A Share Savings Account is required to be a member of TDFCU. All other deposit accounts can be opened by providing a written request with a signature or by logging into T-ACCESS and sending a secured email requesting a deposit product to member services. For additional information contact our call center at 1-800-344-4497 then press option 4.
Use this account as a good starting point for saving six months of your monthly expenses for emergency use. With our tiered interest rates, the more you save the more you earn. Consider direct deposit or payroll allotment to make saving easy. A limited Debit MasterCard can be used for withdrawals, T-Access (Virtual Branch) and online statements can be used for managing your account.
Click here for Share Saving Account rates.
Experience the power of one of the best checking accounts available. With a TDFCU’s Share Draft Checking account there are no minimum balance requirements and no per check charge. To access your account you will receive a free Debit MasterCard, free T-Access (Virtual Branch), free online statements, the ability to use over 1,900 shared branch locations, and access to over 100,000 surcharge-free ATMs. With our Share Draft Checking account, you can get connected to your funds and enjoy the freedom of access from anywhere at any time.
For added benefits, sign up for direct deposit or payroll allotment; use our free online Bill Pay, free remote deposit, free credit monitoring (Savvy money) and just in case you need it, apply for overdraft protection. Once you are connected, you may only need to visit a branch when you want to say hello to our friendly, professional staff.
For added security on your Free Debit Card, sign up for CardValet. Just download the CardValet app for your mobile device app store. With CardValet you can easily lock and unlock your TDFCU plastic cards, set transaction controls for dollar amount limits, merchant categories, transaction types and geographic locations, keep yourself informed 24/7 with alerts, monitor account balances in real time and monitor suspicious activity with Fraud Alerts. Click here for more information.
Increase your interest-earning capability and maintain liquidity with our tiered interest rate Money Market Account. You can access funds in this account through T-Access (Virtual Branch) or you can order checks online for your account. To open a Money Market account, there is a $1,500 minimum balance requirement.
Click here for Money Market Account rates.
Enjoy your holidays by removing some of the stress, by setting aside money throughout the course of the year for holiday spending. Use payroll allotment or make deposits at any time for a fast, easy way to save for the holidays. No withdrawals are allowed until the account redeems on October 31, every year.
Click here for Holiday Share Account rates. To apply, call (800) 344-4497 then press option 4 to speak to a Call Center Representative for more information.
Want a higher interest rate, consider a fixed term, fixed interest rate certificate account. Only a $500 minimum deposit is required to open a certificate. Choose a certificate term of 3 months, 6 months, 9 months, 12 months, 15 months, 2 years, 3 years, 4 years, or 5 years. In addition, if you have $100,000 or more and would like to take your time to decide exactly what you want to do with your funds, we offer a jumbo certificate with a minimum deposit of $100,000. The jumbo certificate is a 30-day certificate that automatically renews for 30 days at maturity.
Click here for Certificate Account rates.
Implement a regular saving program at a higher rate. Open a 12-month fixed-rate Booster Certificate for $250 and deposit a minimum of $50 whenever you can and watch your savings grow. This is a great product for planning for the future. When the Booster Certificate matures you will be ready for a higher rate longer-term product.
Click here for Booster Certificate rates.
Establish a Roth or Traditional IRA. Use our Individual Retirement Accounts to build your retirement savings. Make an ongoing contribution each year to accumulate the maximum amount you can deposit each year. Enjoy higher earnings of our tiered interest rate. At your convenience open an IRA certificate to earn higher rates.
Enjoy safe and easy saving for retirement that is insured for up to $250,000 by a federal agency, the National Credit Union Administration.
Consider transferring your employer 401k cash value retirement saving to a Treasury Department Federal Credit Union individual retirement account for safe, consistent, and insured saving growth.
Click here for IRA Share Account rates. IRAs require specific documents to establish an account. For more information call 1-800-344-4497, then press option 4 to speak to a call center representative.
Let your savings grow faster with an IRA certificate account. A minimum $500 deposit will get you started with certificate terms of 12 to 60 months. Transfer funds from your IRA Share Account to increase your retirement potential earnings. No additions can be made to IRA certificates, except at maturity or to an IRA Booster Certificate, which requires a minimum of $50.
Click here for IRA Certificate rates. To apply, call (800) 344-4497 then press option 4 to speak to a Call Center Representative for more information.
