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Trust & Will

Trust & Will

A good will or trust means your loved ones will be cared for after you’re no longer able. It gives instructions on how you want your assets handled, designates caregivers for your dependents, makes the legal process easier for your loved ones, and more. Your KTVAECU® Membership comes with a discount on estate planning services through Trust & Will 1 ! Wills start at $159.00, and trusts start at $399.20.

With Trust & Will:

  • Securely create your estate plan with options available in all 50 states
  • Get legally binding, customizable documents created by lawyers
  • Get best-in-class, top-rated Member support available six days a week
  • Complete your plan in as little as 30 minutes
  • Experience a convenient, easy-to-use online platform

Get Started With Trust & Will

Tennessee Valley Asset Management Partners (TVAMP) is a trusted, local firm dedicated to helping our Members with financial planning and investment management. Rooted in Knoxville and keeping local values at their core, TVAMP puts our Members at the center of all they do. TVAMP can aid with:

  • Managing your investment portfolio
  • Retirement planning and retirement income strategies
  • Organizing & consolidating your financial life
  • Coordinating your estate plan with your attorney
  • Insurance planning
  • Tax planning with your accountant
  • Designing a financial plan

Whether you’re a retiree looking for retirement income or a young professional starting your career, TVAMP can help. As an independent advisor, TVAMP provides advice on every aspect of your financial life without any sales pitches or ulterior motives.

Schedule a 15-minute intro call, and TVAMP advisors will be happy to arrange a meeting with you at your local branch, business, virtually, or their main office located in West Knoxville.

Schedule Your Call

Individual Retirement Accounts (IRAs) 2

While IRAs are similar to 401(K) plans, these accounts are held by you rather than your employer. These accounts are designed to help you save for retirement and offer tax benefits now and in the future. Regardless of your age, any Member with a taxpayer identification number (e.g. a social security number) can open an IRA!

Talk with a financial advisor to learn about IRS guidelines and determine which IRA is best for you.

Traditional IRA:

  • Earn up to a $1,000.00 tax credit
  • Contributions are made with pre-tax dollars
  • No income limits to make contributions
  • Distributions are required at a certain age

Open a traditional IRA

Roth IRA:

  • Earn up to a $1,000.00 tax credit
  • Contributions are made with after-tax dollars
  • There are income limits to make contributions
  • No requirement of distributions at any age

Open a Roth IRA

Certificate Accounts

Certificate Accounts 3
Certificate Accounts are a great way to build your savings. They’re a perfect place to store any money you don’t need to use right now, so you can let it earn dividends and grow over time. Certificate Accounts are also considered low-risk, so you can rest assured your funds stay safe while they grow. These accounts differ from regular savings accounts with:

  • A fixed dividend rate
  • A fixed term length that depends on your needs, ranging from 6 to 60 months
  • A fixed date of withdrawal (maturity date)

Various options are available for Certificate Accounts, so you can choose the term and rate that works best for you!

Open Certificate Account Certificate Account Calculator 

Premium Savings Account 4

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 with Digital Banking or at any branch location!

Educational Savings Account 5

College or trade school costs can feel daunting, especially with tuition rising each year. It doesn’t have to be if you have the tools to start saving now for your child’s future!

An Educational Savings Account is a dividend-earning savings account for use on future education costs. Savings will be paid out on the child’s 18th birthday or their first day of college, whichever comes first, and the account must have remained open for at least three years prior to this date. If you withdraw any funds from an Educational Savings Account before this date, it will result in a penalty and the closing of the account.

You can open an Educational Savings Account over the phone or visit any of our branches!

Branch Locations View Rates

Disclosures

1 Trust & Will is a third-party partner to Knoxville TVA Employees Credit Union. Must be a Member to qualify for discount. Discount is on initial estate planning service and does not apply to every service purchase. Estate service products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. KTVAECU® is not responsible for services offered by Trust & Will. Other restrictions, terms, and conditions may apply.

2 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.

3 APY = Annual Percentage Yield. APY effective as of 06-03-25. 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.

4 APY = Annual Percentage Yield. APY effective as of 06-03-25. 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.

5 APY = Annual Percentage Yield. Rates current as per posted rate schedule. No minimum opening deposit. Must be open for a minimum of three (3) 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.