
Learn More About Certificates
With a TCCU Certificate, your deposit is locked in for a specified term and earns you higher dividends than standard Savings Accounts.
LIMITED TIME OFFER –
NEW MONEY ROUNDUP CD SPECIALS
9 Month; 4.27% APR | 4.35% APY
Minimum $2,500 – Max $249,999.99
12 Month; 4.41% APR | 4.50% APY
Minimum $95,000 – Max $249,999.99
Contact us to take stake your claim on this limited time offer!
CD Specials are available only for new funds to TCCU, meaning they must not have been on deposit at TCCU within the last 60 days. These offers are not eligible for renewal at maturity, and the bump-up feature does not apply.
Certificates of Deposit
- Available for terms of 3, 6, 12, 13, 18, 24, 36, 48, 60 months
- $1,000 minimum to open and obtain disclosed annual percentage yield
- Interest compounds monthly and is paid monthly
- Interest may be automatically transferred to another account or mailed by check
- Early or partial withdrawal of certificate may result in a penalty
- Quarterly statements
Click here for current CD rates
Fa$track Youth Certificate
- Available for a term of 12 months
- $100 minimum to open and obtain disclosed annual percentage yield; up to a maximum of $5,000
- Interest compounds monthly and is paid monthly
- Interest may be automatically transferred to another account or mailed by check
- Early withdrawal from the certificate
- Will result in a penalty
- Will require that the certificate be closed
- Quarterly eStatements (eStatements are required)
- No Automated Clearing House deposits (ACH) or payroll deduction deposits allowed
- At maturity, if funds are used towards a down payment to finance an auto loan with TCCU, will receive an additional .25% discount off approved auto loan rate
Standard Youth Certificate
- Available for terms of 6 or 12 months
- $500 minimum to open and obtain disclosed annual percentage yield
- Interest compounds monthly and is paid monthly
- Interest may be automatically transferred to another account or by check
- Early or partial withdrawal of certificate may result in a penalty
- Quarterly statements
Save To Win Savings Certificate
Save to Win is a special savings certificate account that gives you all of the benefits of saving – plus the chance to win BIG!
It’s easy:
- Open a 12 month Save to Win savings certificate and earn a higher dividend rate
- Make regular $25 deposits to the certificate
- Your account will be eligible for monthly and quarterly cash drawings (TCCU drawings, State drawings and National drawings)
Here’s how it works:
- Every $25 increase in month-over-month balance generates one entry into the monthly and quarterly prize drawings
- You may make deposits regularly, but there is a maximum of 100 entries per month/300 per quarter
Save to Win prizes are set at the beginning of each program year, but members can open an account and start winning at any time. Not everyone will win a prize, but if you make regular deposits into your Save to Win account all year, you are guaranteed to end up with more money than you started with. It really is the smartest way to save.
“We’re so thankful for TCCU and the Save To Win program. This (winning) is such a blessing.”
– Bobby N, TCCU member since 2013
Program Stats & Prizes
TCCU Member Drawings
- (2) $25 monthly prizes; maximum 1x quarterly
- (2) $50 quarterly prizes; maximum 1x per calendar year
2025 Prize Distribution Multi-State National Drawing
Prize Drawings | Number of Winners per Drawing | Prize Amounts per drawing | Total Annual Winners | Total Annual Prizes |
Monthly | 159 | $25 | 1,908 | $47,700 |
 |   5 | $100 | 60 | $ 6,000 |
 |   1 | $1,000 | 12 | $12,000 |
Quarterly | Â Â 6 | $50 | 24 | $Â 1,200 |
 |  15 | $100 | 60 | $ 6,000 |
 |  10 | $200 | 40 | $ 8,000 |
 |   8 | $500 | 32 | $16,000 |
 |   7 | $1,000 | 28 | $28,000 |
 |   1 | $2,000 | 4 | $ 8,000 |
 |   1 | $5,000 | 4 | $20,000 |
 |  |  | 2,172 Total Winners | $152,900 Total |
2025 Texas Drawings
Prize Drawings | Number of Winners per drawing | Prize Amounts per Drawing | Total Winners | Total Annual Prizes |
Monthly | Â 10 | $25 | 120 | $3,000 |
 |  1 | $50 | 12 | $  600 |
Quarterly | Â 3 | $25 | 12 | $Â Â 300 |
 |  5 | $50 | 20 | $1,000 |
 |  7 | $100 | 28 | $2,800 |
 | 4 | $200 | 16 | $3,200 |
 |  1 | $1,000 |  4 | $4,000 |
 |  |  | 212 Total | $14,900 Total |
1 ENTRY PER $25 DEPOSIT – 100 PER MONTH ($2500), 300 PER QUARTER ($7500)
Save to Win is geared toward helping you develop good savings habits – and we’re here to help you get started.
TCCU’s Save to Win has helped me by allowing me to save…I’ll keep contributing because I’m looking forward to getting a new guitar…something I’ve wanted for a while! ~ P. M.
Save To Win Website  | Save to Win Rules 2025   | CD Rates
Congratulations to these winners!
June 2023:Â $250 and $200 and $50
July 2022: $500 – Save to Win Drawing Winners
January 2022: $500 – Save to Win Drawing Winners
Our 2nd National Winner (January 2021) – Lindsey
Our 1st National Winner (January 2020) – Heather
2024 Save to Win Member Winners List
January | February | March | April |
National Helen R. TCCU Julia S. Michael F. |
TCCU Feleshia C. Caroline J. |
TCCU Emily P. Georgia H. Wade L. Henry O. |
National Emily S. Michael F. TCCU Vickie K. Bianca A. |
May | June | July | August |
National Debra C. TCCU Sharon A. Miranda A. |
National Pooja M.-$500 Cameron N. TCCU Emily P. Diana P. Emily S. Vickie K. |
National Henry T. Texas Joshua J. TCCU Joshua J. Vickie K. |
TCCU Kenneth S.; Emily P. |
September | October | November | December |
Anthony M. Feleshia C. Darlene S. Mary B. |
Vickie K. Joshua J. |
Debra C. Belinda H. |
National Pooja M. $1,000 Shaynii W. Michael F. Henry O. Kenneth S. |
Questions about our products and services? Give us a call at 817-884-1470.