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Checking & Savings 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 17, 2016 .

Checking Accounts1

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

Savings Accounts1

Account Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
Thrivent Share Savings Account 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 Account6 25.00 – 999.99 0.10 0.10
1,000.00 – 4,999.99 0.50 0.50
5,000.00 and up 0.10 0.10

Money Market Accounts1

Account Minimum Balance to Obtain APY ($) Dividend Rate3 (%) APY3 (%)
Thrivent Rewards2 0.00 – 24.99 0.00 0.00
25.00 – 999.99 0.05 0.05
1,000.00 – 4,999.99 0.10 0.10
5,000.00 – 9,999.99 0.15 0.15
10,000.00 – 24,999.99 0.35 0.35
25,000.00 – 49,999.99 0.35 0.35
50,000.00 – 99,999.99 0.35 0.35
100,000.00 and up 0.50 0.50
Preferred Plus 2,500.00 – 4,999.99 0.05 0.05
5,000.00 – 9,999.99 0.10 0.10
10,000.00 – 24,999.99 0.15 0.15
25,000.00 – 49,999.99 0.25 0.25
50,000.00 – 99,999.99 0.30 0.30
100,000.00 and up 0.35 0.35

Share Certificates1

Account Term Dividend Rate4 (%) APY4 (%)
Certificate 3 Month 0.25 0.25
6 Month 0.40 0.40
9 Month 0.55 0.55
12 Month 0.70 0.70
18 Month 0.85 0.85
24 Month 1.00 1.00
30 Month 1.09 1.10
36 Month 1.19 1.20
48 Month 1.49 1.50
60 Month 1.69 1.70

Flex Certificates1 – $5,000.00 or More

Account Term Dividend Rate5 (%) APY5 (%)
Flex Certificate5 12 Month 0.60 0.60
18 Month 0.75 0.75
24 Month 0.85 0.85

 

1 The Thrivent Share Savings 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 Thrivent Share 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 $5,000.00 to open the account and to obtain the disclosed APY. If you choose to add a one-time deposit to the 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. You may only increase the dividend rate once during the first half of the term of the certificate. Withdrawals up to 50% of beginning balance may only be made once during the first half of the term of the certificate following account opening. If you choose to use the withdrawal option, a balance of $5,000.00 must be kept in the certificate. A penalty may be assessed for early withdrawals other than the withdrawal permitted by the terms of the account contract. Fees could reduce earnings.

6 To open and maintain this account, member must maintain direct deposit or an automatic transfer into the account. If direct deposit or automatic transfer is terminated, account may be transferred to a Thrivent Share Savings account.