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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 May 1, 2019 .

Checking Accounts1

Thrivent Rewards Checking Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
No minimum balance requirement 0.15 0.15
Simply Checking Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
No minimum balance requirement 0.00 0.00

Savings Accounts1

TFCU Membership Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 4,999.99 0.10 0.10
5,000 – 9,999.99 0.10 0.10
10,000 – 24,999.99 0.15 0.15
25,000 – 49,999.99 0.25 0.25
50,000 – 99,999.99 0.30 0.30
100,000 and up 0.35 0.35
Simply Savings
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 4,999.99 0.10 0.10
5,000 – 9,999.99 0.10 0.10
10,000 – 24,999.99 0.15 0.15
25,000 – 49,999.99 0.25 0.25
50,000 – 99,999.99 0.30 0.30
100,000 and up 0.35 0.35
Emergency Savings Share Account
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 999.99 0.10 0.10
1,000.00 – 4,999.99 1.00 1.01
5,000.00 and up 0.10 0.10

Money Market Accounts1

Thrivent Rewards2
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
25.00 – 9,999.99 0.50 0.50
10,000.00 – 49,999.99 0.65 0.65
50,000.00 – 99,999.99 0.75 0.75
100,000.00 – 249,999.99 0.85 0.85
250,000.00 – 999,999.99 1.00 1.01
1,000,000.00 and up 1.24 1.25
Preferred Plus
Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
2,500.00 – 4,999.99 0.30 0.30
5,000.00 – 9,999.99 0.30 0.30
10,000.00 – 24,999.99 0.50 0.50
25,000.00 – 49,999.99 0.50 0.50
50,000.00 – 99,999.99 0.50 0.50
100,000.00 and up 0.60 0.60

Share Certificates1

Term (Months) Dividend Rate4 (%) APY4 (%)
3 0.70 0.70
6 1.39 1.40
9 1.44 1.45
12 1.98 2.00
18 2.23 2.25
24 2.67 2.70
30 2.96 3.00
36 2.91 2.95
48 3.01 3.05
60 3.20 3.25

Flex Certificates1 – $5,000 or More

Term (Months) Dividend Rate5 (%) APY5 (%)
12 1.88 1.90
18 2.13 2.15
24 2.52 2.55

1 The TFCU Membership, Emergency Savings Share or TFCU College Checking account is a requirement for membership in Thrivent Federal 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 You must deposit and maintain $5,000 to open the account and to obtain the disclosed Annual Percentage Yield (APY). You may exercise any one of the following options once during the first half of the term of the certificate; 1. Increase the dividend rate established at account opening to the current dividend rate, 2. Add a one-time deposit to the existing certificate. The additional deposit must be at least $500, may not be more than $200,000 and may not exceed the dollar amount of the initial deposit. The initial dividend rate remains unchanged. 3. Withdraw up to half of the funds in the account without penalty. You must maintain a minimum balance of at least $5,000 in your account to exercise this option. A penalty may be assessed for early withdrawals other than the withdrawal permitted by the terms of the account contract. Fees could reduce earnings.