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Savings Rates

Tidemark Federal Credit Union's savings account rates are structured to benefit members in Delaware, Maryland and beyond. See how your money can grow.

Share Savings

Rates Effective Starting: 7/01/2021

ProductRate*APY**
Savings0.10%0.10%
Holiday Club0.10%0.10%
Kids Club1.25%1.26%
Educational Savings Account0.90%0.90%
Health Savings Account (HSA)0.10%0.10%
IRA (Roth, Traditional, and SEP) $100 to <$50,0000.75%0.75%
IRA (Roth, Traditional, and SEP) $50,000+1.00%1.00%

*Annual Percentage Rate (APR) ** Annual Percentage Yield (APY). Dividends are compounded and paid monthly

Money Market Club Rates^

Rates Effective Starting: 6/01/2021

Balance RangeRate*APY**
$1,000 to < $10,000..25%..25%
$10,000 to < $50,000..40%..40%
$50,000 to < $100,000..45%..45%
$100,000+..50%..50%

Earn a great rate without committing your funds to a term Certificate Account. Designed as a true savings account, you can make one free withdrawal from this account per calendar month; $10 for each additional withdrawal in the same month.

*Annual Percentage Rate (APR) **Annual Percentage Yield (APY). Dividends are compounded and paid monthly

^ One free withdrawal from this account each month; $10 for each additional withdrawal in the same month.

Checking

Rates Effective Starting: 7/01/2021

ProductFeaturesRate*APY**
High Tide Checking Tier 1$1 - $10,000 >$10,0001.00% - 0%1.00% - 0%
High Tide Checking Tier 2$1 - $20,000 >$20,0001.98% - 0%2.00% - 0%
High Tide Checking Tier 3$1 - $25,000 >$25,0003.93% - 0%4.00% - 0%
FREE Tidemark StandardNo minimum balance required. Interest earned on balances above $2,0000.10%0.10%
EncoreNo minimum balance required. Interest earned on balances above $2,0000.10%0.10%

*APR = Annual Percentage Rate **APY = Annual Percentage Yield. Standard and Encore .20% APY.

**To qualify for High Tide Checking, the following must be met each month. In Branch transactions must be done at our ETMs to qualify for High Tide Checking.
Tier 1 requires at least 10 signature based debit or credit card transactions during the month. 1% APY is on balances up to 10K. Maximum monthly amount, including ATM refunds is $15. Tier 2 requires at least 15 signature based debit or credit card transactions during the month, plus $5,000 or more in loan balances. 2.% APY is on balances up to 20K. Maximum monthly amount, including ATM refunds is $40. Tier 3 at least 15 signature based debit or credit card transactions during the month, plus $50,000 or more in loan balances. 4% APY is on balances up to 25K. Maximum monthly amount, including ATM refunds is $100. High Tide tiered dividends and cash back will be calculated based on your monthly activity and current month loan balances. Pin based debit card transactions are not included towards your debit card usage for the month.

Regular And IRA Share Certificates ($1,000 Minimum)

Rates Effective Starting: 7/01/2021

TermRate*APY**
12 months0.40%0.40%
36 months0.50%0.50%
60 months0.70%0.70%

*Annual Percentage Rate (APR) ** Annual Percentage Yield (APY). Dividends are compounded and paid monthly. Penalties apply for early withdrawal.

Personal Pension ($50,000 Minimum) ~

Rates Effective Starting: 7/01/2021

TermRate*APY**
3 years.71%.71%

*Annual Percentage Rate (APR) ** Annual Percentage Yield (APY). Dividends are compounded and paid monthly. Penalties apply for early withdrawal. 
~ Turn your lump sum (including qualified retirement funds, an inheritance, or a settlement) into a monthly annuity of principal and interest deposited directly to your checking account over a period of 5 to 25 years. The variable rate is tied to the 30-year Treasury Rate plus a margin of .25%, adjusted quarterly. A standard penalty applies for early withdrawals in 3-year intervals.