
Current rates
Checking—savings—money market—certificates
All dividend rates and annual percentage yields (APY) are current as of today’s date.
Checking accounts1
Type | Dividend rate (%) | APY (%) |
Thrivent Rewards Checking3 | 0.10 | 0.10 |
Simply Checking | 0.00 | 0.00 |
Savings accounts1
Simply Savings and TFCU Membership
Balance requirement | Dividend rate3 (%) | APY3 (%) |
$25.00- $4,999.99 | 0.20 | 0.20 |
$5,000.00 - $9,999.99 | 0.30 | 0.30 |
$10,000.00 - $24,999.99 | 0.40 | 0.40 |
$25,000.00 - $49,999.99 | 0.50 | 0.50 |
$50,000.00 - $99,999.99 | 0.80 | 0.80 |
$100,000.00 and up | 1.00 | 1.01 |
Money markets1
Thrivent Rewards Money Market2
Balance requirement | Dividend rate3 (%) | APY3 (%) |
$25.00- $9,999.99 | 0.75 | 0.75 |
$10,000.00 - $49,999.99 | 1.09 | 1.10 |
$50,000.00 - $99,999.99 | 1.49 | 1.50 |
$100,000.00 - $249,999.99 | 1.98 | 2.00 |
$250,000.00 - $999,999.99 | 2.08 | 2.10 |
$1,000,000.00 and up | 2.18 | 2.20 |
Preferred Plus Money Market
Balance requirement | Dividend rate3 (%) | APY3 (%) |
$2,500.00 - $4,999.99 | 0.40 | 0.40 |
$5,000.00 - $9,999.99 | 0.50 | 0.50 |
$10,000.00 - $24,999.99 | 0.80 | 0.80 |
$25,000.00 - $49,999.99 | 1.00 | 1.01 |
$50,000.00 - $99,999.99 | 1.29 | 1.30 |
$100,000.00 and up | 1.49 | 1.50 |
Share certificates1
Personal certificates4
Term | Dividend rate (%) | APY (%) |
3 month | 1.49 | 1.50 |
6 month | 2.96 | 3.00 |
7 month SPECIAL min $5,000 deposit / new money required5 | 4.88 | 5.00 |
8 month RENEWAL SPECIAL min $1,000 balance / funding only from renewals from TCU maturing certificates (no IRA certificates); no new money6 | 4.40 | 4.50 |
9 month | 1.98 | 2.00 |
12 month | 3.20 | 3.25 |
18 month | 2.76 | 2.80 |
24 month | 2.76 | 2.80 |
30 month | 2.76 | 2.80 |
36 month | 2.76 | 2.80 |
48 month | 2.76 | 2.80 |
60 month | 2.96 | 3.00 |
This page was last updated on September 01, 2023.
1 The TFCU Membership, TFCU Business 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.
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 (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
5 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.
6 Limited special 8-Month Share Certificate. This special has a minimum balance of $1,000 required to open the certificate and earn the disclosed APY. The account must be funded with proceeds from an existing Thrivent Credit Union certificate which has matured and within the 10-calendar day period after maturity during which you are allowed to make changes. No new funds can be added. At maturity, the 8-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 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 (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
5 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.
6 Limited special 8-Month Share Certificate. This special has a minimum balance of $1,000 required to open the certificate and earn the disclosed APY. The account must be funded with proceeds from an existing Thrivent Credit Union certificate which has matured and within the 10-calendar day period after maturity during which you are allowed to make changes. No new funds can be added. At maturity, the 8-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.