Savings - Triangle Credit Union

Start Your Financial Journey Here

With an initial deposit of at least $25, your savings account immediately grants you access to our lending, wealth building, and mobile products and services.

Zero-dollar maintenance fee, low minimum balance, and 24/7 support are part of the many benefits that we have to offer our members.

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Step Up Your Game with Online Savings

If you want a higher return, our tiered Online Savings account is here to help your money grow. Our digital Online Savings Account requires an existing Checking Account and enrolling in eStatements but no minimum deposit!

Online Savings

Tier	Rate	APY*
$0.01-$99.99	0.000%	0.000%
$100-$9,999.99	0.549%	0.550%
$10,000-$24,999.99	0.549%	0.550%
$25,000-$49,999.99	1.982%	2.000%
$50,000-$99,999.99	2.227%	2.250%
$100,000 or more	2.472%	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.

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Your Money Works Harder with a High Yield Money Market

TCU’s Money Market Savings Account offers you the opportunity to earn more on the money you save with our competitive and compounding interest rates. 

Benefits of a Money Market

High Earning Savings
No Monthly Service Charge
Check Writing Privileges (Minimum of $250)
Up to 6 Withdrawals a Month of $250 or More
Access to Money Management for Budgeting
Minimum Deposits of $100 with no Deposit Limit
Dividends are Posted Monthly

Premier Money Market

Tier	Rate	APY%*
$0.01-$999.99	0.000%	0.000%
$1,000-$9,999.99	0.549%	0.550%
$10,000-$24,999.99	0.549%	0.550%
$25,000-$49,999.99	1.982%	2.000%
$50,000-$99,999.99	2.227%	2.250%
$100,000 or more	2.472%	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

Tier	Rate	APY%*
$0.01-$499.99	0.000%	0.000%
$500-$9,999.99	0.050%	0.050%
$10,000-$49,999.99	0.050%	0.050%
$50,000-$199,999.99	0.100%	0.100%
$200,000-$499,999.99	0.449%	0.450%
$500,000 or more	1.094%	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.

Health Savings Account for Your High Deductible Health Plan

Triangle Credit Union’s Health Savings Account (HSA) is great for saving money for medical expenses, medical bills, and higher deductibles. If you are enrolled in your employer’s high deductible health plan (HDHP), you are eligible for an HSA through Triangle Credit Union. Our HSA offers a debit card which makes for convenient and easy payment of medical expenses. The HSA debit card is also enabled for mobile payments.

TCU’s Personal Health Savings Account Benefits

Employee and employer contribution option to the medical savings account
Tax deduction for contributions made by you and your employer (some restrictions may apply; consult with your tax advisor)
Tax-exempt distributions (regardless of your age) if the funds are used to cover qualified medical expenses and medical bills
Any earnings in the HSA are tax-exempt
Balances roll over from year-to-year
If you are 65+ years of age or disabled, you can withdraw funds penalty-free from your HSA for non-medical expenses

HSA Share Draft

To Earn Dividends	Rate	APY%*
$25.00 or more	0.050%	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.

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