The smarter way to save.

Whether you are saving for a house, building an emergency fund, or planning for retirement, your tomorrow is worth saving for, and we want to help you get there on your terms. Teachers offers Certificates with competitive interest rates and flexible terms to help make the most of your savings.

9-Month Certificate

  • Earn 3.75% APY*
  • $1,000 minimum deposit required
Get Started

12-Month Certificate

  • Earn 4.00% APY*
  • $1,000 minimum deposit required
Get Started

Why Choose Teachers?

Teachers Federal Credit Union prioritizes its members' financial well-being by offering better rates, lower fees, and outstanding service.

  • Member-owned: We are a member-owned not-for-profit. That means our members come first -- always.
  • Lower Rates, Higher Yields: Enjoy competitive loan rates and higher returns on deposits, designed to maximize your financial growth.
  • Lower Fees: Benefit from lower fees on many accounts and services to help you keep more of your hard-earned money.
  • Help When You Need It: Connect with our support team through online chat, phone, or in person at our branches.

Ready to Get Started? Meet with a Teachers financial expert.

Disclosures

*APY=Annual Percentage Yield. APY accurate as of 09/23/26. All rates and terms are subject to change without notice. A penalty might be imposed for early withdrawals. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Fees could also reduce earnings. $1,000.00 minimum balance to earn APY and to open an account. Restrictions may apply. Certificates automatically renew at maturity for the same term as the original term. Rates are determined by your account's primary address and zip code. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account.

Federally insured by NCUA.