Current rates
HSAs—IRAs
All dividend rates and annual percentage yields (APY) are current as of today’s date.
Health Savings Account1
HSA - rate and APY for existing accounts: product not offered as a new account effective 7/1/24
Balance requirement | Dividend rate3 (%) | APY3 (%) |
| $0.00 - $999.99 | 0.20 | 0.20 |
| $1,000.00 - $4,999.99 | 0.30 | 0.30 |
| $5,000.00 - $14,999.99 | 0.40 | 0.40 |
| $15,000.00 and up | 0.50 | 0.50 |
IRA Savings and Certificate rates1
IRA Savings - rate and APY for existing accounts: product not offered as a new account effective 7/1/24
Balance requirement | Dividend rate3 (%) | APY3 (%) |
| $25.00 - $9,999.99 | 0.30 | 0.30 |
| $10,000.00 - $24,999.99 | 0.40 | 0.40 |
| $25,000.00 - $99,999.99 | 0.50 | 0.50 |
| $100,000.00 and up | 0.90 | 0.90 |
IRA Certificates2
Term | Dividend rate (%) | APY (%) |
| 6 month* | 3.92 | 4.00 |
| 12 month | 2.96 | 3.00 |
| 18 month* | 2.76 | 2.80 |
| 24 month* | 2.76 | 2.80 |
| 30 month* | 2.76 | 2.80 |
| 36 month* | 2.76 | 2.80 |
| 48 month | 2.76 | 2.80 |
| 60 month* | 2.76 | 2.80 |
*Rate and APY for existing accounts: product not offered as a new account effective 7/1/24
This page was last updated on December 2, 2024.
1 The TFCU Membership, TFCU Business Membership or Emergency Savings Share account is a requirement for membership in Thrivent Credit Union. To maintain membership a par value of one share ($1.00) must be kept in the account at all times. If you fall below the par value you have six months to increase the balance or your membership may be terminated.
2 A minimum balance of $1,000.00 for 6, 12, 18, 24, 30, 36, 48 and 60 month terms is required to earn the disclosed annual percentage yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
3 The dividend rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.
2 A minimum balance of $1,000.00 for 6, 12, 18, 24, 30, 36, 48 and 60 month terms is required to earn the disclosed annual percentage yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
3 The dividend rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.