-PDF.pdf
All captured Sep 19, 2026
Momentum Savings
Up to 1.00%APY
Tiered interest-bearing reward savings account. Must be linked to an Xcelerate High-Yield Checking or Xcelerate CashBack Checking account. Limited to one account per membership. No minimum balance requirement to open or maintain. Dividends credited and compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies to balances $100,000 and under when linked rewards checking meets monthly qualifications (15 debit card purchases, 1 direct deposit/ACH debit or credit transaction, and eStatements). | 1.00% | $100 | Applies to balances $100,000 and under when linked rewards checking meets monthly qualifications (15 debit card purchases, 1 direct deposit/ACH debit or credit transaction, and eStatements). |
| Any balanceEarned on all balances if monthly qualifications on linked checking account are not met. | 0.05% | $5 | Earned on all balances if monthly qualifications on linked checking account are not met. |
| Over $100,000Applies to balance portion $100,000.01 and over when linked rewards checking meets monthly qualifications. | 0.50% | — | Applies to balance portion $100,000.01 and over when linked rewards checking meets monthly qualifications. |
Sources (2)
All captured Sep 19, 2026
Share Savings
0.10%APY
Must maintain $5 minimum balance. A $2.00 monthly account maintenance fee applies beginning 2 years after account opening, but is waived if maintaining a $250 combined daily balance in shares and checking, having a loan or VISA, or if under 22 years of age. Excess share withdrawals over 3 per month incur a $5.00 fee (exempt if maintaining a $2,000 Share Savings balance). Dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (4)
- transfcu.org/fees-disclosures
- transfcu.org/rates
- transfcu.org/savings-accounts
- transfcu.org/wp-content/upload…n-Savings-8.5x11-PDF.pdf
All captured Sep 19, 2026
Special Purpose Savings Account
0.10%APY
Save toward vacation, special event, taxes or other specific goals. Dividends paid monthly. Withdrawal restrictions apply. $5 suggested opening deposit; $5 minimum balance required to earn APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (3)
- transfcu.org/savings-accounts
- transfcu.org/wp-content/upload…n-Savings-8.5x11-PDF.pdf
- transfcu.org/rates
All captured Sep 19, 2026
Special-purpose accounts
Coverdell Education Savings Account
0.10%APY
Can be established for a child up to age 18. Contributions limited to $2,000 per year per child. Funds must be withdrawn by age 30 or transferred to another eligible family child. $25 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- transfcu.org/individual-retirement-accounts
- transfcu.org/rates
- transfcu.org/wp-content/upload…n-Savings-8.5x11-PDF.pdf
All captured Sep 19, 2026
Holiday Savings
0.10%APY
Matures on the last day of October each year with funds automatically transferred in early November. Withdrawal restrictions apply. $5 suggested opening deposit; $5 minimum balance required to earn APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (3)
- transfcu.org/savings-accounts
- transfcu.org/wp-content/upload…n-Savings-8.5x11-PDF.pdf
- transfcu.org/rates
All captured Sep 19, 2026
IRA Share Savings
0.10%APY
Available as Traditional IRA or Roth IRA share savings. No term deposit requirements. $25 minimum opening deposit. An annual IRA maintenance fee of $35 applies if balance is under $250. IRA early withdrawal fee of $35 applies if under age 59 1/2.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnnual maintenance fee of $35 charged if balance is under $250.Any balance | 0.10% | $10 | Annual maintenance fee of $35 charged if balance is under $250. |
Who can join Transportation 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 featured employer groups, eligible organizations, and Strategic Partners qualify for membership.
Military, government and schools
- Active or retired employees, military personnel, or contractors of specified transportation government agencies qualify for membership.
Family and household
- Immediate family members and household members of eligible employees/affiliates are eligible to join.
Other ways
- Individuals can join by becoming a member of the American Consumer Council.
Cost to join
- Each member must have one $5 share in the credit union.
Membership information collected October 4, 2026.