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 April 1st, 2023.
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 | 0.40% |
| $50,000 - $74,999.99 | 0.65% |
| $75,000 - $99,999.99 | 0.75% |
| $100,000 - 149,999.99 | 1.51% |
| $150,000 - $174,999.99 | 2.02% |
| $175,000 - $249,999.99 | 2.27% |
| $250,000 and above | 2.53% |
*APY=Annual Percentage Yield. The rate may change any time after the account is opened. Account fees could reduce the earnings on the account.
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 | 2.78% |
| 1 Year | 3.03% |
| 2 Year | 3.29% |
| 3 Year | 3.29% |
| 4 Year | 2.78% |
| 5 Year | 2.78% |
*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 April 1st, 2023.
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 | 0.40% |
| $50,000 - $74,999.99 | 0.65% |
| $75,000 - $99,999.99 | 0.75% |
| $100,000 - 149,999.99 | 1.51% |
| $150,000 - $174,999.99 | 2.02% |
| $175,000 - $249,999.99 | 2.27% |
| $250,000 and above | 2.53% |
*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 April 1st, 2023.
IRA Certificate Rates
| Term | APY* |
|---|---|
| 6 month | 2.78% |
| 1 Year | 3.03% |
| 2 Year | 3.29% |
| 3 Year | 3.29% |
| 4 Year | 2.78% |
| 5 Year | 2.78% |
*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 April 1st, 2023.