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.

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

Fa$track Youth Certificate

Available for a term of 12 months
$100 minimum to open and obtain disclosed annual percentage yield
Open with a $100 minimum and add funds to it, 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 a savings account – 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:

You receive one entry into monthly and quarterly prize drawings for every $25 you deposit into your Save to Win savings certificate
You may receive a maximum of 10 entries per month (with a maximum of $250 in deposits)

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

2021 Prize Distribution National Drawing

Prize Drawings	Number of Winners	Prize Amounts	Total Winners	Total Prizes
Monthly	155	$25	1,860	$46,500
	2	$500	24	$12,000
	1	$1,000	12	$12,000
Quarterly	15	$500	60	$30,000
	10	$1,000	40	$40,000
	1	$2,500	4	$10,000
	1	$5,000	4	$20,000
			2,004 Total Winners	$170,500 Total

Texas & Arkansas State Specific Drawings

Prize Drawings	Number of Winners	Prize Amounts	Total Winners	Total Prizes
Monthly	10	$25	120	$3,000

Quarterly	1	$1,000	4	$4,000
	5	$500	20	$10,000
			144 Total	$17,000 Total

1 ENTRY PER $25 DEPOSIT – 10 PER MONTH ($250), 30 PER QUARTER ($750)
Save to Win is geared toward helping you develop good savings habits – and we’re here to help you get started.

Save To Win Website | Save to Win Entry Rules | STW TIS Disclosure