Current Rates
Regular And IRA Share Certificates ($500 Minimum)
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Rates Effective Starting: 01/08/2026
| Term | Rate* | APY** |
|---|---|---|
| 6 months*** | 3.40% | 3.45% |
| 12 months | 3.35% | 3.40% |
| 36 months | 2.50% | 2.52% |
| 60 months | 2.00% | 2.01% |
*Percentage Rate (APR)
** Annual Percentage Yield (APY). Dividends are compounded and paid monthly. Penalties apply for early withdrawal.
*** Not offered for IRA Certificate
** Annual Percentage Yield (APY). Dividends are compounded and paid monthly. Penalties apply for early withdrawal.
*** Not offered for IRA Certificate
Checking
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Rates Effective Starting: 01/08/2026
| Product | Features | Rate* | APY** |
|---|---|---|---|
| High Tide Checking Tier 1 | $1 - $10,000 >$10,000 | 1% | 1% |
| High Tide Checking Tier 2 | $1 - $20,000 >$20,000 | 1.98% | 2% |
| High Tide Checking Tier 3 | $1 - $25,000 >$25,000 | 3.93% | 4% |
| FREE Tidemark Standard | No minimum balance required. Interest earned on balances above $2,000 | 0.10% | 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. % 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. % 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. % 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.High Yield Money Market^
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Rates Effective Starting: 01/08/2026
| Balance Range | Rate* | APY** |
|---|---|---|
| Balance Range $1,000 to < $10,000 | 1.10% | 1.10% |
| Balance Range $10,000 to < $50,000 | 1.20% | 1.20% |
| Balance Range $50,000 to < $100,000 | 1.30% | 1.30% |
| Balance Range $100,000 to < $250,000 | 1.40% | 1.41% |
| Balance Range $250,000+ | 1.50% | 1.51% |
Earn a great rate without committing your funds to a term Certificate Account. There is no limit or fee for withdrawals
*Annual Percentage Rate (APR) **Annual Percentage Yield (APY). Dividends are compounded and paid monthly.
Business Rates
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Effective: 10/07/2024
| Account Type | Dividends | Balance Requirements | |||||||
|---|---|---|---|---|---|---|---|---|---|
| Balance Range for Tiered Accounts | Dividend Rate/ Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period | Minimum Opening Deposit | Minimum Balance to Avoid a Service Fee | Minimum Balance to Earn the Stated APY | Balance Method | |
| Prime Share Account | .10%/.10% | Monthly | Monthly | Monthly (calendar) | $5.00 | --- | $100.00 | Daily Balance | |
| Money Market Club Account | $1,000 to <$10,000 $10,000 to <$50,000 $50,000 to <$100,000 $100,000+ |
1.45%/1.46% 1.55%/1.56% 1.65%/1.66% 1.75%/1.77% |
Monthly | Monthly | Monthly (calendar) | --- | $1,000 $10,000 $50,000 $100,000 |
Average Daily Balance | |
| Basic Checking | nbsp; | N/a | N/a | N/a | N/a | --- | $500.00 | N/a | N/a |
| Deluxe Checking | N/a | N/a | N/a | N/a | $1,000.00 | N/a | N/a | ||
| Premium Checking | $1,000 to <$10,000 $10,000 to <$50,000 $50,000 to <$100,000 $100,000+ |
.30%/.30% .35%/.35% .45%/.45% .55%/.55% |
Monthly | Monthly< | Monthly (calendar) | --- | $15 Monthly Fee Applies | $1,000 $10,000 $50,000 $100,000 |
Average Daily Balance |
Other Business Service Fees
| OTHER SERVICE FEES | |
|---|---|
| Account Research | $25.00/hour or fraction thereof |
| ATM Withdrawal Fee | $2.00/each ~after 8 free per month (unlimited free withdrawals at all TFCU owned ATMs) |
| Attachment (tax, levy, garnishment) | $50.00/each |
| Bad Address on Accounts | $10.00/for initial and $5.00 per month thereafter |
| Coin & Currency Services | Free at the ETM. The following fees apply if processed by a staff member: |
|---|---|
| Basic Checking | Free up to $1,000/mth, 0.15% thereafter |
| Deluxe Checking | Free up to $5,000/mth, 0.15% thereafter |
| Premium Checking | Free up to $10,000/mth, 0.15% thereafter |
| Check Cashing | |
|---|---|
| On-Us by Non-Member | >$100 $8 each |
| Copies | |
|---|---|
| Check Copy (Share Draft or Cashier’s Check) |
$3.00/each |
| Deposit Item | $3.00/each |
| Dormant Accounts | |
|---|---|
|
Share Balances <$800; no other share or loan balances; no activity for 1 year. |
$5.00/month |
| Item Processing Fees | |
|---|---|
| Basic Checking | Up to 25 free checks paid, then $.10 each.Up to 25 free deposit items, then $.10 each |
| Deluxe Checking | Up to 50 free checks paid, then $.10 each. Up to 50 free deposit items, then $.10 each |
| Premium Checking | Up to 100 free checks paid, then $.10 each. Up to 100 free deposit items, then $.10 each |
| Monthly Maintenance Fee | |
|---|---|
| Basic Checking | $5.00 per month (applied only if average daily balance falls below $500) |
| Deluxe Checking | $7.50 per month (applied only if average daily balance falls below $1,000) |
| Premium Checking | $15.00 per month |
| Notary | Free |
| Returned Items | |
|---|---|
| NSF and Returned Item |
$15.00/each Share Draft, ACH, ATM, POS overdraft |
| NSF and Returned Item* |
$30.00/each Bill Pay |
| Returned Deposit Item (3rd Party and Loan Payment) |
$35.00/each Account Transfer $10.00/each |
| Reopen Checking Account |
$30.00/occurrence |
| Prime Share Withdrawals (staff assisted) |
4 free each month. $1.00 each additional |
| Short-Term Account History |
$1.00/page |
| Statements | |
|---|---|
| Electronic | Free |
| Paper Mailed | $2.00/each |
| Copy | $1.00/page |
| Stop Payment Order | |
|---|---|
| Checks, ACH | Free on online banking or audio response (checks only); staff assisted $20.00/each |
| Account Transfer | Self-service $15; staff assisted $20/each |
| Telephone Transfers (Staff Assisted) |
$8.00/each (does not |
| Wire Transfers | |
|---|---|
| Incoming | $8.00/each |
| Outgoing | $20.00/each (Domestic) |
| Overdraft Protection Transfer from Prime Share | $3.00/each |
| Debit / Credit Cards | |
|---|---|
| Replacement Card | $5.00/each |
| Replacement PIN | $3.00/each |
| VISA International Service Assessment (ISA) |
1% of transaction amount on international single and multi currency transactions |
| Cardholder Dispute where it’s determined that Cardholder is responsible | $25/each item |
| Online Account Access | |
|---|---|
| On-Line and Mobile Banking | Free |
| Bill Pay | $0.65/each item |
| Bill Pay Proof of Payment Order | $20.00/each |
Any member requesting special services that are
beyond the scope of Tidemark FCU’s normal
business practices will be charged for any direct
costs associated with those services.
Fees are subject to change by Board action.
* These are 3rd party fees charged to us that are passed through to the member.
