Deposit Rates

Deposit Rates2026-08-17T17:50:18+00:00

Put Your Money to Work for You

TelComm Credit Union publishes current deposit rates for all savings products, including savings accounts, certificates of deposit, money market accounts, and IRAs, so members can make informed decisions about where to put their money. As a not-for-profit cooperative, TelComm works to offer competitive dividend rates that return more value to our members. Check this page regularly for the most up-to-date rates on all TelComm deposit accounts.

Account Types and Rates

  • Share Savings ($50 Avg. Daily Bal./Qtr.)
    • 0.07% APY
  • Sub-Share Savings
    • 0.07% APY
  • Christmas Club (After balance reaches $50.00)
    • 0.07% APY
  • Checking (ADB/month of $200.00)
    • 0.03% APY
  • Teen Checking (ADB/month of $200.00)
    • 0.03% APY
  • Kirby Kangaroo Kids Share
    • 0.07% APY
  • Coverdell Education Savings Acct. (ESA) Share
    • 0.80% APY
  • Health Savings Acct. (HSA) Share
    • 0.80% APY
  • IRA Share
    • 0.80% APY

CDs have a $1,000.00 minimum.

  • 60 Month

    • 3.30% APR / 3.35% APY
  • 36 Month
    • 3.10% APR / 3.15% APY
  • 24 Month
    • 2.50% APR / 2.53% APY
  • 18 Month
    • 2.50% APR / 2.53% APY
  • 12 Month
    • 2.85% APR / 2.89% APY
  • 9 Month
    • 2.75% APR / 2.78% APY
  • 6 Month
    • 3.50% APR / 3.55% APY
  • 90 Day
    • 1.00% APR / 1.00% APY

Loan Amounts and Rates

  • $2,500 – $9,999
    • 2.00% APR
    • 2.02% APY
  • $10,000 – $24,999
    • 2.10% APR
    • 2.12% APY
  • $25,000 – $49,999
    • 2.10% APR
    • 2.12% APY
  • $50,000 – $99,999
    • 2.60% APR
    • 2.63% APY
  • $100,000 – $249,999
    • 2.85% APR
    • 2.89% APY
  • $250,000+
    • 3.25% APR
    • 3.30% APY

HSA CD Term and Rate

  • 6-Month HSA CD
    • 3.50% APR
    • 3.55% APY

IRA CD Terms and Rates

  • 60-Month IRA CD
    • 3.30% APR
    • 3.35% APY
  • 36-Month IRA CD
    • 3.10% APR
    • 3.15% APY
  • 24-Month IRA CD
    • 2.50% APR
    • 2.53% APY
  • 18 Month IRA CD
    • 2.50% APR
    • 2.53% APY
  • 12-Month IRA CD
    • 2.85% APR
    • 2.89% APY
  • 9 Month IRA CD
    • 2.75% APR
    • 2.78% APY
  • 6-Month IRA CD
    • 3.50% APR
    • 3.55% APY

APY= Annual Percentage Yield

Checking account dividends paid monthly.

All other dividend rates declared and paid quarterly.

Rates may vary and are subject to change without notice.

Put Your Money to Work for You

TelComm Credit Union publishes current deposit rates for all savings products, including savings accounts, certificates of deposit, money market accounts, and IRAs, so members can make informed decisions about where to put their money. As a not-for-profit cooperative, TelComm works to offer competitive dividend rates that return more value to our members. Check this page regularly for the most up-to-date rates on all TelComm deposit accounts.

Share Savings ($50 Avg. Daily Bal./Qtr.) 0.07% APY
Sub-Share Savings 0.07% APY
Christmas Club (After balance reaches $50.00) 0.07% APY
Checking (ADB/month of $200.00) 0.03% APY
Teen Checking (ADB/month of $200.00) 0.03% APY
Kirby Kangaroo Kids Share 0.07% APY
Coverdell Education Savings Acct. (ESA) Share 0.80% APY
Health Savings Acct. (HSA) Share 0.80% APY
IRA Share 0.80% APY

60 Month 3.30% APR / 3.35% APY
36 Month 3.10% APR / 3.15% APY
24 Month 2.50% APR / 2.53% APY
18 Month 2.50% APR / 2.53% APY
12 Month 2.85% APR / 2.89% APY
9 Month 2.75% APR / 2.78% APY
6 Month 3.50% APR / 3.55% APY
90 Day 1.00% APR / 1.00% APY
CDs have a $1,000.00 minimum.

$2,500 – $9,999 2.00% APR / 2.02% APY
$10,000 – $24,999 2.10% APR / 2.12% APY
$25,000 – $49,999 2.10% APR / 2.12% APY
$50,000 – $99,999 2.60% APR / 2.63% APY
$100,000 – $249,999 2.85% APR / 2.89% APY
$250,000+ 3.25% APR / 3.30% APY

6-Month HSA CD 3.50% APR / 3.55% APY

60-Month IRA CD 3.30% APR / 3.35% APY
36-Month IRA CD 3.10% APR / 3.15% APY
24-Month IRA CD 2.50% APR / 2.53% APY
18-Month IRA CD 2.50% APR / 2.53% APY
12-Month IRA CD 2.85% APR / 2.89% APY
9-Month IRA CD 2.75% APR / 2.78% APY
6-Month IRA CD 3.50% APR / 3.55% APY

APY= Annual Percentage Yield

Checking account, Money Market, and Certificate of Deposit dividends paid monthly.

All other dividend rates declared and paid quarterly.

Rates may vary and are subject to change without notice.

Want to learn more about how your TelComm CU accounts are protected by NCUA account insurance?

Click here for details via the Share Insurance Estimator.

Frequently Asked Questions

Where can I find current savings rates at TelComm?2026-08-17T17:49:16+00:00

Current dividend rates for all TelComm deposit accounts including savings, CDs, money market, and IRAs are published on our Deposit Rates page at TelCommCU.com.

How often does TelComm update its deposit rates?2026-08-17T17:49:35+00:00

Deposit rates are reviewed and updated regularly. We recommend checking the Deposit Rates page or contacting us directly for the most current information.

Does TelComm offer a CD rate special or promotional rate?2026-08-17T17:59:22+00:00

TelComm periodically offers promotional CD rates. Check our Deposit Rates page or contact us at 417.886.5355 to ask about current specials.

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417.886.5355

Sunshine Location
2155 E. Sunshine St.
Springfield, MO 65804
No-fee TelComm ATM
Sunshine Hours

Battlefield Location
2416 W. Battlefield Rd.
Springfield, MO 65807
No-fee TelComm ATM
Battlefield Hours

Chestnut Location
400 E. Chestnut St.
Springfield, MO 65806
No-fee TelComm ATM
Chestnut Hours

Republic St. Location
1750 E. Republic St.
Springfield, MO 65804
No-fee TelComm ATM
Republic St. Hours

Nixa Location
1564 N. Main St.
Nixa, MO 65714
No-fee TelComm ATM
Nixa Hours

Republic Location
161 US Hwy. 60 West
Republic, MO 65738
No-fee TelComm ATM
Republic Hours

© 2025 TelComm Credit Union, All Rights Reserved. Equal Housing Lender | Member NCUA

Routing Number: 286582876
NMLS# 442955

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