Membership has
its Benefits
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 optimize rewards, find out 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 requires a birth certificate
- Proof of Social Security number
- Proof of Address if not the same on Driver’s License
Benefits:
- No monthly service fee.
- ATM Card.
- Create separate Special Savings. Funds to conveniently keep finances separate and make budgeting easier.
Club Accounts
Rates starting at
.15%*
*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 currently do not have a basic savings/shares account.
- Speak to a Member Service Representative at a local 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.
Christmas Club
- Save for gifts year-round; funds are released November 1st.
- Funds remain Frozen until November 1st.
- No early withdrawal fee if funds are released before release dates.
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
.25%*
*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 local 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 are in charge of 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%-4.08*
*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 local 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
Gold Savers
- $500 Minimum required to open.
- 3 free withdrawals per month.
- Rates are dependent on their tier.
IRAs
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.
- $1000 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?
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.
- Earn qualified dividends on the first $1,000.
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.
Benefits
- Free basic Senior Checking (62+) includes one free box of checks per calendar year.
- Free Military Checking.
- Free Basic Checking with Online Banking & E-Statements.
- Remote Deposit Capture (RDC).
Privacy Policy
Funds Availability Policy
Biometric Information Privacy Policy
TCU’s Fee Schedule