Open a checking or savings account with TCU

Features	Simply Checking	Thrivent Rewards Checking
Overview	Meet your basic checking needs with this simple account.	Discover more benefits with this enhanced checking account.
Free ATM withdrawals (including reimbursement of owner fees)	4 free/month 1	Unlimited
Minimum balance	$8.95/month if balance is below $100 2	-
APY	0.00% 3	0.10% 3
Earns dividends	-	Yes
Free overdraft protection from	line of credit 4 savings 5 money market 5	line of credit 4 savings 5 money market 5
Insufficient funds or overdraft fee	$30 6	$30 6
Direct Deposit	Yes	Yes
MasterCard® Contactless Debit Card	Yes FAQs	Yes FAQs
CO-OP Shared Branch Bank in person at a CO-OP Shared Branch credit union. Find a branch near you (opens in new window).	Yes	Yes
Mobile banking with mobile check deposit	Yes	Yes
Online banking with bill pay	Yes	Yes
RoundUP Add this feature to your account and we'll round up debit card purchases to the nearest dollar. Extra change will go straight into your savings account, daily. Learn more.	-	Yes
Unlimited check writing	Yes	Yes
Requirements	-	Requires direct deposit into any share/share draft account or complete five bill pays and 10 point of sale purchases every month. 7
	$5 per month after 12 months of inactivity. With multiple accounts at least one account must be active to avoid this fee. Fee waived if member is under 18 years old.
Full service fee brochure	Service Fees (opens in new window)
Apply	Apply Now

¹ Four (4) free ATM withdrawals (with reimbursed ATM owner fees) for each ATM withdrawal; after four (4), $1 fee plus any ATM owner fees.

² No fee if under age 24. Age 24 or older, $8.95 fee per month if balance falls below $100 any day of the month.

³ APY Stands for Annual Percentage Yield. APY is effective as of May 15, 2023, is variable and can change without notice.

⁴ Line of Credit is subject to credit application, qualification and approval.

⁵ Overdraft protection made in $100 increments.

⁶ An overdraft fee may be imposed when the credit union, at its discretion, clears check, ACH or other electronic means.

⁷ If direct deposit or activity is not maintained, account will be transferred to Simply Checking after a 3-month period.

⁸ Transfers and withdrawals from your account are limited to one (1) per month with none by check, draft, or similar order. A withdrawal fee of $10 per transaction occurs thereafter.

⁹ Fee will be imposed every month if the daily balance falls below $2,500 any day of the month.

¹⁰ To open and maintain a Thrivent Rewards Money Market account, you must also maintain a Thrivent Rewards Checking account. Thrivent Rewards Checking account requires direct deposit into any share/share draft account or completion of 5 bill pays and 10 point of sale purchases every month. If direct deposit or activity is not maintained, your Thrivent Rewards Money Market account may be transferred to a Simply Savings account.

¹¹ APY Stands for Annual Percentage Yield. APY is effective as of May 15, 2023, is variable and can change without notice.

Share Certificates

Certificates are a sound and safe investment option, offering competitive earnings and a guaranteed rate of return.

Flexible terms from three months to 60 months are available, which could allow multiple options to set up ladders to meet your financial goals. Ladders are a way of dividing your investments into certificates with different maturity dates – this is usually done in equal amounts. This strategy reduces both the dividend rate and re-investment risks.

View Share Certificate rates

Calculate certificate earnings

A minimum balance is required to open a certificate account. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

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This savings account represents your membership share in this not-for-profit financial cooperative, which makes you a member-owner of Thrivent Credit Union. TCU funds the initial $1 required for membership, and then you must maintain at least the par value of one share ($1) in the credit union.

• $25 minimum balance to earn dividends.
• ATM access with a checking account as your primary account.

¹⁴ The TFCU Membership account is a requirement for membership in Thrivent Credit Union. To maintain membership a par value of one share ($1.00) must be kept in the account at all times. If you fall below the par value you have six months to increase the balance or your membership may be terminated.