DON'T MISS the 4.50% CD with 1-TIME PENALTY FREE withdrawal

August 2023 eNews

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What is a No-Penalty Certificate of Deposit?

A No-Penalty Certificate of Deposit doesn't charge a withdrawal penalty for money taken out before the CD term expires. This provides flexibility and convenience for those looking for short-term investments in a secure way. Like traditional CDs, No-Penalty CDs are fixed-rate accounts over a specified time period.

How does a No-Penalty Certificate of Deposit work?

A No-Penalty Certificate of Deposit functions just like a regular CD, with the main difference being that there is no Early Withdrawal Penalty. Toro Credit Union is currently offering a 4.50% APY* Certificate of Deposit with a ONE-TIME PENALTY FREE withdrawal if you need to withdraw funds once during the six-month term. The greatest benefit of No-Penalty CDs is not having to worry about fees when or if you need to withdraw funds from your account during the term.

How do I invest in a No-Penalty Certificate of Deposit?

Login to It'sME247 Online Banking
Click "New Accounts"
Click "See Available Certificates"
Click "Purchase Online" on the same line as the type of certificate you wish to purchase.

Certificate of Deposit

New Deposit Rates

Shared Branch

With CO-OP Shared Branching you can access your Toro Credit Union accounts nationwide at affiliated credit union branches in over 5,600 locations around the country FREE of charge.

Deposit cash
Withdraw cash – limits vary by location
Transfer between accounts
Deposit checks
Purchase official checks and money orders

Locating a CO-OP SHARED BRANCH is simple:

Visit Co-opsharedbranch.org
Call 1-888-748-3266
Download the FREE App

Questions

Personal Credit Cards - Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, we have the ideal card for you!

Business Credit Cards - Choose from our popular business credit card options, such as low rate, cash back, or flexible rewards, to find the one that works best for your business.

Credit Cards

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Get your youth started on the right financial track by opening an account today! Visit with a member of our staff if you need help determining what type of account your youth is ready for.

College Bound

The Mobile Banking, Online Banking, and the CO-OP Shared Branch programs allow your student to take the credit union to college with them and access credit union accounts just as if they're at the branch.

Questions

Student Loans

How to Recognize and Report Spam Text Messages

If you have a cell phone, you probably use it dozens of times a day to text people you know. But have you ever gotten a text message from an unknown sender? It could be a scammer trying to steal your personal and financial information. Read the full article from the Federal Trade Commission Consumer Advice to learn how to handle and report unwanted text messages.