Triangle Credit Union | Community • Diversity • Service

Deposit Rates

Traditional CDs & IRAs

TermRateAPY%
6-11 Months0.995%1.00%
12-23 Months0.995%1.00%
24-35 Months3.203%3.25%
36-59 Months3.203%3.25%
60 Months3.203%3.25%
6 Months Special CD 4.169%4.25%
9 Months Special CD4.169%4.25%
13 Months Special CD4.169%4.25%
30 Months Special CD3.445%3.50%


Minimum balance of $1000.00 (excluding Kids Club/Teen Club) No additional deposits allowed during the term of the CD.

Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty.

If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty.

In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

*Rates are subject to change at any time*


Youth Accounts Flex CD

TermRateAPY%*
18 Months1.490%1.500%


Kids Club/Teen Club Flex CDs are available with a minimum balance of $100.00 and the ability to add deposits of $100 or more during the term of the CD.

Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity).
If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty.
If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty.
In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

*Annual Percentage Yield (APY) is stated as of 11/16/2022 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.


Premier Money Market

TierRateAPY%*
$0.01-$999.990.000%0.000%
$1,000-$9,999.990.549%0.550%
$10,000-$24,999.990.549%0.550%
$25,000-$49,999.991.982%2.000%
$50,000-$99,999.992.227%2.250%
$100,000 or more2.472%2.500%


*Annual Percentage Yield (APY) is stated as of 05/09/2023 and is subject to change without notice. A penalty fee will be assessed for additional withdrawals to Reg. D. limits. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card (if applicable), or similar order to a third party. Excess withdrawals will be assessed a $25 penalty. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.

Membership must have a combined TCU deposit balance of $50,000 or more (which includes the funds in the premier money market) and a checking account to qualify for this product. Business accounts are not eligible for this account. Please see branch for more details.


Money Market

TierRateAPY%*
$0.01-$499.990.000%0.000%
$500-$9,999.990.050%0.050%
$10,000-$49,999.990.050%0.050%
$50,000-$199,999.990.100%0.100%
$200,000-$499,999.990.449%0.450%
$500,000 or more1.094%1.100%


The minimum balance required to open this account is $500.00. You must maintain a minimum daily balance of $500.00 in a Money Market account each day to obtain the disclosed annual percentage yield.

Transaction limitations: The minimum deposit we allow is $100.00 per deposit. The minimum amount you may withdraw is $250.00 per withdrawal. A penalty fee will be assessed for additional withdrawals to Reg. D. limits. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

*Annual Percentage Yield (APY) is stated as of 06/01/2021 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.


Online Savings

TierRateAPY*
$0.01-$99.990.000%0.000%
$100-$9,999.990.549%0.550%
$10,000-$24,999.990.549%0.550%
$25,000-$49,999.991.982%2.000%
$50,000-$99,999.992.227%2.250%
$100,000 or more2.472%2.500%


*Annual Percentage Yield (APY) is stated as of 09/01/2023 and is subject to change without notice. Certain restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.

Until further notice, Reg D limitations are being waived and electronic transactions from savings accounts will not be limited to 6 per month.


Regular Share Savings

To Earn DividendsRateAPY%*
$100.00 or more0.050%0.050%


*Annual Percentage Yield (APY) is stated as of 01/01/2021 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.


IOLTA Accounts

To Earn DividendsRateAPY%*
$25.00 or more0.349%0.350%


*Annual Percentage Yield (APY) is stated as of 01/01/2021 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.


Kids Club Share Savings

To Earn DividendsRateAPY%*
$25.00 or more0.250%0.250%


*Annual Percentage Yield (APY) is stated as of 01/01/2021 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.


Minor & Junior Savings

To Earn DividendsRateAPY%*
$25.00 or more0.250%0.250%


*Annual Percentage Yield (APY) is stated as of 01/01/2021 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.


IRA Share Savings

To Earn DividendsRateAPY%*
$25.00 or more0.349%0.350%


*Annual Percentage Yield (APY) is stated as of 01/01/2021 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.


HSA Share Draft

To Earn DividendsRateAPY%*
$25.00 or more0.050%0.050%


*Annual Percentage Yield (APY) is stated as of 01/01/2021 and is subject to change without notice. Certain Restrictions may apply, refer to Triangle Credit Union’s Truth-In-Savings Disclosure, and account agreements for further information regarding applicable fees & terms. Account federally insured by the National Credit Union Administration (NCUA) up to $250,000.