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Saving Rates

Regular Share, Additional Share, Holiday Share Accounts

Balance TiersDividend RateAnnual Percentage Yield
Over $50,0000.090%0.090%
$15,000.01 to $50,0000.090%0.090%
$5,000.01 to $15,0000.050%0.050%
$1 to $5,0000.050%0.050%

IRA Share Account

Balance TiersAnnual Dividend RateAnnual Percentage Yield
Over $50,0000.090%0.090%
$15,000.01 to $50,0000.090%0.090%
$5,000.01 to $15,0000.050%0.050%
$1 to $5,0000.050%0.050%

Money Market Accounts

Balance TiersAnnual Dividend RateAnnual Percentage Yield
Over $50,0000.190%0.190%
$35,000.01 to $50,000.000.150%0.150%
$15,000.01 to $35,000.000.110%0.110%
$1,500.00 to $15,000.000.070%0.070%

Certificate RatesAnnual Percentage RateAnnual Percentage Yield
3 months0.15%0.15%
6 months0.20%0.20%
7 months0.20%0.20%
9 months0.30%0.30%
12 months0.70%0.70%
12 months (Booster)0.60%0.60%
15 months0.70%0.70%
24 months0.70%0.70%
36 months0.70%0.70%
48 months0.80%0.80%
60 months0.99%1.00%
Jumbo0.20%0.20%

IRA Certificate RatesAnnual Percentage RateAnnual Percentage Yield
12 months0.80%0.80%
12 months (Booster)0.60%0.60%
15 months0.80%0.80%
24 months0.80%0.80%
36 months0.80%0.80%
48 months0.90%0.90%
60 months1.09%1.10%
  1. Current rates as of July 1, 2020. Rates subject to change. The Annual Percentage Yield (APY) reflects the total amount of dividends to be paid on an account based on the dividend rate and the frequency of compounding for an annual period. The APY is based on an assumption that dividends will remain on deposit until maturity.  Fees (where applicable) may reduce APY.
  2. The minimum deposit to open a Regular Share (Saving) account is $10, an Additional Share (Saving) account, Holiday Share (Saving) account, and IRA Share (Saving) account is $1; a Certificate account is $500, Jumbo Certificate is $100,000,a Booster Certificate account is $250 and a Money Market account is $1,500.
  3. Regular Share (Saving), Additional Share (Saving), Holiday Share (Saving), IRA Share (Saving) and Money Market accounts are compounded monthly and credited monthly. Certificate accounts are compounded daily and credited monthly.
  4. You may add a minimum of $50 at any time to your Booster account during the term of the product.
  5. A penalty will be imposed for early withdrawal from all certificates.
  6. For complete account information please refer to TDFCU's Truth-in-Saving disclosure, Account Agreement and schedule of fees.
  7. An early withdrawal penalty will be imposed for withdrawals before maturity of the certificate account. The entire certificate must be closed. If your account has an original maturity of one year or less, the penalty will be the lower of 90 days dividends on the amount withdrawn or the total dividend earned on the account since renewal. If your account has an original maturity of more than one year, the penalty will be the lower of 180 days dividend earned on the account since renewal.