*Lock in a Great Rate with Our Competitive Share Certificates & IRA Money Market Specials!
Reach your savings goals with promotional rates on our Super Money Market accounts and Share Certificates. Compare the options below to find the choice that aligns with your financial goals.
Jumbo Share Certificates
Looking to earn more on a larger deposit? Our Jumbo Share Certificate offers a competitive rate with a higher minimum opening deposit. It's an excellent opportunity to maximize your earnings while enjoying the security and guaranteed return of a share certificate.
| Month Term | Rate (APY)* | Minimum Opening Deposit |
|---|---|---|
| 11 Month | 4.60% | $200,000+ |
(Funds deposited into Jumbo Share Certificate must be new money. New money is defined as funds not currently on deposit with Transcend Credit Union and not withdrawn from any Transcend Credit Union account within the 30 days preceding the certificate opening date.)
We offer other Promotional Certificate options that can boost your earnings even more! Contact us at (502) 454-9241 or marketing@transcendcu.com or fill out the form below for more information and rates.
Whether you're saving for a major purchase, building your emergency fund, or simply looking to make your money work harder, our Jumbo Certificate Special can help you reach your financial goals with confidence.
The Transcend Promo IRA Super Money Market
Save for retirement while earning a promotional rate on your balance. A Promo IRA Super Money Market offers tax-deferred growth, making it a great option for members planning for the future.
The Transcend Promo Roth IRA Super Money Market
Earn a promotional rate while building retirement savings that can be withdrawn tax-free in retirement if IRS requirements are met. A Promo Roth IRA Super Money Market account is a great choice for members who want to invest in their future with after-tax contributions.
Current Promo IRA & Roth IRA Super Money Market Rates
| Minimum Average Daily Balance | Rate (APY*) |
|---|---|
| $0-$24,999.99 | 2.50% |
| $25,000-$49,999.99 | 4.00% |
| $50,000+ |
4.50%1
|
(Funds deposited into the Promo IRA or Roth IRA Super Money Market accounts must be new money. New money is defined as funds not currently on deposit with Transcend Credit Union and not withdrawn from any Transcend Credit Union account within the 30 days preceding the certificate opening date.)
Lock in your savings today by opening a Promo IRA or Roth IRA Super Money Market account.
Opening a Money Market Account or a Share Certificate is simple!
Fill out the form below and a Transcend representative will contact you!
You can also visit your nearest Transcend branch or contact us using the link below to learn more about eligibility, minimum opening requirements, and how to take advantage of this limited-time offer.
*APY = Annual Percentage Yield. APY effective 8/1/2026. APYs for Share Certificate Accounts, including the Jumbo Share Certificates, are fixed at account opening and remain in effect until maturity. All terms and conditions are subject to change without notice.
Jumbo Share Certificates: Minimum opening deposit $200,000. Minimum balance of $200,000 is required to earn the disclosed APY. Funds deposited must be new money. New money is defined as funds not currently on deposit with Transcend Credit Union and not withdrawn from any Transcend Credit Union account within the 30 days preceding the certificate opening date. This share certificate is subject to an early withdrawal penalty. Fees may reduce earnings. At maturity, the certificate will close and funds will be transferred to the member's Regular Savings Account. The Regular Savings Account will earn the APY in effect for that account at the time of transfer.
Promo IRA and Promo Roth IRA Super Money Market Account: *APY = Annual Percentage Yield. APY effective 8/1/2026. This is a variable rate account. Minimum deposit of $50,000 required to open this account.
1A minimum average daily balance of $50,000 must be maintained to earn the 4.50% APY. Balances below $50,000 earn dividends at the following tiered APYs effective 8/1/2026: 2.50% APY for balances of $0–$24,999.99; 4.00% APY for balances of $25,000–$49,999.99; and 4.50% APY for balances of $50,000 or more.
APYs for each dividend tier in effect on 8/1/2026 are guaranteed through 3/31/2027. APY may vary if your account balance increases or decreases and moves between disclosed dividend tiers. Beginning 4/1/2027, APYs will be based on the dividend tier rates in effect at that time. Withdrawals are limited to a minimum of $250 each.
Dividends are calculated using a tiered dividend rate based on the average daily balance. The average daily balance for the month will earn the stated dividend rate for the applicable account balance tier. Rates are subject to change monthly beginning 4/1/2027.
Six free withdrawals per month. A $5.00 fee applies to each additional withdrawal. No monthly maintenance fees. For fees related to the routine use of this account, please refer to the Credit Union Fee Schedule.
Rates and offers are subject to change or termination without notice. Membership eligibility required. Federally Insured by NCUA