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Trusted Since 1935

Tucson Old Pueblo Rates

Browse our current rates below for TOPCU Savings products.

All Deposit Rates

All Deposit Rates

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Certificates (CDs)

Certificates (CDs)

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Money Market

Money Market

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Savings Accounts

Savings Accounts

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Loans

Loans

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Auto Loans

Auto Loans

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Rise High Savings Account

Rise High savings accounts give you a dedicated account to separate your savings into to save for short or long term goals.

  • Open multiple Regular Share Savings to achieve different goals.
  • Online savings accounts offer easy transfers using Online Banking and our Mobile app.
  • Make unlimited deposits
  • Access your funds immediately.
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.

Money Market  Savings

Reach new heights with a Money Market Account. As your savings grows, your interest rate increases too!

  • Open multiple Regular Share Savings to achieve different goals.
  • Online savings accounts offer easy transfers using Online Banking and our Mobile app.
  • Access your funds immediately.
Tier APY*
$0 – $2,499.99 0.01%
$2,500 – $9,999.99 0.30%
$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 2.50%
$175,000 – $249,999.99 2.90%
$250,000 and above 3.20%

*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.

Share Certificate (CD)

A Certificate of Deposit offers a reliable and safe method to grow your savings. Our attractive CD rates get you even closer to your goals!

  • Open multiple Regular Share Savings to achieve different goals.
  • Online savings accounts offer easy transfers using Online Banking and our Mobile app.
  • Access your funds immediately.
Term APY*
6 month 3.80%
1 Year 4.50%
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.  

  IRA Savings

Whether you’re transferring a 401K or embarking on retirement planning, an Individual Retirement Account (IRA) provides an excellent starting point. It’s a smart way to accumulate savings for your golden years and can also reduce your tax burden.

Tier APY*
$0 – $2,499.99 0.01%
$2,500 – $9,999.99 0.30%
$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 2.50%
$175,000 – $249,999.99 2.90%
$250,000 and above 3.20%

*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.

IRA Certificate Rates

Whether you’re transferring a 401K or embarking on retirement planning, an Individual Retirement Account (IRA) provides an excellent starting point. It’s a smart way to accumulate savings for your golden years and can also reduce your tax burden.

Term APY*
6 month 3.80%
1 Year 4.50%
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 June 19th, 2024.  

Regular Share Savings

Become a member and part-owner of the credit union with this simple savings account designed to kickstart your financial future. Deposit $5 in your TOPCU Share Savings Account and gain access to all our products, services, and member benefits.

  • Open multiple Regular Share Savings to achieve different goals.
  • Online savings accounts offer easy transfers using Online Banking and our Mobile app.
  • Access your funds immediately.
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.  

Special Rate Certificates

Rise High savings accounts give you a dedicated account to separate your savings into to save for short or long term goals.

  • Open multiple Regular Share Savings to achieve different goals.
  • Online savings accounts offer easy transfers using Online Banking and our Mobile app.
  • Access your funds immediately.
Term APY*
10 Month 5.00%
15 Month 4.00%

*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.  Dividends on Certificates are compounded and posted monthly. Early Withdrawal penalties for all Certificates: Maturity of less than 1 year – Loss of 30 days earned interest Maturity of less than 3 years – Loss of 90 days earned interest Maturity of 3 years or more – Loss of 180 days earned interest

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.

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