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Savings Accounts

 

Premium Savings Account 1

The stars are the limit with the Premium Savings Account! Choose which tier is best for you when you deposit at least $25,000.00 in new money!   

  • Earn 4.00% APY on balances $250,000.00 and above.
  • Earn 3.50% APY on balances $100,000.00 - $249,999.99. 
  • Earn 2.00% APY on balances $25,000.00 - $99,999.99.

Open a Premium Savings Account in Online Banking or at any Branch location!

Member Share Account

Member Share Account 2

When you open a Member Share Savings Account, you become a Member of the Credit Union family.  With your first $5.00 Membership share deposit, you gain access to all the benefits of Credit Union membership. 

  • Ticket to Credit Union Membership
  • Comes with a debit card 3
  • Earns dividends quarterly
  • No monthly fee with eStatements 4

Christmas Club Savings Account 5

Prepare for the holiday season by opening a Christmas Club Savings Account! You can save a little every month to help with holiday gifts, travel, and other festivities.

Vacation Savings Account 6

Dreaming of your next vacation destination? It’s never too early to start saving for your next getaway with a Vacation Savings Account.

U-Name-It Savings Account 7

Whether you’re saving for a new car, planning a wedding, or you’re expecting a baby, a U-Name-It Savings Account helps you save for all the milestones in your life.

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Centsible Savings Account 8

Collecting your spare change has never been easier! Each time a purchase is made with your Credit Union debit card, the total will be rounded to the nearest dollar amount. At the end of each day, the difference is transferred from your share or checking account to your Centsible Savings Account!

Member-Managed Funds Account 9

Invest in yourself with a Member-Managed Funds Account. With this tiered money market account, the more you save, the more you earn! And it has a higher dividend rate than your regular savings account.

  • Earns monthly dividends
  • Access to your money anytime

U-NAME-IT
SAVINGS ACCOUNT 7

Whether you’re saving for a new car, planning a wedding, or you’re expecting a baby, a U-Name-It Savings Account helps you save for all the milestones in your life.

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Health Savings Account 10 , 11

Health Savings Accounts (HSA) provide a tax-free method to save and pay for qualified medical expenses incurred by individuals, spouses or dependents who are covered under an HSA qualified High Deductible Health Plan (HDHP). The Credit Union offers three options: savings account with debit card, checking account with debit card or certificate account. Dividends compound monthly.

For more information, visit any Credit Union branch or call (865) 544-5400 or toll free (800) 467-5427.

Looking for a Certificate Account? Find one here!

Disclosures

1 APY = Annual Percentage Yield. APY effective as of 05-31-25. 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 4.50% 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 $100,000.00 and $249,999.99, 4.00% APY is earned. On balances between $25,000.00 and $99,999.99, 2.00% APY is earned.

2 APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. Ask for details.

3 Available to qualifying Members. Some restrictions may apply. Ask for details. The Contactless Symbol is owned by EMVCo, LLC ("EMVCo").

4 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.

5 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.

6 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.

7 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.

8 Earns dividends. No minimum balance. Allows withdrawals. Available to qualifying Members. Some restrictions may apply. Ask for details.

9 APY = Annual Percentage Yield. APY effective as of 05-31-25. 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.

10 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.

11 APY = Annual Percentage Yield. APY effective as of 05-31-25. 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 new money of $10,000.00 may add 0.10% APY to the dividend rate featured above.

12 APY = Annual Percentage Yield. APY effective as of 05-31-25. 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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