Personal Accounts
Experience the benefits of personal banking with Thornapple Credit Union and discover the TCU difference. Whether you need basic checking and savings accounts or want to maximize rewards, learn what sets Thornapple Credit Union apart from the competition.
TCU’s FEE SCHEDULE
Savings Accounts
Savings Account
This is a base account and required for membership
Rates starting at
.10%*
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
To Open:
To qualify for membership, simply reside or work in Barry County or its neighboring counties.
- $5 minimum to open
- Valid photo ID if 18+
- 17 and under require a birth certificate
- Proof of Social Security number
- Proof of Address if not the same as on the valid photo ID
Benefits:
- No monthly service fee.
- ATM Card.
- Create separate Special Savings subaccounts to conveniently keep finances separate and make budgeting easier.
Club Accounts
Rates starting at
.20%*
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
To Open:
- Must have a regular savings/shares account. Click the box below to become a member if you do not currently have a basic savings/shares account.
- Speak to a Member Service Representative at a branch or log in to your online banking.
- Click New Accounts at the top of our screen.
- Click New Shares account, select the account you want to open, and follow the prompts.
Christmas Club
- Save for gifts year-round
- Funds will be released on November 1st.
- No early withdrawal fee if you withdraw funds before the release date.
Tax Club
- Create a savings account specifically for taxes.
- Funds for Winter Property Taxes will be released on January 31st.
- Funds for Summer Property Taxes will be released on August 31st.
- No early withdrawal fee if funds are released before release dates.
Vacation Club
- Set aside money for vacation using our vacation club.
- Funds will be released on May 31st.
- No early withdrawal fee if funds are released before release dates.
Health Savings Account (HSAs)
Rates starting at
.50%*
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
To Open:
- Must have a basic savings/shares account; Click the box below to become a member if you currently do not have a basic savings/shares account.
- Speak to a Member Service Representative at a branch.
Benefits
- You can deduct contributions that you make to your HSA on your Federal Income Tax.
- Any HSA Contributions made through payroll deduction reduce your federal income tax liability.
- Earnings in your HSA grow tax-deferred.
- HSA Distributions that you use to pay for qualified medical expenses are tax-free.
- You control your HSA assets.
- You can withdraw money from your HSA at any time.
- You can carry over your HSA balance from one year to the next.
- You own the HSA and can take it with you even if you change health care plans or employers.
Eligibility
- Must be covered under an HSA-compatible high deductible health plan (HDHP).
- Cannot be enrolled in Medicare.
- Cannot be eligible to be claimed as a dependent on another person’s tax return.
- HSA eligibility is determined as of the first day of each month.
Investment Accounts
Rates starting at
.25%-4.25*
*All rates are subject to change at any time. All rates are listed as APY. Fees may reduce earnings on accounts.
To Open:
- Must have a basic savings/shares account; Click the box below to become a member if you currently do not have a basic savings/shares account.
- For IRAs – Speak to a Member Service Representative at a local branch.
- For Gold Savers and CDs – Speak to a Member Service Representative at a branch or log in to your online banking.
- Click New Accounts at the top of our screen.
- Click New Shares account, click on the account you are looking to open, and follow the prompts
*IRA accounts require additional paperwork; please inquire about opening an account with a Member Service Representative.
Gold Savers
- $500 Minimum required to open.
- 5 free withdrawals per month.
- Rates are dependent on their tier.
IRAs
*IRA accounts must be opened in person due to the signatures required to open them.
Types of IRAs Offered
- Traditional IRA
- Roth IRA
- Educational IRA
- Inheritance IRA
CDs
Terms are subject to change; please see our complete rates for up-to-date terms.
- $ 1,000 minimum required to open.
- 3-month term
- 6-month term
- 12-month term
- 24-month term
Checking Accounts
At TCU, we offer checking accounts tailored to your needs. Whether you want to maximize your checking account or explore the benefits of Secure Checking. We also have solutions to help you get your finances back on track.
Secure Checking
To Open:
- Must have a basic savings/shares account; Click the box below to become a member if you currently do not have a basic savings/shares account.
- Must be 18+ Years of age.
Under 18 and interested in our teen checking accounts or youth accounts? Youth/Teen Checking starts at age 9. Click below for more information.
Benefits
- No minimum balance to open.
- Remote Deposit Capture (RDC).
- $3.00 fee or Free for Diamond Members (see royalty rewards).
- 24/7 Total Identity Protection.
- 3-in-1 Credit File Monitoring.
- Travel and Entertainment Discounts.
- Health Savings Discounts.
- Debit Advantage Program.
- Free Credit Report Every 30 days.
- $10,000 Fraud Reimbursement.
- Cellular Telephone Protection.
- Free Telehealth Services.
Basic Checking
To Open:
- Must have a basic savings/shares account; Click the box below to become a member if you currently do not have a basic savings/shares account.
- Must be 18+ Years of age
Under 18 and interested in our teen checking accounts or youth accounts? Youth/Teen Checking starts at age 9. Click below for more information.
Benefits
- Free basic Senior Checking (62+) includes one free box of checks per calendar year.
- Free Military Checking.
- Free Basic Checking with online banking and e-statements.
- Remote Deposit Capture (RDC).
USA Patriot Act Disclosure: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain. verify, and record information that identifies each person who opens an account.
Privacy Policy Disclosure
Thornapple Credit Union is owned by its members and run by a board of directors elected by the members. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this Privacy Notice to explain how we collect, use, and safeguard your personal financial information. If you have any questions, please contact us.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliated third party financial service providers, who provide various insurance services. We may also disclose information about you under other circumstances as permitted or required by law. These types of disclosures typically include information to follow instructions we received from you authorizing us to do so, or to conduct the operations of the credit union, or to protect the security of our financial records. To protect our members’ privacy, we only work with companies that agree to maintain strong confidential protections and to limit the use of information we provide. We do not permit these companies to sell to third parties, the information we provide. Nor do we sell your information to telemarketing firms.
Information We Collect, and Disclose About You
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on membership and loan applications, as well as on other forms.
- Information about your transactions with us, our affiliates, or others.
- Information we receive from consumer reporting agencies.
- Information obtained when verifying the information you provide on an application or other form, such as from a current or past employer, or from other institutions where you conduct financial transactions.
How We Protect Member Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and your privacy. Further, we maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your public and nonpublic personal information. TCU has no way to guarantee the security of web pages we do not manage. Our web site does use cookies and third party links are provided as-is and the credit union is not responsible for the content or security of the sites.
If you terminate your membership with Thornapple Credit Union, we will NOT share information we have collected about you, or any joint account holders or cosigners, except as permitted or required by law.
Online Privacy Practices
Thornapple Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
Cookies: A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. Thornapple Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).