Member Services
Information for current and new credit union members
Learn About the Advantages of Credit Union Membership
Share Rates
Share Rates are the rate return that members receive for our products
| Certificate of Deposit | APR | *APY |
|---|---|---|
| 12 Month Certificate | .35% | .35% |
| 18 Month Certificate | .40% | .40% |
| 24 Month Certificate | .50% | .50% |
| 36 Month Certificate | .80% | .80% |
| 48 Month Certificate | 1.00% | 1.02% |
| TERM | APR | APY |
*Annual Percentage Yield
Minimum balance required to open a certificate of deposit or IRA of deposit is $500.00.
Minimum balance required to open a regular share account is $5.00 and $100.00 to earn interest.
All rates are subject to change without notice. Offer can be withdrawn at any time. Early withdrawal penalties will be imposed. Fees could reduce earnings. For further information inquire at any Tri-Lakes Federal Credit Union office
| Money Market | APR | *APY |
|---|---|---|
| $2,500 – $9,999 | .10% | .10% |
| $10,000 – $24,999 | .15% | .15% |
| $25,000 – plus | .20% | .20% |
*Annual Percentage Yield
Minimum balance required to open a certificate of deposit or IRA of deposit is $500.00.
Minimum balance required to open a regular share account is $5.00 and $100.00 to earn interest.
All rates are subject to change without notice. Offer can be withdrawn at any time. Early withdrawal penalties will be imposed. Fees could reduce earnings. For further information inquire at any Tri-Lakes Federal Credit Union office
| Regular Shares | APR | *APY |
|---|---|---|
| Regular Shares | .05% | .05% |
*Annual Percentage Yield
Minimum balance required to open a certificate of deposit or IRA of deposit is $500.00.
Minimum balance required to open a regular share account is $5.00 and $100.00 to earn interest.
All rates are subject to change without notice. Offer can be withdrawn at any time. Early withdrawal penalties will be imposed. Fees could reduce earnings. For further information inquire at any Tri-Lakes Federal Credit Union office
| IRA Regular Shares | APR | *APY |
|---|---|---|
| IRA Regular Shares | .05% | .05% |
*Annual Percentage Yield
Minimum balance required to open a certificate of deposit or IRA of deposit is $500.00.
Minimum balance required to open a regular share account is $5.00 and $100.00 to earn interest.
All rates are subject to change without notice. Offer can be withdrawn at any time. Early withdrawal penalties will be imposed. Fees could reduce earnings. For further information inquire at any Tri-Lakes Federal Credit Union office
| IRA Share Accounts | APR | *APY |
|---|---|---|
| 24 Month Certificate | .35% | .35% |
| 36 Month Certificate | .45% | .45% |
| 48 Month Certificate | .55% | .55% |
*Annual Percentage Yield
Minimum balance required to open a certificate of deposit or IRA of deposit is $500.00.
Minimum balance required to open a regular share account is $5.00 and $100.00 to earn interest.
All rates are subject to change without notice. Offer can be withdrawn at any time. Early withdrawal penalties will be imposed. Fees could reduce earnings. For further information inquire at any Tri-Lakes Federal Credit Union office
| All Club Accounts | APR | *APY |
|---|---|---|
| All Club Accounts | .05% | .05% |
*Annual Percentage Yield
Minimum balance required to open a certificate of deposit or IRA of deposit is $500.00.
Minimum balance required to open a regular share account is $5.00 and $100.00 to earn interest.
All rates are subject to change without notice. Offer can be withdrawn at any time. Early withdrawal penalties will be imposed. Fees could reduce earnings. For further information inquire at any Tri-Lakes Federal Credit Union office
Member Services
Services available exclusively for our credit union members
Business Accounts
Business accounts are designed specifically for businesses working and residing in the Tri-Lakes Region.
Learn about the many benefits of opening a business account with Tri-Lakes Federal Credit Union including:
- No Monthly Service Fee
- No Minimum Monthly Balance Requirements
- Free VISA Debit Card (1st card order FREE. Replacement cards $15.00)
- Free Transactions at Tri-Lakes ATMs
- Free Online Banking
- Free Transactions at Branch Offices
- Free Monthly Statements
Checking Accounts
Do you have a Direct Deposit coming to the credit union? Then Premier Checking may be right for you.
- No Monthly Service Fee
- No Minimum Monthly Balance Requirements
- Free VISA Debit Card (1st card order FREE. Replacement cards $15.00)
- Free Transactions at Tri-Lakes ATMs
- Free Online Banking
- Free Transactions at Branch Offices
- Free Monthly Statements
- Overdraft Line of Credit Loan available
You’re over 55 years young and looking for a great checking account.
- No Minimum Balance Requirements
- No Monthly Service Fee
- Free VISA Debit Card (1st card order FREE. Replacement cards $15.00)
- Free Transactions at Tri-Lakes ATMs
- Free Online Banking
- Free Automated Telephone Access
- Free Monthly Statements
- Overdraft Line of Credit Loan available
- Discount Check Orders
You’re looking for a basic checking account with unlimited transactions and no minimum balance requirements
- No Minimum Balance Requirements
- Monthly Service Fees Only $2.00
- VISA Debit Card -$1.00 per Month
- Free Transactions at Tri-Lakes ATMs
- Free Online Banking
- Free Automated Telephone Access
- Free Monthly Statements
- Overdraft Line of Credit Loan available
- This account does not require a direct deposit
Debit Cards
Tri-Lakes Federal Credit Union offers a Visa Debit card that is attached to your checking account. You can use the card in stores where Visa is accepted. Purchases made with your debit card are deducted from your checking account. You can access your savings or checking at the ATM machine with your pin number. There is no fee to order your first debit card. Any replacement cards whether lost, stolen, or damaged will be charged a $15.00 replacement fee. Our debit cards can be used anywhere in the UNITED STATES where VISA is accepted.
The following limits apply when using your Tri-Lakes FCU VISA Debit Card:
ATM Withdrawals – $703.00
Point of Sale Purchases – $5,000.00
Your PIN number (Debit) can only be used 6 times in a 24 hour period.
Point of Sale (Credit) transactions are limited to 20 in a 24 hour period.
These limits are set for your safety and they will reset at 4pm every day.
At Tri-Lakes Federal Credit Union, protecting your accounts is our top priority. Our fraud detection system looks for transactions out of your normal spending pattern or unusual locations that your card may be used. Our fraud detection center may contact you to verify this information. It is important that you respond to their call. And it is also very important to make sure that we have the most up to date contact information on file for you.
Money Market Account
Money market accounts can be a great investment tool to help grow your money.
Learn about the many benefits of a money market account including:
- No monthly service fees
- Tiered Rate Structure
- Unlimited withdrawals when made in person or at an ATM
- 3 checks/month may be written on account
- 3 automatic payments allowed per month
- Free Monthly statements
- NCUA Insured – security of funds
- Free On-line Banking
- Automated Response Telephone System
Savings & Share Accounts
- A minimum balance of $5.00 – along with a one-time entry fee of $5.00 – is needed to open a share/savings account.
- No monthly maintenance fees.
- Interest (dividends) earned on balances of $100 or more.
- Regular Share/Savings account entitles member to use of the credit union’s full line of products and services.
- Regular Share Accounts are subject to Regulation D. See Account Disclosure for further details
Enrollment begins October 1st of each year:
- No minimum deposit required.
- Deposited any dollar amount at any time. Deposits can be made through payroll deduction.
- Interest (dividends) paid at a variable rate on balances of $100 or more.
Sub savings accounts can be opened for any purpose. You can save for vacation, taxes or just a rainy day. These sub accounts stay separate from your regular shares.
Share Certificates & IRA's
A minimum deposit of $500.00 is required to purchase a Share Certificate.
- Term lengths available: 12, 18, 24, 36, and 48 month. Current rates are posted on the website and in the lobbies of both offices.
- Dividends are compounded monthly from the date of issue and not by calendar year. Dividends can be added to the Share Certificate, deposited into your regular share/savings account, or paid out in a check.
- Upon maturity, a Share Certificate will renew automatically unless otherwise specified.
- There is a penalty for early withdrawal and dividends are lost if redeemed before maturity date.
A credit union Individual Retirement Account (IRA) is a great way to begin saving for your retirement or a college fund for your kids. We offer three types of IRAs: ROTH, Traditional or Coverdell ESA (Educational).
Call or stop in today for more information.
More Convenient Services
Tri-Lakes FCU offers the convenience of direct deposit. We have the forms needed to make the transition to direct deposit smooth for both you and your employer. Forms for Social Security direct deposit are also available. Stop in today for yours!
A safe deposit box is a secure container that’s used to store valuables right here at your local credit union
Courtesy pay is a service offered by banks and credit unions that allows eligible checking account members to pay for transactions that exceed their account balance.
Online banking with check images allows users to access digital copies of checks they’ve written and deposited, as well as other information, through online banking.
Financial Education
Help grow your financial knowledge with our financial education posts
Fee Schedule
View the fees associated with our various services
| Share/Savings Account Fees: | Fee |
|---|---|
| New membership fee | $ 5.00 |
| Dormant Account fee (monthly after 12 mos) | $ 5.00 |
| Early close out fee (less than 180 days) | $10.00 |
| Savings Overdraft fee | $35.00 |
| Sharedraft Fees: | Fee |
|---|---|
| Monthly service & Maintenance fee | $ 2.00 |
| Debit Card | $ 1.00 |
| Courtesy Pay | $35.00 |
| Overdraft/NSF fee | $35.00 |
| Debit NSF transaction fee | $35.00 |
| NSF Draft Transfer Fee | $10.00 |
| Return item fee | $20.00 |
| Return item for Business accounts | $20.00 |
| Stop payment fee | $25.00 |
| ACH stop payments | $25.00 |
| Copy of draft | $ 5.00 |
| Certified Check fee | $10.00 |
| Official Check Stop Payment/Lost Checks | $25.00 |
| Protest fee | $25.00 |
| D/B/A monthly maintenance fee | $ 5.00 |
| Unauthorized ACH Fee | $35.00 |
| Levies/Restraining notice processing fee | $60.00 |
| Other Service Fees | Fee |
|---|---|
| Returned statements after 3, tracer fee | $25.00 |
| Official/Cashier Check | $ 4.00 |
| Account reconciliation hourly fee | $30.00 |
| Account research per hour | $30.00 |
| Statement copy fee (per month) | $ 5.00 |
| CD Early withdrawal penalty – 6 mos worth of interest | Varies |
| Wire transfer – incoming | $25.00 |
| Wire transfer – outgoing | $30.00 |
| IRA Annual fee | $20.00 |
| IRA Close-Out transfer fee | $20.00 |
| Replacement Debit Card | $15.00 |
| Lost Safe Deposit Box key | $25.00 |
| Safe Deposit Box Drilling (approximately | $125.00 |
