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Personal Savings & Certificates

Start building your savings today with a better Savings Account.
This free account offers a competitive dividend rate, so you can get the most out of your money. Your account comes with plenty of free benefits, such as online banking, a low minimum balance and no monthly service fees.

Savings Account

On top of building toward your savings goals, this account also establishes your membership at Town & Country, which gives you access to all the member-oriented services we provide. All it takes is a $25 deposit to get started on your journey toward a better banking experience.
  • Competitive dividend rate
  • No monthly service fee
  • Establishes membership at Town & Country Federal Credit Union*
  • Utilize direct deposit for an easy way to build savings
  • $25 minimum opening balance
*Must maintain $25 within account at all times to remain a member

Money Market

Take advantage of your higher account balance with even better returns from our Money Market Account.
Our tiered interest rates ensure that your dividends go up as your balance does. On top of higher payouts, you also retain access to your money at the same time. Get on the fast track to meeting your life goals with the flexible nature of a Town & Country Federal Credit Union Money Market.
  • Competitive dividends on all balances of $2,000 or more
  • Earn a higher rate as you reach higher balance tiers
  • No monthly service fee
  • Utilize direct deposit for an easy way to build savings
  • $2,000 minimum opening deposit
Still have questions? Click here to book a consultation.

Share Certificates

Whether you’re looking for a short- or long-term savings plan, a fixed-rate certificate from Town & Country Federal Credit Union is a great investment.
You decide how much you want to invest and for how long, then we lock in a dividend rate. Certificates offer the guarantee you deserve to make your dreams a reality. Get started today, then sit back and relax as your savings steadily grow.
  • Fixed rates for guaranteed savings
  • Higher dividends than regular savings
  • A wide range of terms ranging from 3 months to 5 years
  • Withdraw dividends when and how you want
  • Notification when it is due to automatically roll over
  • $500 minimum opening deposit
Use our easy certificate calculator to see how much your savings will earn.
Want to learn more about how certificates work? Check out this brief article.
Still have questions? Click here to book a consultation.

Individual Retirement Accounts (IRA)

There’s no better time to start preparing for the future than right now.
We can help you get started with a variety of savings options specifically designed to provide you the easy and relaxing retirement you deserve. We offer different tax-advantaged choices that provide a safe return on investment.
Get started with the right plan for you today, so the only thing you’ll have to worry about in the future is finding the perfect spot on your favorite fishing pier.
  • Tax-advantaged retirement savings*
  • Competitive dividends above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $6,500 limited contribution in 2023 and $7,000 in 2024 limit per year.
  • Additional $1,000 “catch-up” contribution allowed for ages 50+
  • Funds can be used to open IRA certificates of deposit and IRA share accounts
  • $500 minimum deposit to open certificates of deposit
To get started, stop by our convenient branch locations.

Traditional VS Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Must have earned income make contributions
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Penalty free withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 73

Roth IRA

  • Income limits to be eligible to open Roth IRA***
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on dividends can begin at age 59½
  • Early withdrawals on earnings subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income
*Subject to some minimal conditions. Consult a tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.
Still have questions? Click here to book a consultation.

Coverdell Education Savings

Create less financial restraints by setting aside for your child’s education early with a Coverdell Education Savings Account (CESA). And take advantage of a tax-free safe place to grow competitive dividends at the same time.
  • Set aside funds for your child’s education
  • No setup or annual fee
  • Dividends grow tax-free
  • Withdrawals are tax-free when used for qualified education expenses*
  • Designated beneficiary must be under 18 when contributions are made
  • To contribute to an ESA, certain income limits apply**
  • Contributions are not tax deductible
  • $2,000 maximum annual contribution per child
  • The money must be withdrawn by the time he or she turns 30***
  • The CESA can also be rolled over without penalty to another member of the family
  • No minimum deposit to open
  • NCUA insured
  • *Qualified expenses include tuition and fees, books, supplies, board, etc.
  • **Consult your tax advisor to determine your contribution limit.
  • ***Those earnings are subject to income tax and a 10% penalty
Still have questions? Click here to book a consultation.

Club Accounts

Looking for a way to earn interest for a specific short- or long-term need or just for fun? Join the Club! Whether you’re saving for a fun family vacation or a holiday shopping spree, year-round savings will get you closer to your goals.
Club Accounts offer competitive dividends with access to funds when you need them. It’s a great way to set aside funds a little at a time, so that when it’s time to use them, you’re prepared. Set aside in any amount you’re comfortable with, then watch as your savings and your goals come to life!

Holiday Club

  • Competitive dividends
  • No monthly service fee
  • Save little by little for the perfect holiday season
  • Funds released on October 15th, just in time to go holiday shopping
  • Set up direct deposit
  • No minimum opening deposit

Vacation Club

  • Competitive dividends
  • No monthly service fee
  • Save little by little for a carefree vacation
  • 6 free transactions per month
  • Set up direct deposit
  • No minimum opening deposit
Still have questions? Click here to book a consultation.

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