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Share Rates
Earn 4.25% APY*
on a 6 or 12 Month Term
Certificate Account
$2,500.00 Minimum Deposit
*APY = Annual Percentage Yield. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. 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). Talk to a financial advisor regarding individual scenarios. Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) | Dividend Compound | Alert Me |
|---|---|---|---|---|
| $0.00 | 0.00% | 0.00% | Monthly | Receive a notification when this rate changes |
| $25,000.00 | 1.98% | 2.00% | Monthly | Receive a notification when this rate changes |
| $100,000.00 | 3.45% | 3.50% | Monthly | Receive a notification when this rate changes |
| $250,000.00 | 3.93% | 4.00% | 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. APY effective as of 07-08-25. Some restrictions may apply. Fees may reduce earnings. Ask for details. Premium Savings Account is a tiered-rate account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Minimum opening deposit of $25,000.00 in new money. New money is money not currently on deposit with Knoxville TVA Employees Credit Union. Rate subject to change. PREMIUM RATE of 4.00% APY is earned on balances $250,000.00 or more. NON-PREMIUM RATE of 0.00% APY is earned on balances of $24,999.99 or less. On balances between $25,000.00 and $99,999.99, 2.00% APY is earned. On balances between $100,000.00 and $249,999.99, 3.50% APY is earned. |
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| Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound | Alert Me |
|---|---|---|---|---|---|
| Centsible Savings | 1.00% | 1.00% | $0.00 | Quarterly | Receive a notification when this rate changes |
| Christmas Club | 0.10% | 0.10% | $0.00 | Quarterly | Receive a notification when this rate changes |
| Health Savings | 0.75% | 0.75% | $25.00 | Monthly | Receive a notification when this rate changes |
| Regular Savings | 0.15% | 0.15% | $5.00 | Quarterly | Receive a notification when this rate changes |
| Senior Member Checking Account | 0.15% | 0.15% | $0.00 | Quarterly | Receive a notification when this rate changes |
| U-Name-It / Member Special | 0.15% | 0.15% | $0.00 | Quarterly | Receive a notification when this rate changes |
| Vacation Savings | 0.10% | 0.10% | $0.00 | Quarterly | Receive a notification when this rate changes |
CENTSIBLE SAVINGS: APY = Annual Percentage Yield. Earns dividends. No minimum balance. Allows withdrawals. Available to qualifying Members. Some restrictions may apply. Ask for details. 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: APY = Annual Percentage Yield. 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. Fees may reduce earnings. REGULAR SAVINGS: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. Ask for details. SENIOR MEMBER CHECKING: APY = Annual Percentage Yield. Some restrictions may apply. Qualifying Member must be 55 years or older, and have minimum account balance of $2,000.00 or active direct deposit. Account suffix must be coded in branch or via phone at Member's request. Ask for details. U-NAME-IT / MEMBER SPECIAL: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions may apply. Ask for details. Fees may reduce earnings. Limits on the 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. |
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| Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound |
|---|---|---|---|---|
| High-Yield Checking | 0.00% | 0.00% | $0.00 | None |
| High-Yield Checking | 3.45% | 3.50% | $500.00 | Monthly |
| High-Yield Checking | 0.15% | 0.15% | $10,000.01 | Monthly |
HIGH-YIELD CHECKING: APY = Annual Percentage Yield. APY effective as of 07-08-25. 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. PREMIUM RATE of 3.50% 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. |
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| Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound |
|---|---|---|---|---|
| Jump Start Savings | 2.96% | 3.00% | $5.00 | Quarterly |
| Jump Start Savings | 0.15% | 0.15% | $500.01 | Quarterly |
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. Minimum $5.00 to open a Jump Start Savings Account. 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 July 2025 and subject to change. PREMIUM RATE of 3.00% APY is earned on balances up to $500.00. 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. Fees may reduce earnings. Ask for details. |
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| Term | Dividend Rate | Annual Percentage Yield (APY) |
Minimum Balance | Dividend Compound | Alert Me |
|---|---|---|---|---|---|
| 6 Months | 4.17% | 4.25% | $2,500.00 | Monthly | Receive a notification when this rate changes |
| 12 Months | 4.17% | 4.25% | $2,500.00 | Monthly | Receive a notification when this rate changes |
| 18 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 24 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 30 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 36 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 42 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 48 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 60 Months | 4.17% | 4.25% | $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. Any of these certificates can be designated as an IRA. APY = Annual Percentage Yield. APY effective as of July 2025. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. 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). Talk to a financial advisor regarding individual scenarios. Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details. |
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| Term | Dividend Rate | Annual Percentage Yield (APY) |
Minimum Balance | Dividend Compound | Alert Me |
|---|---|---|---|---|---|
| 36 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 42 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 48 Months | 4.17% | 4.25% | $500.00 | Monthly | Receive a notification when this rate changes |
| 60 Months | 4.17% | 4.25% | $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. 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. APY = Annual Percentage Yield. APY effective as of July 2025. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. 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). Talk to a financial advisor regarding individual scenarios. Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details. APY effective as of July 2025. |
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| Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound |
|---|---|---|---|---|
| Accumulation IRA | 0.30% | 0.30% | $25.00 | Monthly |
| Education IRA | 0.30% | 0.30% | $25.00 | Monthly |
| Roth IRA | 0.30% | 0.30% | $25.00 | Monthly |
| APY = Annual Percentage Yield
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. Penalty for early withdrawal. EDUCATION AND ROTH 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. |
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| Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compounded |
|---|---|---|---|---|
| Business Checking Account | 0.00% | 0.00% | $25.00 | Quarterly |
| Business Checking Account | 0.15% | 0.15% | $2,500.00 | Quarterly |
| Business Savings Account | 0.15% | 0.15% | $5.00 | Quarterly |
| Free Business Checking Account | 0.00% | 0.00% | $0.00 | None |
| Organizational Checking Account | 0.00% | 0.00% | $0.00 | None |
| Preferred Business Checking Account | 0.00% | 0.00% | $250.00 | None |
| Preferred Business Checking Account | 0.10% | 0.10% | $1,500.00 | Quarterly |
| Preferred Business Checking Account | 0.30% | 0.30% | $25,000.00 | Quarterly |
| All links or connections to other websites are solely for information purposes to members and do not constitute an endorsement or recommendation of the site.
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. BUSINESS CHECKING ACCOUNT: Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. BUSINESS SAVINGS ACCOUNT: Must use eStatement for no-fee option. Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. Dividends accrue daily; compound quarterly. $5.00 minimum balance. FREE BUSINESS CHECKING ACCOUNT: Enrollment in eStatements required for Free Business Checking. Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. ORGANIZATIONAL CHECKING ACCOUNT: Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. PREFERRED BUSINESS CHECKING ACCOUNT: No monthly fee on a preferred business checking account if $1,500.00 balance is maintained. If balance is under $1,500.00, then fees may apply. Must use eStatement for no-fee option. Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. Knoxville TVA Employees Credit Union's website is members' source for financial services and information. All links or connections to other websites are solely for information purposes to members and do not constitute an endorsement or recommendation of the site. The Credit Union does not guarantee, endorse and is not liable for any failure of products or services advertised on these sites. |
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| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) | Dividend Compound | Alert Me |
|---|---|---|---|---|
| $2,500.00 | 0.55% | 0.55% | Monthly | Receive a notification when this rate changes |
| $25,000.00 | 0.60% | 0.60% | Monthly | Receive a notification when this rate changes |
| $50,000.00 | 0.70% | 0.70% | Monthly | Receive a notification when this rate changes |
| $100,000.00 | 1.74% | 1.75% | Monthly | Receive a notification when this rate changes |
| $250,000.00 | 1.83% | 1.85% | Monthly | Receive a notification when this rate changes |
| $500,000.00 | 1.98% | 2.00% | Monthly | Receive a notification when this rate changes |
| $1,000,000.00 | 1.98% | 2.00% | Monthly | Receive a notification when this rate changes |
| MEMBER MANAGED ACCOUNT: APY effective as of July 2025. APY = Annual Percentage Yield. APY effective as of 07-08-25. 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. | ||||
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| Term | Dividend Rate | Annual Percentage Yield (APY) | Minimum Monthly Reoccurring Deposit | Dividend Compound | Alert Me |
|---|---|---|---|---|---|
| 12 months | 1.98% | 2.00% | $25.00 | Monthly | Receive a notification when this rate changes |
| 24 months | 2.96% | 3.00% | $25.00 | Monthly | Receive a notification when this rate changes |
| *APY = Annual Percentage Yield. Some restrictions may apply. Term must be decided at the time of account opening and may not be changed over the term of the account. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. **Automatic deposits of at least $25.00 per month are required on balances under $25,000.00. Failure to complete required deposits may result in early withdrawal penalties and closure. ***Additional deposits allowed within the term of the certificate account. No limits required for additional deposits. | |||||
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| Term | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound | Alert Me |
|---|---|---|---|---|---|
| 36 thru 60 months | 3.20% | 3.25% | $0.00 | Monthly | Receive a notification when this rate changes |
| 61 thru 120 months | 3.70% | 3.76% | $0.00 | Monthly | Receive a notification when this rate changes |
| 121 months or more | 3.95% | 4.02% | $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. APY effective as of July 2025.
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. |
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