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Table data for Individual Accounts
 Rates effective 12-01-2022
Dividend Rate Annual Percentage Yield (APY) Minimum Balance Dividend Compound Alert Me
Accumulation IRA 0.30% 0.30% $25.00 Monthly
Christmas Club 0.10% 0.10% $0.00 Quarterly
Health Savings 0.75% 0.75% $25.00 Monthly
High-Yield Checking 1.98% 2.00% $500.00 Monthly
Jump Start Savings 2.97% 3.00% $5.00 Quarterly
Regular Savings 0.15% 0.15% $5.00 Quarterly
U-Name-It / Member Special 0.10% 0.10% $0.00 Quarterly
Vacation Savings 0.10% 0.10% $0.00 Quarterly
APY = Annual Percentage Yield
Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
ACCUMULATION IRA: Some restrictions may apply. All rates and offerings subject to change. This content is intended to provide general information and shouldn't be considered legal, tax, or financial advice. Consult a tax or financial advisor for specific information on how certain laws apply to your situation. Ask for details. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate.
CHRISTMAS CLUB SAVINGS: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. Ask for details. Fees may reduce earnings. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union.
HEALTH SAVINGS: Consult with your tax advisor to determine your specific tax situation. Certificate withdrawal restrictions apply. Additional terms and conditions may apply. Must be age 18 or older to apply. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. All rates and offerings are subject to change. There is a charge for non-club checks. Fees may reduce earnings.

HIGH-YIELD CHECKING: Some restrictions may apply. Fees may reduce earnings. Ask for details. High-Yield Checking is a tiered-rate account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. Rate subject to change. APY = Annual Percentage Yield. PREMIUM RATE of 2.00% APY is earned on balances between $500.00 and $10,000.00 when the following monthly qualifications are posted and settled within the monthly qualification cycle: • Make 15 debit card transactions • Log in to online/mobile banking at least once • Receive eStatements • Have direct deposit NON-PREMIUM RATE of 0.00% APY is earned on balances of $499.99 or less. On balances over $10,000.00, 0.15% APY is earned or when premium qualifications are not met. When the account is closed, 0.15% APY applies for the month the account is closed.
JUMP START SAVINGS: Jump Start Savings is a tiered-rate account for minors under 18 years of age. Must have a parent or legal guardian on the account. Fees may reduce earnings. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. APY = Annual Percentage Yield. Rate effective December 2022 and subject to change. PREMIUM RATE of 3.00% APY is earned on balances between $5.00 and $500.00. A minimum balance of $5.00 is required to earn the premium APY. NON-PREMIUM RATE of 0.15% APY minimum is earned on balances of $500.01 or more. When the account is closed, 0.15% APY applies for the month the account is closed. Some restrictions may apply. Ask for details.
REGULAR SAVINGS: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. Ask for details.
U-NAME-IT / MEMBER SPECIAL: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions may apply. Ask for details. Ask for details. Fees may reduce earnings. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union.
VACATION SAVINGS: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. Ask for details. Fees may reduce earnings. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union.

Table data for Certificate Account Specials
 Rates effective 12-01-2022
Term Dividend Rate Annual Percentage Yield (APY) Minimum Balance Dividend Compound Alert Me
12 Months 3.93% 4.00% $25,000.00 Monthly
18 Months 4.17% 4.25% $25,000.00 Monthly

Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details. *APY = Annual Percentage Yield. Limited time rate special. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Talk to a financial advisor regarding individual scenarios. Ask for details. Any certificate account with an initial minimum of $100,000 may add 0.10 to the dividend rate above.

Table data for CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
 Rates effective 12-01-2022
Term Dividend Rate Annual
Percentage
Yield (APY)
Minimum Balance Dividend Compound Alert Me
6 Months 0.60% 0.60% $2,500.00 Monthly Receive a notification when this rate changes
12 Months 1.05% 1.05% $2,500.00 Monthly Receive a notification when this rate changes
18 Months 1.09% 1.10% $500.00 Monthly Receive a notification when this rate changes
24 Months 1.24% 1.25% $500.00 Monthly Receive a notification when this rate changes
30 Months 1.29% 1.30% $500.00 Monthly Receive a notification when this rate changes
36 Months 1.49% 1.50% $500.00 Monthly Receive a notification when this rate changes
42 Months 1.54% 1.55% $500.00 Monthly Receive a notification when this rate changes
48 Months 1.59% 1.60% $500.00 Monthly Receive a notification when this rate changes
60 Months 1.74% 1.75% $500.00 Monthly Receive a notification when this rate changes

Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
APY = Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA).
Any certificate account with an initial minimum of $100,000.00 may add 0.10 to the dividend rate above.
Some restrictions may apply. Ask for details. Talk to a financial advisor regarding individual scenarios.

Table data for IRA Certificate Accounts
 Rates effective 12-01-2022
Term Dividend Rate Annual
Percentage
Yield (APY)
Minimum Balance Dividend Compound Alert Me
36 Months 1.74% 1.75% $500.00 Monthly Receive a notification when this rate changes
42 Months 1.79% 1.80% $500.00 Monthly Receive a notification when this rate changes
48 Months 1.83% 1.85% $500.00 Monthly Receive a notification when this rate changes
60 Months 1.98% 2.00% $500.00 Monthly Receive a notification when this rate changes

Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.

Table data for Member-Managed Funds Account
 Rates Effective 12-01-2022
Minimum Balance Dividend Rate Annual Percentage Yield (APY) Dividend Compound Alert Me
$2,500.00 0.25% 0.25% Monthly
$25,000.00 0.30% 0.30% Monthly
$50,000.00 0.40% 0.40% Monthly
$100,000.00 0.45% 0.45% Monthly
$250,000.00 0.50% 0.50% Monthly
$500,000.00 0.60% 0.60% Monthly
$1,000,000.00 0.70% 0.70% Monthly
MEMBER MANAGED ACCOUNT: APY = Annual Percentage Yield. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2,500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. Fees may reduce earnings. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.
Table data for Educational Savings Plan
 Rates effective 12-01-2022
Term Dividend Rate Annual Percentage Yield (APY) Minimum Balance Dividend Compound Alert Me
36 thru 60 months 0.65% 0.65% $0.00 Monthly Receive a notification when this rate changes
61 thru 120 months 1.15% 1.16% $0.00 Monthly Receive a notification when this rate changes
121 months or more 1.40% 1.41% $0.00 Monthly Receive a notification when this rate changes
APY = Annual Percentage Yield. Rates current as of posted rate table. No minimum opening deposit. Must be open for a minimum of three years and pays out on your child’s college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details.
Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.