Deposit Rates

Browse our current rates below for TOPCU Savings products.

TOPCU offers a number of ways to help you save and build a strong financial foundation.

Savings Rates

Type APY*
Savings 0.01%
Checking** 0.01%

*APY=Annual Percentage Yield. The rate may change any time after the account is opened. Account fees could reduce the earnings on the account.**Applies to Classic Checking account only. Rates are current as of August 14th, 2018.  

Money Market Savings Rates

Tier APY*
$2,500 - $4,999.99 0.05%
$5,000 - $24,999.99 0.05%
$25,000 - $49,999.99 0.10%
$50,000 - $99,999.99 0.15%
$100,000 and above 0.20%

*APY=Annual Percentage Yield. The rate may change any time after the account is opened. Account fees could reduce the earnings on the account. Rates are current as of August 14th, 2018.  

Important Notice: For savings and money market savings, transaction limitations apply. Under federal regulations, up to six (6) withdrawals and/or transfers are allowed from your account to another Credit Union account or to a third party per monthly statement cycle by pre-authorized transfer and telephone/electronic transfer. This includes transfers from your savings or money market savings to cover checks for overdraft protection or automatic bill payments. If the account permits transfers by check, no more than three (3) of the six (6) limited transfers may be made by check. There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail, or in person at TOPCU.

 

Share Certificate Rates

Term APY*
6 month 0.35%
1 Year 0.40%
2 Year 0.75%
3 Year 0.75%
4 Year 0.75%
5 Year 0.75%

*APY=Annual Percentage Yield. Dividends are paid and compounded quarterly 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 August 14th, 2018.  

IRA Savings Rates

Tier APY*
$0 - $2,499.99 0.00%
$2,500.00 - $4,999.99 0.05%
$5,000 - $24,999.99 0.05%
$25,000 - $49,999.99 0.10%
$50,000 - $99,999.99 0.15%
$100,000+ 0.20%

*APY=Annual Percentage Yield. The rate may change any time after the account is opened. Account fees could reduce the earnings on the account. Rates are current as of August 14th, 2018.

IRA Certificate Rates

Term APY*
6 month 0.10%
1 Year 0.15%
2 Year 0.25%
3 Year 0.38%
4 Year 0.59%
5 Year 0.75%

*APY=Annual Percentage Yield. Dividends are paid and compounded quarterly from date of deposit. Penalty for early withdrawal will apply. Account fees could reduce the earnings on the account. Rates are current as of August 14th, 2018.