Skip to main content

TCCU Online

Money Market Accounts and CDs

Safe and steady growth for your savings.

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.  

Money Market

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.

Money Market Account Features:

  • Earn a dividend on balances over $1,000
  • No monthly service fee
  • No minimum balance fee

Premium Money Market Account Features

  • Earn a dividend on balances over $25,000
  • No monthly service fee
  • No minimum balance fee

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!

Open a Money Market Account Today!


Certificate of Deposit (CD)

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.

Regular CD Features:

  • Minimum balance to open an account: $500
  • Term range: 6 months to 5 years
  • Bump-up rate: Available for terms of 36 months or more

A CD Designed for Kids and Young Adults

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.

Growth Builder 12-Month CD Features

  • Minimum balance to open an account: $200
  • Age range: 0 to 23
  • Term range: 12 months

Open a CD Today!

Compare Money Market Accounts vs. CDs

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.

Money Market Accounts:

  • Earn dividends with just $1,000
  • Tiered rates let you earn more as your balance grows
  • Access your cash when you need it

Certificates of Deposit:

  • Open a CD with just $500
  • Lock in rates for up to five years
  • Withdraw funds fee-free when the CD matures

We offer Certificates of Deposit (CDs) in Fargo, Kenmare, Minot, Stanley, West Fargo, Moorhead and more.

There to help you out.

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
Watch Full Testimonial

How Else Can We Assist You?