Share Rates
An everyday checking account that rewards you and protects you from overdraft fees.
Welcome to our Share Rates page! It’s obvious that you want to earn more money and we can help you! If you’re just starting out or wanting to roll your retirement we have several options for you. If you are rate shopping and not sure if closing your low earning CD at bank if worth the fees and penalty, call Member Services to help you figure out your earning potential here at Telco Plus Credit Union.
Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
| Account Type | Div Rate | APY* | Min Balance To Earn APY | Min Opening Deposit |
| Regular Share/Savings | 0.05% | 0.05% | $100 | $5.00 |
| Christmas Club | 0.25% | 0.25% | $100 | $10.00 |
| Vacation Club | 0.25% | 0.25% | $100 | $10.00 |
| IRA Savings | 1.00% | 1.00% | $0.00 | $0.00 |
| Member Money Funds | ||||
| $2,500 and Up | 0.05% 0.25% 0.45% 1.25% 1.75% |
0.05% 0.25% 0.45% 1.25% 1.76% |
$2,500 $10,000 $50,000 $100,000 $200,000 |
$2,500.00 |
| Share Drafts | 0.01% | 0.01% | $1,000 | $0.00 |
| Plus Checking | 0.01% | 0.01% | $2,000 | $0.00 |
| Rewards Plus Checking Base Balance $0 - $5,000 Funds Over $5,000 - $10,000 Funds Over $10,000 |
0.00% 0.25% 1.49% 1.98% |
0.25% 1.50% 2.00% |
$0.00 | |
| Up to $5,000.00 | 0.25% | 0.25% | ||
| Above $5,000.00 | 1.50% | 1.50% | ||
| Over $10,000.00 | 2.96% | 3.00% | ||
| Requirements not met | 0.00% | 0.00% |
Dividends will be compounded monthly and will be credited monthly.
*For additional information regarding the above accounts, please refer to the Fee Schedule.
Rates and other terms may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term.
| Terms | Div Rate | APY* | Min Balance to Open |
| 6 Months | 4.650% | 4.75% | $500 |
| 12 Months | 4.410% | 4.50% | $500 |
| 18 Months | 4.169% | 4.25% | $500 |
| 24 Months | 4.1692% | 4.25% | $500 |
| 36 Months | 3.203% | 3.25% | $500 |
| 48 Months | 3.445% | 3.50% | $500 |
| 60 Months | 3.929% | 4.00% | $1,000 |
90-day penalty for 6 to 30-month Share Certificates. 180-day penalty for 36 to 60-month Share Certificates.
*APY = Annual Percentage Yield. Account fees may reduce earnings on share accounts. All dividends are posted as of the first day of the next dividend period. All interest is posted as of the first day of the following month. Contact Telco Plus Credit. Union for current rates and other account fees and restrictions, or click on the Fees Link.
All dividend, interest and rates are subject to change. Membership in Telco Plus Credit Union is required for all credit union services.