Savings Accounts

Savings party


Membership Savings

With the one-time membership fee of $10 and a minimum balance of $5, a savings account establishes your membership with TBA Credit Union and allows access to additional products and services.


Don’t have a membership with us? Become a member today!


Debit Card Round Up

TBACU is excited to offer members a great way to save! Our Debit Card Round Up Program rounds up each debit card transaction to the nearest dollar, and transfers that change into your savings account.

For example, if you make transactions for $4.50, $10.90, and $6.30 using your TBACU Debit Card, at the end of the day you would see one Debit Card Round Up credit for $1.30 deposited into your savings account. Yet another great way TBACU can help you save money!

Start Saving Today!
Log into your online banking account on your desktop. On the sidebar click on Debit Card Roundup under Your Offers. You can also sign up using our iOS mobile app, under the More section. Coming soon to the Android app.

Need help? Call or text our Service Center team at 231.946.7090 or schedule an appointment to learn more.

Money Market Account

Make the most of your money with higher earnings. With a Money Market Account, the more money you save, the more you earn. This account is free when the daily minimum balance of $2,500 is maintained.2

It’s not just the higher earning rates. Check out the other benefits you will enjoy:

View Rates

Club Accounts

Looking for an easy, systematic way to save for the holidays or your next family vacation?  Look no further.  TBA Credit Union offers several alternatives that make saving money for a sizable expense convenient and manageable. Dividends are accrued daily and paid annually for the Club Savings Accounts below.

  • Christmas Club- It’s never too early to start saving up for holiday expenses. Set up an automatic transfer to help alleviate stress during the holiday season. The balance of the account is transferred to your savings account on October 31st automatically.
  • Summer Savings- A Summer Savings Account can help cover those last minute weekend trips or even unexpected expenses during the summer months.
  • Vacation Club- If you have plans to escape to somewhere warm during the winter months, start saving with a Vacation Savings Account today.

Sub-Share Accounts

Have you heard of the envelope system? Your sub-share accounts could act as electronic envelopes! Members can open up to nine sub-share accounts. Transfer funds easily and customize them with nicknames all through ItsMe247 Online Banking and the Mobile App.

Open an Account with It’s Me 247 Online Banking:

  1. Log into It’s Me 247 Online Banking.
  2. Click New Accounts on the top menu bar.
  3. Click Share Rate Board.
  4. Click on Sub Shares.
  5. Click Open Now.
  6. Enter the amount you would like deposited into the account.
  7. Choose which of your current accounts you would like to withdraw the deposit from.
  8. Click Continue.
  9. Review your information. If correct, click Open Account.

Open an Account with the TBACU Mobile App:

  1. Log in to the mobile app.
  2. Tap Open a New Account.
  3. Tap Sub Shares.
  4. Tap Open Now.
  5. Enter the amount you would like deposited into the account.
  6.  Choose which of your current accounts you would like to withdraw the deposit from.
  7. Tap Continue.
  8. Review your information, if correct, tap Open Account.


Savings Rates

Check Rates     |      Fee Schedule


1A $1 fee will be charged for use of ATMs outside the CO-OP ATM Network. 2If the account falls below the daily minimum balance of $2,500, there will be a $6 service fee for that month.