Rates
Prospective rates are effective 07-25-24 - 7-31-24
All dividend rates are declared by The Board of Directors of Tinker Federal Credit Union and are subject to change at any time. Rates on accounts (i.e., Share, Share Draft, IRA Share, Command Fund and Premium Plus) may change after the account is opened. A $5 minimum deposit and balance in your primary share (savings) account is required to establish membership with TFCU.
Premium Plus – Minimum Balance to Open: $10,000
| Average Balance | Dividend Rate | APY* |
|---|---|---|
| $500,000 and over | 2.08% | 2.10% |
| $250,000 to $499,999 | 1.98% | 2.00% |
| $200,000 to $249,999 | 1.83% | 1.85% |
| $150,000 to $199,999 | 1.74% | 1.75% |
| $100,000 to $149,999 | 1.49% | 1.50% |
| $75,000 to $99,999 | 1.44% | 1.45% |
| $50,000 to $74,999 | 1.24% | 1.25% |
| $25,000 to $49,999 | 1.14% | 1.15% |
| $10,000 to $24,999 | 1.00% | 1.00% |
| up to $9,999 | 0.10% | 0.10% |
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit. A withdrawal of dividends may reduce earnings. Fees may reduce earnings.Accrued dividends will not be paid if closed before dividends are paid.
Starting Line Share Certificate
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $25 for share cert. | 4.26% | 4.34% |
12-month maturity, 90-day early withdrawal penalty (will renew into standard 12-month certificate if balance is $1,000 or more.) Regular deposits are encouraged.
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit until maturity. A withdrawal of dividends may reduce earnings. Fees may reduce earnings.Accrued dividends will not be paid if closed before dividends are paid.
Save & Build Certificate
| Minimum Balance | Description | Dividend Rate | APY* |
|---|---|---|---|
| $25.00 | Fixed dividend rate on balance of $5,000 or less | 2.00% | 2.02% |
| Variable dividend rate on balance more than $5,000 | 0.65% | 0.65% |
18-month maturity, 120-day early withdrawal penalty (will renew into standard 12-month certificate if balance is $1,000 or more. Will renew into starting line certificate if balance is less than $1,000.) Regular deposits are encouraged.
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit until maturity. A withdrawal of dividends may reduce earnings. Fees may reduce earnings. Accrued dividends will not be paid if closed before dividends are paid. Must be enrolled in online and mobile banking with a valid email address. Only one save & build certificate per account. Must be 18 years or older, limited to one per Tax Identification Number, must have open share draft account with TFCU, normal underwriting guidelines apply, not in bankruptcy or legal proceedings, $1,000 certificate balance – $500 line of credit (LOC) limit, $2,000 certificate balance – $1,000 LOC limit, $3,000 certificate balance – $1,500 LOC limit.
Share
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $5.00 | 0.25% | 0.25% |
A $5 minimum deposit and balance in share account establishes membership with TFCU and is required for all TFCU accounts and services.
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit. A withdrawal of dividends may reduce earnings. Fees may reduce earnings.Accrued dividends will not be paid if closed before dividends are paid.
Classic Checking (A non-dividend bearing account)
| Minimum Deposit to Open | Dividend Rate | APY* |
|---|---|---|
| $25.00 or Net Pay | 0.00% | 0.00% |
* The Annual Percentage Yield (APY)
Heritage Club Checking
| Minimum Deposit to Open | Dividend Rate | APY* |
|---|---|---|
| $0.00 or Net Pay | 0.20% | 0.20% |
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit. A withdrawal of dividends may reduce earnings. Fees may reduce earnings.Accrued dividends will not be paid if closed before dividends are paid.
Click Checking – Minimum Deposit to Open: $25.00 or Net Pay
| Description | Dividend Rate | APY* |
|---|---|---|
| Tier II – Balance of $0.01 to $50,000 If electronic standards are met according to account disclosure. | 2.47% | ** |
| Tier I – Balance of more than $50,000 If electronic standards are met according to account disclosure | 0.10% | ** |
| Base If electronic standards are not met according to account disclosure. | 0.05% | 0.05% |
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit. A withdrawal of dividends may reduce earnings. Fees may reduce earnings. Accrued dividends will not be paid if closed before dividends are paid. Meeting all of the criteria for using TFCU’s electronic services in any given month (log onto online and mobile banking, Pay minimum of one (1) bill using TFCU’s BillPay Online, minimum of ten (10) MoneyPlus purchase transactions, sign up for e-Statements and e-Notices, minimum of one (1) direct deposit or automated payment) earns you the Click rate for the month, up to a maximum balance of $50,000. Dividends on any balance over $50,000 will be paid at a lower rate. If you don’t meet the criteria in a given month, your total balance will earn a lower rate for that month. All rates attached to this account, including the Click rate, are variable and subject to change at any time, including after the account is opened.Only one Click Checking account per Taxpayer Identification Number (TIN) is allowed.
** 1.30% APY to 2.50% APY
Command Fund – Minimum Balance to Open: $2,000
| Balance | Dividend Rate | APY* |
|---|---|---|
| Balance of $2,000 or More | 0.30% | 0.50% |
| Balance up to $1,999 | 0.10% | 0.30% |
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit. A withdrawal of dividends may reduce earnings. Fees may reduce earnings.Accrued dividends will not be paid if closed before dividends are paid.
IRA Share
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| None | 0.30% | 0.30% |
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit. A withdrawal of dividends may reduce earnings. Fees may reduce earnings.Accrued dividends will not be paid if closed before dividends are paid.
Term Share (Certificate) / IRA
| Min. Balance | Term | Dividend | APY* | Early Withdrawal Penalty** |
|---|---|---|---|---|
| $500 (IRA ONLY) | 3 Mo. | 2.67% | 2.70% | 60 Days |
| 6 Mo. | 4.41% | 4.50% | 90 Days | |
| 9 Mo. | 4.31% | 4.39% | 90 Days | |
| 12 Mo. | 4.26% | 4.34% | 120 Days | |
| $1,000 | 3 Mo. | 2.67% | 2.70% | 60 Days |
| 6 Mo. | 4.41% | 4.50% | 90 Days | |
| 9 Mo. | 4.31% | 4.39% | 90 Days | |
| 12 Mo. | 4.26% | 4.34% | 120 Days | |
| 24 Mo. | 3.93% | 4.00% | 180 Days | |
| 36 Mo. | 3.83% | 3.89% | 240 Days | |
| 48 Mo. | 3.73% | 3.79% | 300 Days | |
| 60 Mo. | 3.69% | 3.75% | 360 Days | |
| $10,000 | 3 Mo. | 2.82% | 2.85% | 60Days |
| 6 Mo. | 4.56% | 4.65% | 90Days | |
| 9 Mo. | 4.46% | 4.55% | 90Days | |
| 12 Mo. | 4.41% | 4.50% | 120 Days | |
| 24 Mo. | 4.08% | 4.15% | 180Days | |
| 36 Mo. | 3.98% | 4.05% | 240Days | |
| 48 Mo. | 3.88% | 3.95% | 300Days | |
| 60 Mo. | 3.84% | 3.90% | 360Days | |
| $25,000 | 3 Mo. | 2.92% | 2.95% | 60Days |
| 6 Mo. | 4.66% | 4.76% | 90Days | |
| 9 Mo. | 4.56% | 4.65% | 90Days | |
| 12 Mo. | 4.51% | 4.60% | 120Days | |
| 24 Mo. | 4.18% | 4.26% | 180Days | |
| 36 Mo. | 4.08% | 4.15% | 240Days | |
| 48 Mo. | 3.98% | 4.05% | 300Days | |
| 60 Mo. | 3.94% | 4.01% | 360Days | |
| $50,000 | 3 Mo. | 3.02% | 3.06% | 60Days |
| 6 Mo. | 4.76% | 4.86% | 90Days | |
| 9 Mo. | 4.66% | 4.76% | 90Days | |
| 12 Mo. | 4.61% | 4.70% | 120Days | |
| 24 Mo. | 4.28% | 4.36% | 180Days | |
| 36 Mo. | 4.18% | 4.26% | 240Days | |
| 48 Mo. | 4.08% | 4.15% | 300Days | |
| 60 Mo. | 4.04% | 4.11% | 360 Days | |
| $99,000 | 3 Mo. | 3.12% | 3.16% | 60Days |
| 6 Mo. | 4.86% | 4.96% | 90Days | |
| 9 Mo. | 4.76% | 4.86% | 90Days | |
| 12 Mo. | 4.71% | 4.81% | 120Days | |
| 24 Mo. | 4.38% | 4.46% | 180Days | |
| 36 Mo. | 4.28% | 4.36% | 240Days | |
| 48 Mo. | 4.18% | 4.26% | 300Days | |
| 60 Mo. | 4.14% | 4.21% | 360 Days |
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit until maturity. A withdrawal of dividends may reduce earnings. Fees may reduce earnings. Accrued dividends will not be paid if closed before dividends are paid. Deposits may not be made after opened until maturity.
**Number of Days Dividend Lost for withdrawals made before maturity.
Term Share (Certificate) / IRA
| Min. Balance | Term | Dividend | APY* | Early Withdrawal Penalty** |
|---|---|---|---|---|
| $500 (IRA ONLY) | 3 Mo. | 2.66% | 2.69% | 60 Days |
| 6 Mo. | 4.40% | 4.49% | 90 Days | |
| 12 Mo. | 4.26% | 4.34% | 120 Days | |
| $1,000 | 3 Mo. | 2.66% | 2.69% | 60 Days |
| 6 Mo. | 4.40% | 4.49% | 90 Days | |
| 12 Mo. | 4.26% | 4.34% | 120 Days | |
| 24 Mo. | 3.78% | 3.85% | 180 Days | |
| 36 Mo. | 3.54% | 3.60% | 240 Days | |
| 48 Mo. | 3.54% | 3.60% | 300 Days | |
| 60 Mo. | 3.29% | 3.34% | 360 Days | |
| $10,000 | 3 Mo. | 2.81% | 2.85% | 60Days |
| 6 Mo. | 4.55% | 4.65% | 90Days | |
| 12 Mo. | 4.41% | 4.50% | 120 Days | |
| 24 Mo. | 3.93% | 4.00% | 180Days | |
| 36 Mo. | 3.69% | 3.75% | 240Days | |
| 48 Mo. | 3.69% | 3.75% | 300Days | |
| 60 Mo. | 3.44% | 3.50% | 360Days | |
| $25,000 | 3 Mo. | 2.91% | 2.95% | 60Days |
| 6 Mo. | 4.65% | 4.75% | 90Days | |
| 12 Mo. | 4.51% | 4.60% | 120Days | |
| 24 Mo. | 4.03% | 4.11% | 180Days | |
| 36 Mo. | 3.79% | 3.86% | 240Days | |
| 48 Mo. | 3.79% | 3.86% | 300Days | |
| 60 Mo. | 3.54% | 3.60% | 360Days | |
| $50,000 | 3 Mo. | 3.01% | 3.05% | 60Days |
| 6 Mo. | 4.75% | 4.85% | 90Days | |
| 12 Mo. | 4.61% | 4.71% | 120Days | |
| 24 Mo. | 4.13% | 4.21% | 180Days | |
| 36 Mo. | 3.89% | 3.96% | 240Days | |
| 48 Mo. | 3.89% | 3.96% | 300Days | |
| 60 Mo. | 3.64% | 3.71% | 360 Days | |
| $99,000 | 3 Mo. | 3.11% | 3.15% | 60Days |
| 6 Mo. | 4.85% | 4.96% | 90Days | |
| 12 Mo. | 4.71% | 4.81% | 120Days | |
| 24 Mo. | 4.23% | 4.31% | 180Days | |
| 36 Mo. | 3.99% | 4.06% | 240Days | |
| 48 Mo. | 3.99% | 4.06% | 300Days | |
| 60 Mo. | 3.74% | 3.81% | 360 Days |
* The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit until maturity. A withdrawal of dividends may reduce earnings. Fees may reduce earnings. Accrued dividends will not be paid if closed before dividends are paid. Deposits may not be made after opened until maturity.
**Number of Days Dividend Lost for withdrawals made before maturity.
