About TIAA Direct

TIAA-CREF is short for Teachers Insurance and Annuity Association – College Retirement Equities Fund is a leading retirement provider for people who work in the academic, research, medical and cultural fields. TIAA Direct is a division of TIAA-CREF Trust Co, FSB. Deposits up to $250,000 at TIAA-CREF Trust Company, FSB are insured by the FDIC (member since 1998).
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Message From the Business

Currently not accepting new applications for all deposit accounts.

Overall Rating

MyBankTracker Grade

A
Customer Rating
Based on 23 Reviews
Financial Health
Based on Texas Ratio: 0
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Customer Reviews

Most Helpful Customer Reviews

jason's Profile Image

Reviewed by jason

Feb 22nd 2012

4 out of 5 marks

Best rate out there

I ended up making three calls to their customer service to get everything I wanted.

1. I completed the application over the phone due to a bug on their application form

2. I was locked out of my account (most likely my password was reset)

3. I wanted remote deposit on my iPhone

They have the best rates available as of today (2/22/2012). I'm in the process of transferring my other savings accounts (0.80% APY and 0.70% APY).

So far the online experience is clean and simple. I'll update this review when I've finished my transfers.

Is this review helpful? ▲ Yes 2 ▼ No 0

Keenan's Profile Image

Reviewed by Keenan

Mar 19th 2014

2 out of 5 marks

Terrible

This bank advertises great interest rates for money markets but it's not worth the trouble. I can't even make deposits to my own bank because every time I try to log in to mobile banking it says my password is reset. I've spent an hour on the phone with customer service and I received FOUR emails saying that my password has been reset. They were unable to resolve the issue. I actually ended the conversation letting them know that I'd be withdrawing my money and literally taking my money to the bank...elsewhere.

Is this review helpful? ▲ Yes 2 ▼ No 0

bankuser12's Profile Image

Reviewed by bankuser12

Aug 14th 2013

1 out of 5 marks

Don't be fooled by the rates, they'll get you back with fees and bad service

My account was assessed a fee. The customer service agent did not even know where any documentation of the fee was buried, but still refused to waive the fee as a one-time courtesy. They clearly do not value their customers and are more interested in assessing fees. They also bait and switch with their interest rates.

Is this review helpful? ▲ Yes 2 ▼ No 0

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Interest Checking

0.05%

$0

$25

Interest Checking

0.10%

$1,500

$25

Interest Checking

0.15%

$25,000

$25

NAME RATE POINTS FEES
30 Year Fixed

4.03%

1

N/A

15 Year Fixed

3.25%

1

N/A

NAME RATE POINTS FEES
7/1 ARM

3.063%

1

N/A

5/1 ARM

2.688%

1

N/A

3/1 ARM

2.25%

1

N/A

TERM RATE (APY) Min Deposit
6 Month CD

0.60%

$1,000

12 Month CD

0.90%

$1,000

24 Month CD

1.15%

$1,000

Banking Fees

Type Fee National average
Monthly Inactivity

$2

After 12 months of no activity

$7

Non-Sufficient Fund (Overdraft)

$25

$30

Stop Payment item

$25

$27

Return Deposit

$10

$14

Domestic Wire Transfer (Outbound)

$20

$22

Domestic Wire Transfer (Inbound)

$0

$9

Non-Bank ATM

$0

20,000 ATMs in the Moneypass and Sum / Intercept networks

$1