This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with Torrance Community Credit Union. Rates may change without notice. Accounts are insured to at least $250,000 by NCUA.
For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share accounts were offered within the most recent seven calendar days and were accurate as of April 1, 2026.
Savings, Checking, Money Market
| Account | APR | APY | Variables | PD |
|---|
| Shares |
0.08% |
0.08% |
All balances |
Quarterly |
| Draft |
0.00% |
0.00% |
All balances |
Quarterly |
Money Market
| Balance | APR | APY | PD |
|---|
| $0 – $2,499.99 |
0.00% |
0.00% |
Monthly |
| $2,500 – $9,999.99 |
0.35% |
0.35% |
Monthly |
| $10,000 – $24,999.99 |
0.45% |
0.45% |
Monthly |
| $25,000 – $49,999.99 |
0.45% |
0.45% |
Monthly |
| $50,000 – $99,999.99 |
0.55% |
0.55% |
Monthly |
| $100,000+ |
0.70% |
0.70% |
Monthly |
IRA, Coverdell Educational
| Account | APR | APY | Variables | PD |
|---|
| Traditional IRA |
2.91% |
2.94% |
All balances |
Quarterly |
| Roth IRA |
2.91% |
2.94% |
All balances |
Quarterly |
| Coverdell Education Savings |
2.91% |
2.94% |
All balances |
Quarterly |
Holiday Club
| Account | APR | APY | Variables | PD |
|---|
| Holiday Club |
0.08% |
0.08% |
- |
Quarterly |
Your rate and yield may change at any time. Minimum balance of $5 required.
Certificates
| Term | APR | APY | Min Deposit | PD |
|---|
| 30 Days |
0.90% |
0.90% |
$1,000 |
- |
| 60 Days |
1.30% |
1.31% |
$1,000 |
- |
| 90 Days |
1.70% |
1.71% |
$1,000 |
- |
| 6 Months |
3.06% |
3.10% |
$1,000 |
Monthly |
| 9 Months |
3.11% |
3.15% |
$1,000 |
Monthly |
| 12 Months |
3.16% |
3.21% |
$1,000 |
Monthly |
| 18 Months |
3.08% |
3.12% |
$1,000 |
Monthly |
| 24 Months |
3.01% |
3.05% |
$1,000 |
Monthly |
Kids & Teen Club
| Account | Term | APR | APY | Min Deposit | PD |
|---|
| Kids Club |
6 Months |
3.06% |
3.10% |
$250 |
Monthly |
| Teen Club |
6 Months |
3.06% |
3.10% |
$250 |
Monthly |
IRA Certificates
| Account | Term | APR | APY | Min Deposit | PD |
|---|
| Traditional IRA |
12 Months |
3.16% |
3.21% |
$1,000 |
Monthly |
| Roth IRA |
12 Months |
3.16% |
3.21% |
$1,000 |
Monthly |
Jumbo Certificate Rates
We are currently not offering jumbo certificates.
Platinum CD Rate
$100,000 minimum
We are currently not offering platinum certificates.
