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Certificate Accounts

Earn more interest with our excellent CD rates offering terms from 3 to 60 months!

  • Higher dividends than regular savings
  • No fees or handling charges
  • Minimum deposit $500
  • Can be pledged as collateral on loans
  • Various terms available
  • Monthly dividends can be:
    • Compounded (paid into the CD)
    • Transferred to Savings or Checking Account
    • Paid by check

     Current Dividends

    Related Topics
     Following the Rules: Withdrawing From Your IRA
     Retirement First Aid
     Retirement Saving:
    A 40-Year Journey
     



    High Yield Money Market Accounts

    Our Money Market and Prime Money Market products have now been combined to benefit more of our members. With rates as high as 4.50% APY*, a Team One Money Market Account partners high-yield savings with convenient fund access.

    Our Money Market Account offers:

  • Low, minimum balance requirement of $2000 to open and begin earning dividends
  • Six withdrawals per month of $500 or more (three via check)
  • Unlimited deposits of $500 or more
  • Money Market convenience checks available
  • Account information available 24/7 through CU@Home with e-Statements & Speedy



  • Balance Rate APY*
    $2000.01-$25,000 1.24% 1.25%
    $25,000.01-$75,000 2.23% 2.25%
    $75,000.01-$200,000 2.47% 2.50%
    $200,000.01 and over 2.72% 2.75%


     Current Dividends

    *APY = Annual Percentage Yield

    Individual Retirement Accounts

    An Individual Retirement Account (IRA) is authorized by the Federal Government to help you save for your retirement. The deadline to open an IRA is April 15th of the following tax year. Team One offers traditional IRAs, Roth IRAs and Coverdell Education Savings Accounts (formerly called Education IRA). Choose the one that is right for you.

    • Can be Shares or Certificate Accounts
    • Pays excellent dividends
    • Has no handling or maintenance fees
    • Allows payroll deduction
    • Compounds interest monthly or quarterly, depending on type
     Current Dividends
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      Team One Credit Union
    520 Hayden St.
    Saginaw, MI 48607
    EHL We Do Business In Accordance With the Federal Fair Housing Law and the
    Equal Credit Opportunity Act.
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    Team One's Regulatory Agency

    Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.

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