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Savings

Whether saving for a vacation, or for long-term goals, you’ll find many ways to save with our savings accounts, share certificates, money market accounts and Individual Retirement Accounts (IRAs).

Savings Account

A savings account is all you need to get started as a member at TTCU. Your savings deposits are called “shares,” which are capital investments that make you an owner of our credit union.

  • $5 initial deposit
  • Dividends paid quarterly*
  • Access your savings account through online banking, by phone, by mail, payroll deduction or electronic deposit / withdrawal. Deposits to your savings account also can be made at a night depository at any branch.
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Certain transactions are limited to six per month. * $25 minimum average balance to receive dividends.

read more about savings accounts

ATM Access Account

 

This savings account gives you 24/7 access to your funds for a small monthly fee of $10. Receive dividends on your balance and so much more!**

  • Unlimited ATM withdrawals
  • No credit score qualification
  • Earns dividends
  • $5 Opening Deposit
  • Free telephone banking
  • Free eStatements

Visit a branch location today to open your ATM Access Account!

 

** ATM transactions may be subject to surcharge fees charged by the individual ATM owner. Some restrictions apply.

Share Certificate

A share certificate (cd) differs from regular savings account. Higher dividend rates are earned as you lock in your deposits for a specified period of time.

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read more about share certificates (cd's)

Ready, Set, Grow

A 6-month specialty certificate for younger members just getting started.

  • Quarterly dividends
  • Maximum age of 35 years old
  • Lower entry point - $300 minimum opening deposit
  • $5,000 maximum balance
  • Not renewable

 

Flex

An 18-month specialty certificate of deposit for members interested in growing their savings, but needing flexibility for unexpected expenses.

  • Quarterly dividends
  • Automatically renews
  • $5,000 minimum opening deposit
  • Additional deposits must be $1,000 or more
  • Withdrawals limited to one per quarter

 

Income

A 6- to 48-month specialty share certificate of deposit for members who want a high-rate of return, but also need monthly income.

  • Monthly dividends
  • Automatically renews
  • $100,000 minimum opening deposit

Money Market

A money market account gives you easy access to a higher dividend paying account.

  • $2,500 minimum deposit
  • Dividends paid monthly
  • Requires subsequent deposits of $100 or more
  • Minimum withdrawal of $100
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Certain transactions are limited to six per month.

Individual Retirement Account

An IRA is a tax-sheltered account that allows you to save on taxes while saving for retirement or other needs.* Relax as we take care of all of the necessary reporting and paperwork required by the IRS. We’ll also handle the rollover or transfer of an existing IRA to TTCU to ensure that all requirements are met.

  • $25 minimum deposit for Individual Retirement Accounts
  • $1,000 minimum deposit for IRA Certificates
  • No required subsequent deposits, setup or maintenance fees
  • Dividends paid quarterly
  • Traditional IRA
  • Roth IRA
  • Traditional IRA Certificates (9- to 60-month terms available)
  • Roth IRA Certificates (9- to 60-month terms available)
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* Please consult your tax adviser.

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