Credit union · NCUA insured
TRI-CU Savings Rates
TRI-CU’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How TRI-CU’s savings rates compare
Compared with banks and credit unions near Kennewick, WA, where TRI-CU has the most branches. $10,000, best rate first.
This credit union’s best
TRI-CU
0.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
ICCU
3.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
TRI-CU savings score
76
Savings score
Higher than 42% of U.S. banks and credit unions
- $1,000 balance$1,0002.33%
- $10,000 balance$10,0000.37%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.37%
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 TRI-CU 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
0.15%APY
Begin with a $2,500 minimum balance. High dividends as balance grows, flexible access to withdraw or transfer, federally insured up to $250,000 by NCUA. Calculated on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance under $2,500. Calculated on daily balance. | 0.00% | — | Balance under $2,500. Calculated on daily balance. |
| $2,500 – $14,999Balance $2,500 to $14,999. Calculated on daily balance. | 0.15% | $15 | Balance $2,500 to $14,999. Calculated on daily balance. |
| $15,000 – $49,999Balance $15,000 to $49,999. Calculated on daily balance. | 0.20% | — | Balance $15,000 to $49,999. Calculated on daily balance. |
| $50,000 – $99,999Balance $50,000 to $99,999. Calculated on daily balance. | 0.25% | — | Balance $50,000 to $99,999. Calculated on daily balance. |
| $100,000 – $249,999Balance $100,000 to $249,999. Calculated on daily balance. | 0.35% | — | Balance $100,000 to $249,999. Calculated on daily balance. |
| $250,000 and upBalance of $250,000 and above. Calculated on daily balance. | 0.45% | — | Balance of $250,000 and above. Calculated on daily balance. |
Share Savings
0.37%APY on $10,000
One per member on primary share-savings account to earn 5% APY on the first $500. Standard dividends apply to balances exceeding $500, or for secondary/auxiliary savings accounts. $50 minimum balance to receive dividends. No monthly fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 4.89% |
| Over $500 | 0.15% |
On $10,000 the tiers blend to about 0.37% APY, earning $37 a year.
Secondary & Auxiliary Savings
0.14%APY on $10,000
Ideal as secondary account. Earns standard dividends. Special 5% dividend is not available on secondary/auxiliary accounts. $50 minimum balance to receive dividends. No monthly fees.
| Part of the balance | Rate on that part |
|---|---|
| Over $500 | 0.15% |
On $10,000 the tiers blend to about 0.14% APY, earning $14 a year.
Special-purpose accounts
Christmas Club
0.39%APY on $10,000
Holiday Savings Accounts held until Nov 20th. One per member. $5 minimum balance to earn dividends. Earn 5% APY on the first $500; standard dividends apply to balances exceeding $500.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 4.89% |
| Over $500 | 0.15% |
On $10,000 the tiers blend to about 0.39% APY, earning $39 a year.
Treasure Trove Kid's Club
0.39%APY on $10,000
Accounts for kids ages 0-12. One per child. $5 minimum balance. Earn 5% APY on the first $500; standard dividends apply to balances exceeding $500. Includes gifts/prizes with deposits.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 4.89% |
| Over $500 | 0.15% |
On $10,000 the tiers blend to about 0.39% APY, earning $39 a year.
Who can join TRI-CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Benton or Franklin County, Washington.
Employers and groups
- Membership is open to IBEW #112 Electricians.
Family and household
- Membership is open to immediate family of eligible individuals/members.
Cost to join
- A minimum share deposit of $5.00 is required to establish membership (value of one share).
- A $30 deposit is required to open an account online.
Membership information collected October 4, 2026.