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Deposit Products

Share Draft Checking

Experience the power of one of the best checking accounts available. With a TDFCU's Share Draft Checking account; there are no minimum balance requirements and no per check charge. To access your account you will receive a free Debit MasterCard, free Internet Account Access (T-Access), free electronic statements, the ability to use over 1,900 shared branch locations and access to over 100,000 surcharge-free ATMs.

With our Share Draft Checking account, you can get connected to your funds and enjoy the freedom of access from anywhere at anytime. For added benefits, sign up for direct deposit or payroll allotment; use our free Web Bill Pay and just in case you need it apply for overdraft protection. Once you are connected, you may only visit a branch when you want to say hello to our friendly, professional staff.

Click here for Access and Convenience information.

Share Saving Account

Use this account as a good starting point for saving six months of your monthly expenses for emergency use. With our tiered interest rates, the more you save the more you earn. Consider direct deposit or payroll allotment to make saving easy. A limited Debit MasterCard can be used for withdrawals and Internet Account Access (T-Access) and electronic statements can be used for managing your account.

Click here for Share Saving Account rates.

Money Market Account

Increase your interest earning capability and maintain liquidity with our tiered interest rate Money Market Account. You can access funds in this account through Internet Account Access (T-access) or you can order checks for your account. To open a Money Market account, there is a $1,500 minimum balance requirement.

Click here for Money Market Account rates.

Holiday Share Account

Enjoy your holiday by removing some of the stress. Use payroll allotment or make deposits at anytime for a fast, easy way to save for the holidays. No withdrawals are allowed until the account redeems on October 31, every year.

Click here for Holiday Share Account rates.

Certificate Accounts

Want a higher interest rate, consider a fixed term fixed interest rate certificate account. To open a certificate account only $500 minimum deposit is required. Choose a certificate term of 3 months, 6 months, 9 months, 12 months, 15 months, 2 years, 3 years, 4 years or 5 years. In addition, if you have $100,000 or more and would like to take your time to decide exactly what you want to do with it, we offer a jumbo certificate with a minimum deposit of $100,000 or more. The jumbo certificate is a 30 day certificate that automatically renews for 30 days at maturity.

Click here for Certificate Account rates.

Booster Certificate

Implement a regular saving program at a higher rate. Open a 12 month fixed rate Booster Certificate for $250 and deposit a minimum of $50 when ever you can and watch your savings grow. This is a great product for planning for the future. When the Booster Certificate matures you will be ready for a higher rate longer term product.

Click here for Booster Certificate rates

IRA Share Account (Individual Retirement Account)

Establish a Roth or Traditional IRA. Use our Individual Retirement Accounts to build your retirement savings. Make an ongoing contribution each year to accumulate the maximum amount you can contribute each year. Enjoy higher earnings of our tiered interest rate. At your convenience open an IRA certificate to earn higher rates.

Enjoy safe and easy saving for retirement that is insured up to $250,000 by a federal agency, the National Credit Union Administration.

Consider transferring your employer 401k cash value retirement saving to a Treasury Department Federal Credit Union individual retirement account for safe, consistent and insured saving growth.

Click here for IRA Share Account rates.

IRA Certificate Accounts

Let your savings grow faster with a IRA certificate account. A minimum $500 deposit will get you started with certificate terms of 12 to 60 months. Transfer funds from your IRA Share Account to increase your retirement potential earnings.  No additions can be made to IRA certificates, except at maturity or to an IRA Booster Certificate, which requires a minimum of $50. 

Click here for IRA Certificate rates.