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 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 February 22nd, 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 February 22nd, 2024.

Rise High Yield Savings Rates

Tier APY*
$0 - $2,500 3.00%
$2,500.01 and above 3.00% -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 3.00%-0.01% APY on balances of more than $2,500.01. Rates are current as of February 22nd, 2024. and subject to change.

and above

Share Certificate Deposit (CD) Rates

Term APY*
6 month 4.06%
1 Year 5.13%
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 February 22nd, 2024.  

Rise High Yield Savings account Earn 3.00% annual percentage yield 

(APY)1 on the first $2,500 in the account.

1 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 3.00%-0.01% APY on balances of more than $2,500.01. APY effective 06/12/2023 and subject to change.

IRA 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 February 22nd, 2024.

IRA Certificate Rates

Term APY*
6 month 4.06%
1 Year 5.13%
2 Year 3.82%
3 Year 3.30%
4 Year 3.04%
5 Year 3.04%

*APY=Annual Percentage Yield. Dividends are paid and compounded monthly from date of deposit. Rates are subject to change without notice. Penalty for early withdrawal will apply. Account fees could reduce the earnings on the account. Rates are current as of February 22nd, 2024.