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Trusted Since 1935

All Deposit Rates Accounts

Browse our current rates below for TOPCU Savings products.

Competitive Rates

We’re not-for-profit so we can offer higher savings accounts interest rates and dividends.

24/7 Access

Manage your savings account using Online and Mobile Banking or our call us or stop by a branch.

Federally Insured

Your deposits are insured by NCUA up to $250,000 so you don’t need to worry about the markets.

Easy to Open

Simply check if you’re eligible click joing topcu then get started with a $5 deposit.

Type APY*
Savings 0.01%
Checking** 0.01%

*APY=Annual Percentage Yield. The rate may change at any time after the account is opened. Rates are subject to change without notice. Account fees could reduce the earnings on the account.**Applies to Rewards & Classic Checking accounts only. Rates are current as of June 19th, 2024.  

Money Market Savings Rates

Tier APY*
$0 – $2,499.99 0.01%
$2,500 – $9,999.99 0.35%
$10,000 – $24,999.99 0.35%
$25,000 – $49,999.99 0.65%
$50,000 – $74,999.99 0.80%
$75,000 – $99,999.99 1.50%
$100,000 – 149,999.99 2.25%
$150,000 – $174,999.99 2.75%
$175,000 – $249,999.99 3.04%
$250,000 and above 3.30%

*APY=Annual Percentage Yield. The rate may change any time after the account is opened. Rates are subject to change without notice. Account fees could reduce the earnings on the account. Rates are current as of June 19th, 2024.

Rise high Savings Account

Tier APY*
$0 - $2,500 3.00%
$2,500.01 and above 0.01%

*APY = Annual Percentage Yield. No minimum balance required. Rise High Yield Savings account annual percentage yield (APY) Rates are subject to change after account opening.  3.00% APY on balances up to $2,500, and 0.01% APY on balances of more than $2,500.01. Rates are current as of June 19th, 2024. and subject to change.

Share Certificate (CD)

Term APY*
6 month 4.06%
10 month 5.00%
12 month 4.50%
15 month 4.00%
2 Year 3.82%
3 Year 3.30%
4 Year 3.04%
5 Year 3.04%

*APY=Annual Percentage Yield. Rates are subject to change without notice. Dividends are paid and compounded Monthly from date of deposit and are available for withdrawal. Penalty for early withdrawal will apply. Fees could reduce the earnings on this account. Rates are current as of June 19th, 2024.  

All About Accessibility

Revolutionize Your Banking with The TOPCU App

Check deposits, loan payments, and fund transfers are at your fingertips. Plus, get insights into your spending, access your credit score, and link all your external accounts for a full financial picture.

Explore TOPCU’s Solutions

Your Choices, Your Finances Discover

From innovative banking solutions to competitive loan options, we empower you to make informed decisions for a secure financial future. Explore with us and shape your financial journey, your way.

Savings

High-yield savings to maximize your financial growth

Learn More > 

Checking/Debit

Earn rewards with every transaction you make.

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Investments

Grow your wealth with personalized investment solutions.

Learn More > 

Solar Loans

Finance your eco-friendly solar projects easily.

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Free Credit Score

Instant access to monitor your financial health.

Learn More > 

Auto Loans

Competitive rates for new or used vehicles.

Learn More > 

Trusted Since 1935

Join a Thriving Community

TOPCU isn’t just a credit union; it’s a community.

Trusted by 20000+ around in the greater Tucson community

I have been banking at TOPCU for about 9 yrs. The tellers are always aware of my banking habits. They consistently let me know when 2.00 bills are available. Even when ot is isn't holiday time. I may not be a millionaire but they treat me like one.


Trudy Wells
Google review

I have been banking at TOPCU for about 9 yrs. The tellers are always aware of my banking habits. They consistently let me know when 2.00 bills are available. Even when ot is isn't holiday time. I may not be a millionaire but they treat me like one.


Steven Franklin
Global Head of Customer Service

Rob Foster

Google Review Best bank I’ve had. Excellent customer service

Rebecca Lebsack

Google Review I can’t say enough GREAT things about this bank. The employees are soooo friendly and I always leave in high spirits. They have always provided over the top customer service and will ALWAY’S go above and beyond for their customers. Thank you TOPCU for making me feel like family.

Cabins Management

Google Review As much as I would LOVE to keep Tucsons best kept secret all to my self, that would be doing injustice for these wonderful employees. Ken and Jamie both went above and beyond with helping secure and finalize our loan. I could not have asked for a better experience with a credit union. I have dealt with many loan officers and financial institutes spanning across the state of Arizona
Federally insured by NCUA up to $250,000

Join The Growing Community of Individuals & Businesses Across Tucson

Tucson Old Pueblo Credit Union opened its doors in 1935. Through the years, TOPCU has expanded services and our field of membership to serve the greater Tucson community.

Is TOPCU a Bank?

TOPCU is a not-for-profit organization that exist to serve Tucson members. Like banks, we offer direct deposit, debit cards , checking accounts, credit cards, loans, and provide a wide array of other financial service

What is a credit union?

1. Credit union resources are returned to you the member in the form of lower fees. 2. Credit unions are a more personalized way of handling personal finance; you will have a better chance at securing personal and small business loans at your local credit union. 3. Credit unions’ interest rates are lower compared to big bank rates. And, free checking is alive and well. Deposits are insured by the National Credit Union Share Insurance Fund. 4. Through CO-OP Network, members have the nation’s largest network of credit union ATMs – 28,000 surcharge-free locations (9,000 of which accept deposits)! And credit union service centers provide 4,000 nationwide shared branch locations for consumers.

Can I make Payments Online?

1. Log-in to Online Banking. or 2. Set up new electronic transfers from another financial institution by providing the following: TOPCU’s Routing Number: 13-digit number comprised of your account code, loan ID, and member number formatted as follows: First Digit Account Code: 2 (for loans) Next 2 digits: Loan ID Last 10 digits: Membership number preceded by zeros (For example, for the solar loan of member# 0000123456 with loan ID #70, you would enter 2700000123456) or 3. Mail your payment to: Tucson Old Pueblo Credit Union – 2500 E 22nd Street, Tucson, AZ 85713 4. Visit any of our branches or visit one of our shared branching locations.

Do you offer Skip a Pay?

Yes on all eligible loans .

Over 13k+ Active Installations

Home Banking App Who’s Ready for Better?

With TOPCU’s home banking app, better is not just a promise—it’s a reality. Experience a suite of features designed to make your financial life easier and more secure.

Questions?

Member Service: (520) 881-6262
Toll-Free: (800) 440-8328

Routing# 322174957 | NMLS# 441750

We actively work to increase accessibility and usability of our website to everyone.
If you are having difficulty using this website, please call (800) 440-8328,
or email us at info@topcu.org during regular business hours for assistance.
All products and services available on this website are available at all TOPCU branches.

Tucson Old Pueblo Credit Union ©2024 | PO Box 27026, Tucson, AZ 85726-7026
Federally Insured by NCUA