Deposit Rates
Our numbers always work in your favor
Helping you build your savings is at the heart of our mission. So we structure our deposit account rates to do just that.
Check the rates on all our checking and savings accounts
Whether you're saving for the short term or goals in the distant future, you'll find multiple options at TAPCO Credit Union. And there's no reason to limit yourself. Open multiple savings accounts for every stage of your journey.
| Account Type | Minimum Opening Deposit | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|---|
| Regular Savings | $25 | $25 | 0.01% | 0.01% |
| Vacation/Holiday Savings | $5 | - | 0.01% | 0.01% |
| Account Type | Minimum Opening | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|---|
| High-Yield Checking** | $5 | $0 | 3.93% | 4.00% |
| Advantage Checking | $5 | $500 | 0.01% | 0.01% |
The rates listed here are for illustration purposes only; rates may vary and are subject to change without notice. Fees could reduce earnings. APY is offered as of 1/1/2024.
Click here for complete details on account disclosures.
*All share rates are based on Annual Percentage Yield (APY). **Minimum of 15 debit card transactions of $3 or more per month, enrollment in Online Banking and logged in within the last 45 days, and eStatements required to earn APY. If Monthly Rewards Checking requirements and qualification not met at month end, High Yield Checking will receive 0.00% APY.
| Certificate Amount | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
| $500 - $4,999.99 | $500 | 3.88% | 3.95% |
| $5,000 - $24,999.99 | $5,000 | 3.88% | 3.95% |
| $25,000 - $49,999.99 | $25,000 | 3.88% | 3.95% |
| $50,000 and over | $50,000 | 3.88% | 3.95% |
| Certificate Amount | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
| Moola/PACE Savings Certificate | $250 | 3.78% | 3.85% |
| $500 - $4,999.99 | $500 | 3.78% | 3.85% |
| $5,000 - $24,999.99 | $5,000 | 3.78% | 3.85% |
| $25,000 - $49,999.99 | $25,000 | 3.78% | 3.85% |
| $50,000 and over | $50,000 | 3.78% | 3.85% |
| Certificate Amount | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
| $500 - $4,999.99 | $500 | 2.86% | 2.90% |
| $5,000 - $24,999.99 | $5,000 | 2.86% | 2.90% |
| $25,000 - $49,999.99 | $25,000 | 2.86% | 2.90% |
| $50,000 and over | $50,000 | 2.86% | 2.90% |
| Certificate Amount | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
| $500 - $4,999.99 | $500 | 2.72% | 2.75% |
| $5,000 - $24,999.99 | $5,000 | 2.72% | 2.75% |
| $25,000 - $49,999.99 | $25,000 | 2.72% | 2.75% |
| $50,000 and over | $50,000 | 2.72% | 2.75% |
| Certificate Amount | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
| $500 - $4,999.99 | $500 | 2.62% | 2.65% |
| $5,000 - $24,999.99 | $5,000 | 2.62% | 2.65% |
| $25,000 - $49,999.99 | $25,000 | 2.62% | 2.65% |
| $50,000 and over | $50,000 | 2.62% | 2.65% |
The rates listed here are for illustration purposes only and are subject to change without notice. Fees could reduce earnings. A penalty may or will be imposed for early withdrawal. 6-month CD & 12-month CD APY offered as of 5/13/2025; 18-month APY is offered as of 11/06/2024; 24, 36-month APY is offered as of 5/13/2025.
Click here for complete details on Certificates of Deposit.
*All share rates are based on Annual Percentage Yield (APY).
| Account Balance | Minimum Opening Deposit | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|---|
| $1,000 - $4,999.99 | $5 | $1,000 | 1.73% | 1.75% |
| $5,000 - $9,999.99 | $5 | $5,000 | 1.73% | 1.75% |
| $10,000 - $24,999.99 | $5 | $10,000 | 1.98% | 2.00% |
| $25,000 - $49,999.99 | $5 | $25,000 | 1.98% | 2.00% |
| $50,000 and over | $5 | $50,000 | 1.98% | 2.00% |
| Account Balance | Minimum Opening Deposit | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|---|
| $25 - $19,999.99 | $25 | $25 | 1.49% | 1.50% |
| $20,000 - $49,999.99 | $25 | $20,000 | 1.49% | 1.50% |
| $50,000 - $99,999.99 | $25 | $50,000 | 1.74% | 1.75% |
| $100,000 and over | $25 | $100,000 | 1.98% | 2.00% |