Tyndall Federal Credit Union operates as a member-owned financial cooperative — it is centered on serving its members, rather than any third-party stockholders. Through lower loan rates, lower fees, and higher deposit rates, the credit union directs profits back to the members themselves.

At Tyndall, we offer a wide variety of products and services to help meet your everyday banking needs.

Take a look for yourself. From savings and checking accounts to Certificates and IRAs, our up-to-date account rates are conveniently available online.

Smart Checking1 Effective Date: 2021-03-01
TypeMinimum to Open and Earn APYDividend RateAPY
Base Rate¹$250.00%0.00%
Smart Rate 1²$252.00%2.02%
Smart Rate 2³$251.00%Will range from 2.02% to 1.51%
Cap Rate*$250.05%Will range from 1.51% to 0.78%
Qualifying conditions met:
Smart Rate 1** - Balances from $00.00 to $25,000.00
Smart Rate 2** - Balances from $25,000.01 to $50,000.00
**assumed maximum balance of $100,000 for the purpose of disclosure only

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. Base Rate applies when qualifying conditions are not met or when member has 0-40 debit card transactions for the month.
    2) Smart Rate 1 APY paid monthly on daily balances up to $25,000.00 when members meet qualifying conditions and have 41 or more debit card transactions for the month.
    3) Smart Rate 2 APY paid monthly on daily balances from $25,000.01 to $50,000.00 when members meet qualifying conditions and have 41 or more debit card transactions for the month.
    * Cap Rate APY paid monthly on balance above $50,000.00 when qualifying conditions are met and have 41 or more debit card transactions for the month. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Classic Checking1 Effective Date: 2021-11-01
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($25.00 & Above)$250.00%0.00%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. Minimum opening deposit is $25; no minimum balance requirement.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Regular Share1 Effective Date: 2021-11-01
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($999.99 or Below)$50.01%0.01%
($1,000.00-$24,999.99)$50.01%0.01%
($25,000.00-$49,999.99)$50.01%0.01%
($50,000.00 and Above)$50.01%0.01%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Money Market1 Effective Date: 2021-11-17
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($999.99 or Below)$1,0000.00%0.00%
($1,000.00 - $9,999.99)$1,0000.10%0.10%
($10,000.00 - $24,999.99)$1,0000.10%0.10%
($25,000.00 - $49,999.99)$1,0000.10%0.10%
($50,000.00 & Above)$1,0000.10%0.10%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Club Account1 Effective Date: 2021-11-01
Deposit AmountMinimum to Open and Earn APYDividend RateAPY²
($999.99 or Below)$50.01%0.01%
($1,000.00-$24,999.99)$50.01%0.01%
($25,000.00-$49,999.99)$50.01%0.01%
($50,000 and Above)$50.01%0.01%

    1) APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


Certificates1 Effective Date: 2021-11-17
TermMinimum to Open and Earn APYDividend RateAPY2
12-Month$1,0000.25%0.25%
24-Month$1,0000.35%0.35%
36-Month$1,0000.45%0.45%
48-Month$1,0000.75%0.75%
60-Month$1,0000.60%0.60%

    1) For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
    2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


IRA Contributory1 Effective Date: 2021-11-01
Minimum to Open and Earn APYDividend RateAPY¹
$501.49%1.50%

    1) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.


IRA Certificates1 Effective Date: 2021-11-17
TermMinimum to Open and Earn APYDividend RateAPY²
12-Month$1,0000.40%0.40%
24-Month$1,0000.50%0.50%
36-Month$1,0000.60%0.60%
48-Month$1,0000.65%0.65%
60-Month$1,0000.70%0.70%