Savings
       Build your way to financial security by saving at TOFCU!
We offer competitve rates and the security of knowing that all funds deposited at your credit union are guaranteed up to $100,000 by the NCUA, an agency of the federal government.  We offer a number of savings plans - plus the convenience of both payroll deduction and direct deposit - to help you plan and achieve your savings goals.  We have plans for retirement, special occasions, or for the peace of mind in building that "rainy day fund" to be there in times of need.  Stop in or give us a call (or email) for more information on how we can help you take charge of your own financial future!
                                      Rates are effective as of May 21, 2008
Daily Interest Accounts

Account Type
Minimum Balance to
Open / Maintain Account
Account Balance
Annual Percentage
Yield  (APY)
Shares
$35
to $2,000
  0.50%
Shares
$35
$2,000 to $10,000
0.75%
Shares
$35
$10,000+
1.00%
IRA
$5
$5+
2.50%
The above rates are prospective dividend rates and anticipated Annual
Percentage Yields (APY) for the current dividend period.  These rates may
change as determined by the credit union Board of Directors.  Any fees
you inccur will reduce the earnings on your accounts.

Certificate Accounts
Annual Percentage Yield (APY)

Certificate Term*
Minimum Balance
$1000
Minimum Balance
$5000
Minimum Balance
$10,000
  6 Months
2.00%
2.25%
2.50%
12 Months
2.25%
2.50%
2.75%
18 Months
2.30%
2.60%
2.85%
24 Months
2.50%
2.75%
3.00%
36 Months
2.75%
3.00%
3.25%

* A penality will be imposed  for early withdrawal