Totally FREE Checking
At Tri-CU Credit Union, you’re more than a member—you’re friends. Enjoy FREE checking, with great rates, local perks, and the kind of friendly service only a small hometown credit union can provide. Note: Credit union checking accounts are sometimes called “sharedraft” accounts.
- Earn 5% on the first $500! Balances exceeding $500.01 receive 0.0% dividends. Special dividends are for the primary checking account only, annual percentage yield). Checking Dividends only apply to the primary checking account (one per member), and does not apply to business checking accounts.
- NO NSF Fees! We’re the *only* local credit union that doesn’t charge NSF Fees, AT ALL! We also don’t charge overdraft transfer fees and our Courtesy Pay is only $10!
- Free Mobile Banking, Free Check Deposit & Free BillPay
- Free ATM withdrawals at any Allpoint or Co-op Network ATMs.
- Free Debit Cards – Printed in minutes!
- Order Check Replacements here
Fraud Reminder: Tri-CU must be informed IMMEDIATELY (by phone, or in person), of any suspected fraud on your account, to help avoid personal liability (so your card or account can be closed or blocked to prevent further fraud). After Tri-CU has been advised of the potential fraud, then this completed form can be delivered to Tri-CU, to begin the official claim process. Please do NOT put any personal account numbers on this form if you plan to e-mail it (e-mail is not secure).
Share Savings
Your primary savings account established your membership, as an “owner” of our not-for-profit cooperative, which is why they are also called “share” accounts. A local credit union is the perfect companion for growing your savings with ease! With just a $50 minimum balance, you can enjoy dividends with no strings attached. Here’s what makes it special:
- Earn 5% on the first $500! (One per member, on the primary share-savings account only, annual percentage yield). Standard dividends apply to balances exceeding $500, or for secondary or auxiliary savings accounts.
- NO NSF Fees! We’re the *only* local credit union that doesn’t charge NSF Fees, AT ALL! We also don’t charge overdraft transfer fee (from other accounts) and our Courtesy Pay is only $10!
- No Hassle, Just Happiness: No monthly fees or complicated requirements – it’s simple, stress-free savings!
Secondary & Auxiliary Savings
Although the special 5% on the first $500 dividend is only available for a member’s primary share savings accounts (one per member), you can open multiple accounts, or auxiliary savings, and they are also free, earning our standard dividends. Flexible Savings: Ideal as a secondary account to tuck away funds for vacations, emergencies, or special projects.
Join the Tri-CU family today and watch your savings grow with a smile!
*Annual Percentage Yield. Stated annual percentage yield as of the last dividend declaration date. Standard dividends apply to balances exceeding $500, or for secondary or auxiliary savings accounts. Start with a $50 minimum balance to receive dividends.
Christmas Club Accounts
Get ready to make your holidays merry and bright with our Christmas Club account! It’s the perfect way to save up for those special moments, and we’ve got your back with some festive perks:
- Earn 5% on the first $500! (One per member, annual percentage yield). Standard dividends apply to balances exceeding $500.
- Holiday Savings Made Simple: Hold your savings until November 20th with just a $5 minimum balance – watch your funds grow for a stress-free season, and your money will be ready when you need it most!
Let Tri-CU help you spread holiday cheer with a savings plan that feels like a gift to yourself!
*Annual Percentage Yield. Stated annual percentage yield as of the last dividend declaration date. $5 minimum balance to earn dividends.
Treasure Trove Kid’s Club!
Friendly Tri-CU dragons Charlie & Sunny, live deep in the Caves of Coinshine, where treasure chests overflow with sparkling gold coins they have saved! Your child (0-12 years), can unlock the magic of saving, one coin at a time!. Our mission? To help your child learn smart savings habits, reach their big dreams, and turn every visit to Tri-CU into a fun adventure as they grow into teens and adults. Check out the special perks just for kids accounts:
- Earn 5% on the first $500: This is a high enough dividend, they can actually SEE their money growing! (One per child, annual percentage yield, standard dividends apply to balances exceeding $500)
- Free Piggy Bank: A perfect way to start savings, for every Treasure Trove Member!
- Coin Machine Magic: Your child can bring up to $10 in coins to deposit for free, the machine makes it extra fun to save coins!
- Prizes for deposits: With every deposit your child makes, they can choose a prize from our real treasure chest!
- Gold Coins too! Adventurers can choose between a $1 deposit to their account, a $1 gold coin, or a Treasure Chest prize when they do any of the following:
- Visit us on their birthday (anytime that month counts)
- Bring their school report card (up to 4 times a year).
- Collect 10 stamps on their Treasure Trove Deposit Card.
Let’s start this savings adventure together at Tri-CU – where your child’s future shines bright with every deposit!
*Annual Percentage Yield. Stated annual percentage yield as of the last dividend declaration date.
Grow Your Savings with Tri-CU Term CDs! (Certificates of Deposit)
Ready to lock in your savings and watch them grow? Our CDs are the perfect way to secure your financial future with guaranteed returns. With a range of terms and competitive rates, we’ve got options to fit your goals. Here’s what you need to know:
Why Choose a CD?
- Secure Growth: Lock in your rate and enjoy steady earnings with no surprises.
- Flexible Terms: Pick the term that matches your timeline, from 6 to 60 months.
- Compounded Monthly: Your dividends grow faster with monthly compounding.
- Peace of Mind: Federally insured up to $250,000 by NCUA.
Money Market Accounts
Looking for a smarter way to grow your savings while keeping it accessible? Boost Your Savings with Tri-CU Money Market Accounts, helping you earn more with flexibility and peace of mind. Whether you’re saving for a big goal or building a safety net, we’ve got you covered!
Why Choose a Money Market Account?
- Earn More, Your Way: Enjoy higher dividends as your balance grows – no strings attached!
- Easy Access: Keep your funds flexible with options to withdraw or transfer when you need to.
- Secure Savings: Rest easy knowing your money is federally insured up to $250,000 by NCUA.
- Start Small, Grow Big: Begin with a $2,500 minimum balance and watch your savings thrive.
Join Tri-CU today and let your money work harder with a Money Market Account that fits your life!
*Annual Percentage Yield. Stated annual percentage yield as of the last dividend declaration date.
IRA Retirement Accounts
Ready to secure your retirement with confidence? Plan for Your Future with Tri-CU Traditional IRA Savings Accounts! Our Retirement Accounts are designed to help you save for the golden years with ease and peace of mind. Whether you’re just starting out or nearing retirement, we’re here to support your journey!
Why Choose an IRA Savings Account?
- IRA CDs: You can also invest your IRA savings into our 1-Year or 2-year term certificates.
- Personalized Support: Our team is here to guide you through the process and answer your questions.
- Steady Earnings: Earn competitive dividends on your balance, with no surprises.
Take the first step toward a worry-free retirement with Tri-CU – let’s build your future together!
*Annual Percentage Yield. Stated annual percentage yield as of the last dividend declaration date.
Health Savings Accounts
At Tri-CU, we’re excited to help you save smart for your healthcare needs with our Health Savings Accounts (HSAs)! Perfect for those with a high-deductible health plan, this account puts you in control of your medical expenses while offering tax advantages. Let’s make your health and wealth a priority together!
Your HSA Details
- Tax-Deferred Savings: A special account to cover qualified medical expenses, with tax benefits to stretch your dollars further.
- Flexible Access: Use your funds for current needs or save for future healthcare costs – it’s yours to keep!
- Grow Your Savings: Earn dividends on your balance, with no expiration on your funds.
- Peace of Mind: Federally insured up to $250,000 by NCUA, ensuring your health savings are secure.
HSA Details and Disclaimer:
HSAs are great tools for many, but there’s a catch: You can only open an HSA if you are enrolled in a qualifying high deductible health care plan (HDHP). Having an HDHP means that you need to pay a larger amount of out-of-pocket costs before your insurance plan kicks in, but you pay less in monthly premiums during the year. An HDHP could make sense if you or your family are at a point in life where your average yearly medical expenses are manageable. If you already have a HDHP through your employer, you could use an HSA to start saving for your medical expenses right away.
CONTACT TRI-CU FOR MORE INFORMATION, AND TO SEE IF YOU MAY QUALIFY.
This information is not intended and should not be construed as legal, investment or tax advice. Please consult your attorney, tax advisor or other appropriate professional for such advice, including advice regarding the deductibility of contributions and advice on how this information applies to your individual circumstances. Tri-CU Credit Union cannot and does not guarantee the accuracy or completeness of this information or the applicability of it to your individual circumstances and does not bear any liability as a result of your reliance on this information
Start building your health savings journey today with Tri-CU – we’re here to support you every step of the way!
*Annual Percentage Yield. Stated annual percentage yield as of the last dividend declaration date.
Phone: 1.800.873.3354 Email: info@Tri-CU.com
3213 W. 19th Ave, Kennewick, WA 99337
Weekdays 9:00 am – 6:00 pm