
Savings & certificates
Overview
When you bank with Thrivent Credit Union, you choose the savings option that best fits your long-term goals.
Simply Savings
Meet your basic savings needs with this simple account.
Competitive APY earned with few requirements- No minimum balance to open your account. $25 minimum balance to earn tiered dividends
- No monthly fee
- Mobile banking with check deposit
- Online banking with bill pay
Preferred Plus Money Market
Designed to help you meet your savings goals.
Higher APY earned with a higher balance- No minimum balance to open your account. $2,500 minimum balance to earn tiered dividends and avoid a service fee
- Monthly fee of $10 for low balance¹
- Mobile banking with check deposit
- Online banking with bill pay
Thrivent Rewards Money Market
Help your savings grow, even on a small balance.
Competitive APY - No minimum balance to open your account. $25 minimum balance to earn tiered dividends
- No monthly fee
- Mobile banking with check deposit
- Online banking with bill pay
- Thrivent Rewards Checking account and direct deposit are required to open²
Simply Savings
Meet your basic savings needs with this simple account.
Competitive APY earned with few requirements- No minimum balance to open your account. $25 minimum balance to earn tiered dividends
- No monthly fee
- Mobile banking with check deposit
- Online banking with bill pay
Preferred Plus Money Market
Designed to help you meet your savings goals.
Higher APY earned with a higher balance- No minimum balance to open your account. $2,500 minimum balance to earn tiered dividends and avoid a service fee
- Monthly fee of $10 for low balance¹
- Mobile banking with check deposit
- Online banking with bill pay
Thrivent Rewards Money Market
Help your savings grow, even on a small balance.
Competitive APY - No minimum balance to open your account. $25 minimum balance to earn tiered dividends
- No monthly fee
- Mobile banking with check deposit
- Online banking with bill pay
- Thrivent Rewards Checking account and direct deposit are required to open²
A TFCU Membership savings account represents your membership share in this not-for-profit financial cooperative, making you a member-owner of Thrivent Credit Union.³
With members as owners, we are intentional about eliminating unnecessary fees and protecting your money. See our fullservice fee brochure .
With members as owners, we are intentional about eliminating unnecessary fees and protecting your money. See our full

Young latin woman working from home
Young latin woman working from home
Share certificates
Certificates are a sound and safe investment option, offering competitive earnings and a guaranteed rate of return.
Flexible terms from three 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.
Flexible terms from three 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.
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.
Depositing funds from an outside account? Securely grow your savings with an NCUA-insured certificate from TCU.
Open an account
Bring purpose to your saving with a TCU savings account or certificate.
1 Fee will be imposed every month if the daily balance falls below $2,500 any day of the month.
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 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.
3 The TFCU Membership or Emergency Savings Share 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.
4 Limited special 7-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 7-Month Share Certificate will automatically renew into a 6-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.
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 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.
3 The TFCU Membership or Emergency Savings Share 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.
4 Limited special 7-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 7-Month Share Certificate will automatically renew into a 6-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.