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Source: https://www.towerfcu.org/rates/deposit-rates
Read: 2026-10-22T16:25:29.000Z

Best Account Rates | MD, DC, VA Savings Account | Tower Skip to Main Content Navigate to Sitemap
Checking Account Type | Dividend Rate % | APY %* | Minimum to Open
Regular Checking | 0.15% | 0.15% | $10
Request Checking | 0.15% | 0.15% | $10
APY = Annual Percentage Yield.
Savings Account Type | Dividend Rate % | APY %* | Minimum to Open
Prime Share | 0.85% | 0.85% | $5
Holiday Club | 0.85% | 0.85% | $5
You Name It Club | 0.85% | 0.85% | $5
APY = Annual Percentage Yield.
## 3.50% APY Money Market Special
New and existing Money Market accounts earn 3.50% APY on all balances through December 28, 2026.
Money Market Account Balance | Dividend Rate % | APY %*
$0.00 to $2,499.99 | 3.44% | 3.50%
$2,500.00 to $9,999.99 | 3.44% | 3.50%
$10,000.00 to $49,999.99 | 3.44% | 3.50%
$50,000.00 to $99,999.99 | 3.44% | 3.50%
$100,000.00 to 499,999.99 | 3.44% | 3.50%
$500,000.00 and above | 3.44% | 3.50%
APY = Annual Percentage Yield.
Regular and Special Share Certificates | Dividend Rate % | APY %* | Minimum to Open
3 month† | 1.04% | 1.05% | $500
6 month | 1.54% | 1.55% | $500
9 month† | 4.07% | 4.15% | $500
18 month† | 4.50% | 4.60% | $500
1 year | 4.83% | 4.95% | $500
2 year | 5.07% | 5.20% | $500
3 year | 4.69% | 4.80% | $500
4 year | 4.74% | 4.85% | $500
5 year | 4.78% | 4.90% | $500
APY = Annual Percentage Yield.
Bump-Up Share Certificates | Dividend Rate % | APY %* | Minimum to Open
4 year Bump-Up | 4.26% | 4.35% | $5,000
5 year Bump-Up | 4.31% | 4.40% | $5,000
APY = Annual Percentage Yield.
Mini-Jumbo Share Certificates | Dividend Rate % | APY %* | Minimum to Open
4 year Mini-Jumbo | 4.88% | 5.00% | $20,000
5 year Mini-Jumbo | 4.93% | 5.05% | $20,000
APY = Annual Percentage Yield.
Jumbo Share Certificates | Dividend Rate % | APY %* | Minimum to Open
30 - 90 days | 1.09% | 1.10% | $100,000
91 - 182 days | 1.59% | 1.60% | $100,000
183 - 273 days | 4.11% | 4.20% | $100,000
274 - 365 days | 4.88% | 5.00% | $100,000
APY = Annual Percentage Yield.
Product | Dividend Rate % | APY %* | Minimum to Open
IRA Club Account | 0.85 | 0.85 | $5
APY = Annual Percentage Yield.
Regular IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open
1 year | 4.83% | 4.95% | $500
2 year | 5.07% | 5.20% | $500
3 year | 4.69% | 4.80% | $500
4 year | 4.74% | 4.85% | $500
5 year | 4.78% | 4.90% | $500
APY = Annual Percentage Yield.
Bump-Up IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open
4 year Bump-Up | 4.26% | 4.35% | $5,000
5 year Bump-Up | 4.31% | 4.40% | $5,000
APY = Annual Percentage Yield.
Mini-Jumbo IRA Share Certificates | Dividend Rate % | APY %* | Minimum to Open
4 year Mini-Jumbo | 4.88% | 5.00% | $20,000
5 year Mini-Jumbo | 4.93% | 5.05% | $20,000
APY = Annual Percentage Yield.