Savings

Make dreams happen - start saving today.

When you start to get serious about saving, you open up a whole world of possibilities.

• Minimum $5 initial deposit establishes credit union membership
• Quarterly dividends paid on an average daily balance of $200 or more
• No service fee
• Save automatically through direct deposit or payroll deduction

Once you open a savings account, you become a lifetime member and part-owner of TLC Community Credit Union. As long as you keep at least $5 in this account, you have access to low-interest loans, digital banking tools and everything else we have to offer.

Rates / Fee Schedule / Savings Goal Calculator

Saving isn't just smart, it can be fun too.

Doing homework, helping with chores, telling the truth. Parents know it's important to teach their kids good habits. Here's one lesson to add to the list - the value of saving money.

• Quarterly dividends paid on all balances
• No service fee

School can be a fun place for learning about money, too. Through our Student-Run In-School Credit Union program, we have nearly 20 student-run branches in local districts. This helps students learn about saving through education, contests and hands-on experience.  (special account structure is available through the school program)

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Special moments deserve their own account.

Weddings, vacations or the December holidays. Open a Club Account, add money regularly over the course of a year and make the good times even better.

• Earn dividends on deposits
• Build up balance through direct deposit or automatic transfers from checking
• Open a Club Account online and name it whatever you'd like

Fee Schedule / Emergency Savings Calculator

A little patience can really pay off.

You've heard it said that good things come to those who wait. This is the perfect example. Our certificate accounts help people earn extra money without putting their savings at risk.

• Invest anywhere from 0-60+ months
• Higher dividend returns than most traditional savings accounts 
• Low minimum opening deposit

The great thing about a Certificate Account is that you never lose any of your original investment. You'll know from day one exactly how much money you'll earn and when you'll be able to make use of it.

Rates / CD Calculator / Platinum Membership

It's our way of saying, "Nice job."

When you do something exceptionally well, it's only right that you get rewarded. If you're really good at saving money, this account rewards you with extra high dividends.

• Multi-tiered account
• Bigger balances can earn higher dividend rates
• Quarterly dividends paid on an average daily balance of $500 and over
• Unlimited transactions

Rates / Fee Schedule / Savings Calculators

The best years of your life lie ahead.

Kick back on your front porch. Or travel to the four corners of the globe. No matter what your long-range plans are, a well-stocked retirement account can open the door to any lifestyle.

• Choice of Traditional IRAs or Roth IRAs
• Contribute up to $6,000 annually ($7,000 if over age 50)
• Get tax benefits as you build your nest egg

In addition to Traditional IRAs, a Coverdell Education Savings Account can help students get to graduation day. You'll earn dividends and the account comes with tax advantages similar to those of an IRA.

Roth vs. Traditional IRAs / Traditional IRAs / Roth IRAs

Coverdell ESA / Retirement Calculators 

Take the sting out of big doctors' bills.

Guard against budget-busting bills with an account that lets you set aside money to cover future health care costs.

• People with high-deductible medical plans are eligible
• Make tax-free deposits to your account
• Earn dividends on balances

One major advantage of a HSA is that, unlike traditional health insurance, it follows you from one job to the next. Also, if you've had an exceptionally healthy year, any money left in your account can be rolled over to the next year.

HSA Accounts / Insurance