Time to Earn More
3% Annual Percentage Yield on deposits up to $20,000*
- Contact Us
- 800-872-6358
- Routing # 291378871
Put your savings to work for you with some of Town & Country's best interest rates. Compare a CD Account vs. a Money Market to find the right fit to boost your financial goals fast.
Make the most of your short-term deposits with a Town & Country Credit Union Money Market Account. Rates on our money market accounts are some of the best in the Minot and Fargo areas!
Plus, you don’t have to worry about depleting your balance with monthly service charges or minimum balances fees. You can also get paid up to two days early when you connect eligible direct deposit transactions to your account with Early Pay.
On top of that, it doesn't take a lot of cash to qualify for an account. At many financial institutions, a money market account typical minimum balance is at least $2,500, but at Town & Country Credit Union you can start earning dividends with just $1,000.
Town & Country offers higher APYs compared to money market account typical interest rates nationwide. Plus, the dividends you earn are built on tiers. The higher the account balance, the higher the interest rate. The more you save, the more you earn!
Want to lock in your savings rate until you’re ready to use your funds? Open a Town & Country CD and earn a higher dividend compared to a traditional savings account or money market account.
We also offer a bump-up feature so you don’t miss out on our best credit union certificate of deposit rates! When you purchase a CD with a term of 36 months or greater, you can “bump up” to the current rate at any time during the term of the CD after the first year.
Looking for a way to save as a young adult or for your child? Consider our Growth Builder 12-Month CD, which comes with a shorter maturity date and no fee for early withdrawals . Make additional deposits of any amount at any time.
Both options help your savings grow, but the right choice depends on whether you want flexible access to your funds or a locked-in rate for guaranteed returns.
We offer Certificates of Deposit (CDs) in Fargo, Kenmare, Minot, Stanley, West Fargo, Moorhead and more.
| Account Type | Average Daily Balance | Annual Percentage Yield* |
|---|---|---|
| Money Market Account | $1,000+ | 1.00% |
| Premium Money Market Account | $25,000 - $99,999.99 | 1.15% |
| Premium Money Market Account | $100,000-$249,999.99 | 1.40% |
| Premium Money Market Account | $250,000+ | 1.50% |
| Nonprofit Money Market Account | $0.00+ | 1.50% |
*APY = Annual Percentage Yield. Money Market dividends accrue daily and are paid monthly based on the average daily balance of the account. Rates are subject to change without notice. Terms, conditions and restrictions may apply.
| Account Type | Annual Percentage Yield* |
|---|---|
| 60 Month CD | 3.51% |
| 48 Month CD | 3.51% |
| 36 Month CD | 4.00% |
| 24 Month CD | 4.25% |
| 12 Month CD | 3.75% |
| 12 Month Growth Builder CD** | 3.75% |
| 9 Month CD*** | 4.00% |
| 6 Month CD | 3.55% |
*APY = Annual Percentage Yield. Interest compounded and paid monthly on average daily balance. $500 minimum. Penalty for early withdrawal. All 36, 48, and 60 month terms allow for one “step up” during the term after 12 months. 6, 12, 24, 36, 48 and 60-month CDs will auto-renew at the current rate with a 10 day grace period. Terms and conditions apply. Insured by NCUA.
**Growth Builder CD has a minimum to open of $200 for kids and young adults ages 0-23.
***$500 minimum to open. Rate accurate as of 10/1/2026. A penalty fee is charged for early withdrawal. Rate bumps are not available with this offer. Automatically renews at maturity to a 12-month CD at the current rate, with a ten-calendar day grace period. Insured by NCUA.
Contact us to request a copy of our current CD Rate & Charge Schedule.
The best part about being a member is the friendships that we’ve built with those people who work at Town & Country Credit Union. They’re always there to do the best that they can do to help you out – to get you in a better situation and help you out with everything they can.Shane | Member Since 1998
