Accounts

With different savings options available, we are confident we can help you reach your financial goals!
Checking accounts with no monthly maintenance fees makes Tri-Cities Credit Union the perfect place for you and your money.  Become a member today!

Call: 616.842.6320

Regular Savings/Share Account

To establish yourself as a credit union member, you only need a valid photo ID, social security card, and a $5.00 minimum balance. Upon becoming a member, you take advantage of ALL SERVICES offered by Tri-Cities Credit Union, which qualifies you to vote in all credit union elections.

Tri-Cities Credit Union has several different options when it comes to saving for a secure financial future!
  • Regular Savings/Shares
  • Silver Savings Account
  • Certificate of Deposits
  • IRAs-Traditional and Roth
  • Christmas Club
*Note: Fees may reduce earnings. Please see our Fee Schedule for more information.
Savings RatesEffective Monday, March 4, 2024
APYMinimum
Deposit
Minimum
Balance
CHRISTMAS CLUB0.2% $100
TRADITIONAL IRA0.5% $0
ROTH IRA0.5% $0
SILVER SAVINGS0.5%$1000$1000
SILVER SAVINGS0.7%$1000$10000
SILVER SAVINGS0.9%$1000$25000
SILVER SAVINGS1.1%$1000$50000
SUB SHARES0.05% $100
VACATION CLUB0.05% $100
CHECKING0% $0
All savings rates are Annual Percentage Yield (APY). All Tri-Cities Credit Union rates, terms, and conditions are subject to change at any time without notice.

Checking Account

Our checking account has no minimum balance requirement, or monthly service fee! There is no per check fee and we can provide a Debit Card at no cost to you!

Free Checking Account

  • Direct Deposit & Payroll Deduction
  • NO monthly balance fee or service charge
  • NO minimum balance required
  • NO per check fee – you can write as many checks as you want
  • Free ATM/Debit Card
  • Free 24-hour Account Management through Audio Response
  • Free Online Banking
  • Xtend Shared Branching

Order Your Checks Here!

Lost or Stolen Debit Card?

Call 1-888-241-2510 to limit your liability!

Photo depicting a pen lying on top of a check book.

Young Savers Savings/Share Account

An account designed to develop savings habits for children. The qualifying ages for this account are 0 to 18. There is NO minimum balance fee or service charge for this account.

Christmas Club Accounts

Make your holidays brighter with a Christmas Club Account! Watch your money grow as you payroll deduct into the Christmas Club.

Silver Deposit Savings/Share Account

Looking for an enhanced savings account to meet your special financial needs? This is a perfect account to earn a higher Annual Percentage Yield without tying your money up in a Certificate of Deposit.

Term Share Deposits

Certificates of Deposit provide higher yields on your funds deposited with terms ranging from 6 to 60 months.
Certificate RatesEffective Tuesday, October 15, 2024
Certificate TermAPYMinimum Deposit
12 MONTH CERTIFICATE2.53%$1000
24 MONTH CERTIFICATE2.79%$1000
36 MONTH CERTIFICATE3.04%$1000
48 MONTH CERTIFICATE3.04%$1000
60 MONTH CERTIFICATE3.04%$1000

All CD rates are Annual Percentage Yield (APY). All Tri-Cities Credit Union rates, terms, and conditions are subject to change at any time without notice.
Rates based on the term selected. Penalty for early withdrawal.

IRAs & HSAs

Save for your retirement and medical expenses with accounts at TCCU!
Individual Retirement Accounts (IRAs) let you save now for security in your retirement years. You can choose from several IRA options, including Roth and Traditional.
Health Savings Accounts let you set aside money on a pre-tax basis to pay for qualified medical expenses. Use untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses.

Individual Retirement Accounts:

  • Traditional: advantageous for people in a high tax bracket, close to retirement, or expecting to be in a lower tax bracket upon retirement.
  • Roth: advantageous for people in a lower tax bracket, are not retiring anytime soon, or expecting to be in a higher tax bracket upon retirement.

Health Savings Accounts:

HSAs are accounts geared towards saving for medical expenses that your High-Deductible Health Plan does not cover. They also offer a tax advantage!

OUR HOURS

LOBBY

Monday:
9:00 AM-5:15 PM
Tuesday:
10:00 AM-5:15 PM
Wednesday – Friday:
9:00 AM-5:15 PM

DRIVE THRU

Monday:
8:30 AM-5:15 PM
Tuesday:
10:00 AM-5:15 PM
Wednesday – Friday:
8:30 AM-5:15 PM
Saturday:
8:30 AM-12:00 PM

ATM Locations

Surcharge-free access to your money, almost anywhere

CO-OP’s nearly 30,000 ATMs means you have more direct, surcharge-free* access to your money than most traditional bank customers do.