Products & Services

Share Draft Account

At A Glance

A non-interest bearing account that offers unlimited check writing and deposits

Best For

Individuals who need to access their account frequently by check or debit card (Surcharge Free ATM's). No minimum balance is required

Features

  • Debit card (Surcharge Free ATMs) and overdraft protection available upon application
  • Discounted checks for seniors & new member checking accounts

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

Cost of printing checks. ( http://mainstreetinc.com/ ) If this is your FIRST order w/our new check company, Main Street, please call TCU @ 608-362-8983. Senior Class members still need to contact the Credit Union for your check orders. See truth in savings disclosure.

Payroll Deduction


At A Glance

Pay checks deposited electronically into your share or share draft account

Best For

Have your money early payday morning whether working or vacationing.

Features

  • Debit cards (Surcharge Free ATMs) available for cash withdrawal
  • Immediate transfers to any other share or loan accounts

Minimum Balance

N/A

Fees

N/A

Share Account

At A Glance

A basic interest bearing savings account

Best For

Direct Deposit

Features

  • Access to all other TCU services

Minimum Balance

  • Purchase of $5.00 in Credit Union
  • Must maintain a minimum daily balance of $200.00 in your account to obtain the disclosed APY**

Fees

See truth in savings disclosure.

Become a member today.

Junior Savers Account

At A Glance

A special club for children ages newborn through 16

Best For

Teaching children good savings habits

Features

  • Free gift with each deposit, ages 3 through 12
  • Quarterly drawings for prizes, ages 3 through 15

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

$1.00 enrollment fee. See truth in savings disclosure.

Christmas Club Account

At A Glance

Great way to save for Christmas

Features

Balance transferred to your share account on October 1st of each year

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

$8.00 fee for early withdrawal. See truth in savings disclosure.

Individual Retirement Accounts

At A Glance

Roth, Traditional, and Coverdell Educational IRAs available

Best For

Traditional IRAs offer a great way to save for retirement. Roth and Education IRAs offer the opportunity for additional savings for those who don't benefit from a Traditional IRA.

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

$50.00 early withdrawal penalty - if less than 5 years old

Share Certificates

At A Glance

Higher yield time deposit accounts

Best For

Preferred rates in exchange for a commitment to leave funds on deposit for a set period of time.

Features

  • 18 month Share Certificate allows one withdrawal without penalty

Minimum Balance

  • Minimum balance of $1000.00
  • 18 month = $5,000.00 to open, $2,500.00 after withdrawal

Fees

Penalties for early withdrawal

If you don't have online banking, become a member today.

Personal Loans

At A Glance

Low interest loans for any occasion

Best For

Vacation loans, MasterCard, Kwik Cash loans

Features

Credit Life and Disability Insurance available

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

N/A

To apply for a loan today log in to online banking.

If you don't have online banking, become a member today.

Mortgage Loans

At A Glance

Low interest mortgage loans

Best For

Fixed rate loans with monthly payment terms arranged

Features

Ask for our loan officer, Lisa (NMLS# 802963).

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

N/A

To apply for a loan today log in to online banking.

If you don't have online banking, become a member today.

Vehicle Loans

NEW VEHICLE RATES AS LOW AS 4.99%

Purchase or Refinance a 2022 or newer vehicle for a rate as low as 4.99% for up to 60 months!

Offer good from October 16th through October 31st, 2024. Annual Percentage Rate. Membership eligibility required. New money only. Offer cannot be combined with existing loans. Repayment example: $10,000.00 at 4.99% for 60 months is $188.68. Rates and terms are subject to credit approval.

At A Glance

Low interest vehicle loans

Best For

Any vehicle including recreational vehicles such as: boats, motorcycles, RVs, UTVs, ATVs, and 4-wheelers.

Features

  • Credit Life
  • Disability
  • GAP Insurance

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

N/A

To apply for a loan today log in to online banking.

If you don't have online banking, become a member today.

Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:
  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loan refinance options.

    • In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

    Learn more about ISL Education Lending’s offerings on their website:

    Get Started

    Please note:
  • All loans offered by ISL Education Lending are subject to credit approval.
  • Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

    • *Teachers Credit Union is compensated by ISL Education Lending for the referral of student loan customers.

    Travel Money Cards

    At A Glance

    Best For

    Safety when traveling

    Fees

    TCU EMV Chip Travel Money Card

    • $8.00 new card/$7.00 reload
    • Load $100.00 - $5,000.00
    • Card Max Value is $5,000.00

    Reorder Checks

    Order Now

    Fees

    Cost of printing checks. ( http://mainstreetinc.com/ ) If this is your FIRST order w/our new check company, Main Street, please call TCU @ 608-362-8983. Senior Class members still need to contact the Credit Union for your check orders. See fee schedule and truth in savings disclosure.