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: 7/1/2018

Product Standard
  Rate APY*
Savings 0.20% 0.20%
Holiday Club 0.20% 0.20%
Kids Club 1.25% 1.26%
IRA (Roth, Traditional, and SEP)    
   $0 to <$50,000 1.40% 1.41%
   $50,000+ 1.60% 1.61%
Educational Savings Account 0.90% 0.90%
Health Savings Account (HSA) 0.20% 0.20%

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

 

Money Market Club^

Rates Effective Starting: 7/1/2018

  Standard
Balance Range Rate APY*
$1,000 to < $10,000 1.10% 1.11%
$10,000 to < $50,000 1.40% 1.41%
$50,000 to < $100,000 1.50% 1.51%
$100,000+ 1.60% 1.61%

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 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

Product Features APR

FREE Tidemark High Return

Up to $10,000*

2.00%

 

Over $10,000*

0.50%

FREE Tidemark Cash Back

2% cash back on debit card purchases *, **

0.30%

FREE Tidemark Standard

Over $2,000***

0.30%

Encore

No minimum balance required

n/a

*2.02% and .50% APY (Annual Percentage Yield). APR=Annual Percentage Rate. To qualify for High Return or Cash Back, the following must be met each month. (1) Minimum of 12 posted debit card purchases. (2) Account must have online banking, mobile banking, and eStatements. If qualifications are not met on a monthly basis, you still get free checking and a chance to qualify the next month.

 ** Up to $8 per cycle, $96 per year

*** .20% APY

 

Regular and IRA Share Certificates ($1,000 minimum)

Rates Effective Starting: 7/1/2018

  Standard
Term Rate APY*
12 months 2.00% 2.02%
36 months 2.40% 2.43%
60 months 2.60% 2.63%

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

 

Personal Pension ($50,000 minimum)~

Rates Effective Starting: 7/1/2018

  Standard
Term Rate APY*
3 years 2.88% 2.92%

* 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.