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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 October 4, 2022 .

Checking Accounts1

Thrivent Rewards Checking Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
No minimum balance requirement 0.10 0.10
Simply Checking Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
No minimum balance requirement 0.00 0.00

Savings Accounts1

TFCU Membership Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 4,999.99 0.20 0.20
5,000 – 9,999.99 0.20 0.20
10,000 – 24,999.99 0.20 0.20
25,000 – 49,999.99 0.25 0.25
50,000 – 99,999.99 0.25 0.25
100,000 and up 0.45 0.45
Simply Savings
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 4,999.99 0.20 0.20
5,000 – 9,999.99 0.20 0.20
10,000 – 24,999.99 0.20 0.20
25,000 – 49,999.99 0.25 0.25
50,000 – 99,999.99 0.25 0.25
100,000 and up 0.45 0.45
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 0.25 0.25
5,000.00 and up 0.20 0.20

Money Market Accounts1

Thrivent Rewards2
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 9,999.99 0.25 0.25
10,000.00 – 49,999.99 0.30 0.30
50,000.00 – 99,999.99 0.40 0.40
100,000.00 – 249,999.99 0.60 0.60
250,000.00 – 999,999.99 0.65 0.65
1,000,000.00 and up 0.70 0.70
Preferred Plus
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
2,500.00 – 4,999.99 0.20 0.20
5,000.00 – 9,999.99 0.20 0.20
10,000.00 – 24,999.99 0.20 0.20
25,000.00 – 49,999.99 0.25 0.25
50,000.00 – 99,999.99 0.25 0.25
100,000.00 and up 0.45 0.45

Share Certificates1,4

Term (Months) Dividend Rate (%) APY (%)
3 1.29 1.30
6 1.64 1.65
9 1.73 1.75
12 2.23 2.25
18 2.27 2.30
24 2.37 2.40
255 3.92 4.00
30 2.47 2.50
36 2.57 2.60
48 2.66 2.70
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 and maintain direct deposit into a share/share draft account. If direct deposit is terminated, 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 25-Month Share Certificate. This special has a $5,000 minimum balance to open the certificate. To earn the stated 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). At maturity, 25 Month Share Certificate will automatically renew into a 24 Month term at the current offered rate if no action is taken. Penalty for early withdrawal. Fees could reduce earnings. TFCU reserves the right to end or modify this offer at any time.