Certificates

A certificate account guarantees an exact return on investment for a specified term as a result of fixed dividend rates. Choose from 6 to 60-month term share certificates with great rates, depending on your investment strategy. The Credit Union certificate accounts are federally insured by NCUA so your money is invested securely.

Rates

CERTIFICATE ACCOUNTS
EFFECTIVE 02-21-2017

30 and 36 Months

1.05%APY

30 and 36 Months

Rate: 1.04% APY

$500 Minimum

42 and 48 Months

1.40%APY

42 and 48 Months

Rate: 1.39% APY

$500 Minimum

APY = Annual Percentage Yield

Early withdrawal penalties may apply. 
Call (865) 544-5400 or visit any branch.

Certificate Specials

Certificate Specials
EFFECTIVE 02-21-2017

18 Months*

1.00%APY

18 Months

RATE: 1.00% 

$10,000 Minimum

60 Months

2.00%APY

60 Months

RATE: 1.98% 

$10,000 Minimum

APY = Annual Percentage Yield

APR = Annual Percentage Rate

*18 Month Special: To qualify for this special, Member must have one of the following: new/existing direct deposit, new/existing credit card, or new/existing HELOC.

Early withdrawal penalties may apply. 
Call (865) 544-5400 or visit any branch.

Certificate Options

Certificate Accounts with Maturities of Six (6) Months and Twelve (12) Months: Accounts earn from the date of deposit to the maturity date. The minimum deposit is $2,500.*

Certificate Accounts with Maturities of Eighteen (18) Months or More: Accounts earn from the date of deposit to the maturity date. The minimum deposit is $500.*

Certificate Accounts 6-60 months: the amount for early withdrawal penalty is based on the term of the account. The penalty schedule is as follows:

  • Term 6-12 months - 90 days dividends
  • Term 18-60 months - 180 days dividends

*Annual Percentage Yield. The dividend rate is based on current market rates. The offering rate changes weekly, but once purchased remains constant for the term of the certificate account at purchased rate. Dividends shall be calculated on a 365-day basis from the date of deposit or the date of last earnings and shall compound monthly at the annual rate shown on the Certificate Account Receipt, or payee(s) may request to receive the earnings automatically on a monthly basis. Dividends can be added back to your account, transferred to another Credit Union account, or mailed directly to you each month.