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Checking & savings account rates

As a credit union, we return our profits to our members in the form of higher rates. All dividend rates and annual percentage yields are current as of January 23, 2023 .

Checking Accounts1

Thrivent Rewards Checking Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
No minimum balance requirement 0.25 0.25
Simply Checking Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
No minimum balance requirement 0.00 0.00

Savings Accounts1

TFCU Membership Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 4,999.99 0.30 0.30
5,000 – 9,999.99 0.30 0.30
10,000 – 24,999.99 0.40 0.40
25,000 – 49,999.99 0.50 0.50
50,000 – 99,999.99 0.80 0.80
100,000 and up 1.00 1.01
Simply Savings
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 4,999.99 0.30 0.30
5,000 – 9,999.99 0.30 0.30
10,000 – 24,999.99 0.40 0.40
25,000 – 49,999.99 0.50 0.50
50,000 – 99,999.99 0.80 0.80
100,000 and up 1.00 1.01
Emergency Savings Share Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 999.99 0.20 0.20
1,000.00 – 4,999.99 0.30 0.30
5,000.00 and up 0.20 0.20

Money Market Accounts1

Thrivent Rewards2
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 9,999.99 0.75 0.75
10,000.00 – 49,999.99 0.90 0.90
50,000.00 – 99,999.99 1.29 1.30
100,000.00 – 249,999.99 1.49 1.50
250,000.00 – 999,999.99 1.59 1.60
1,000,000.00 and up 1.69 1.70
Preferred Plus
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
2,500.00 – 4,999.99 0.60 0.60
5,000.00 – 9,999.99 0.60 0.60
10,000.00 – 24,999.99 0.70 0.70
25,000.00 – 49,999.99 0.80 0.80
50,000.00 – 99,999.99 1.09 1.10
100,000.00 and up 1.29 1.30

Share Certificates1,4,5

Term (Months) Dividend Rate (%) APY (%)
3 2.96 3.00
6 2.96 3.00
9 2.96 3.00
12 2.96 3.00
135 (Apply Now) 3.925 4.005
18 2.62 2.65
24 2.71 2.75
30 2.71 2.75
36 2.76 2.80
48 2.81 2.85
60 3.05 3.10

1 The TFCU Membership, Emergency Savings Share or TFCU College Checking 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.

2 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 or 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.

3 The dividend rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.

4 A minimum balance of $1,000.00 for 3, 6, 9, 12, 18, 24, 30, 36, 48 and 60 month terms is required to earn the disclosed annual percentage yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

5 Limited special 13-Month Share Certificate. This special has a $5,000 minimum balance to open the certificate. To earn the stated Annual Percentage Yield (APY) the account must be funded with all new money which means the deposit must be from another financial institution (transfers between Thrivent Credit Union accounts will not qualify). Funds deposited into a TCU account from an external source no more than 14 calendar days prior to the application date will be considered new money. At maturity, the 13-Month Share Certificate will automatically renew into a 12-month term at the current offered rate if no action is taken. Penalty for early withdrawal. Fees could reduce earnings. TCU reserves the right to end or modify this offer at any time. Apply online via the link above or call 800-701-3885 to open this account.