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Certificate Accounts1

A Simple Way to Save More

Open A Certificate Account
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Fall into savings
LIMITED-TIME

Certificate Account Rate Special3

5.00% APY

for a 12-month term & $2,500.00 minimum deposit

Open a Certificate Account

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Certificate Accounts

A Certificate Account is a savings account with unique features:

  • Fixed dividend rate
  • Fixed term length, depending on your needs, ranging from 6 to 60 months
  • Fixed date of withdrawal, also called a maturity date

A Certificate Account allows you to grow and save your money at the same time, at a term length that works best for YOU.

View Certificate Rates
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Set It & Forget It Certificate Account2

Earn a bigger dividend – without the large opening deposit!

Set your speed: Get 2.00% APY for 12 months or 3.00% APY for 24 months

  • Automatic monthly deposits of at least $25.00
  • No limits on additional contributions

No matter how much money you’re able to set aside each month, saving is easy. Sit back, relax, and enjoy the ride to big savings!

Open a Set It & Forget It Certificate
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Compare Your Options

Review our Certificate Account terms and details to decide what works best for you.

  • Best For

    Best For

  • Minimum Deposit

    Minimum Deposit

  • Earns Dividends

    Earns Dividends

  • Open Online

    Open Online

Maturities of 6 Months and 12 Months

  • Best For

    Faster returns with larger minimum deposits.

  • Minimum Deposit

    $2,500

  • Earns Dividends

    Yes

  • Open Online

    Yes

Maturities of 18 Months or More

  • Best For

    Slower returns with smaller minimum deposits.

  • Minimum Deposit

    $500

  • Earns Dividends

    Yes

  • Open Online

    Yes

See Your Savings Grow

Enter your deposit amount, rate, and term to estimate your potential certificate earnings and see how choosing the right savings option could help you make more of the money you’ve already set aside.

Estimate Your Earnings
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Certificate Accounts FAQs

Have more questions about Certificate Accounts? Contact us or use the secure chat!

A Certificate Account is a deposit account that usually earns a higher Annual Percentage Yield (APY) than an average savings account. However, unlike a savings account where you can make withdraws, a Certificate Account holds your money for the term you choose.

Certificate Accounts are low risk because they grow at a fixed APY, making saving money easy! Plus, Certificate Accounts are federally insured by the NCUA.

Use our financial calculators to see how a Certificate Account could help you!

Start with your timeline. If you’ll need access soon, choose a shorter term certificate so your funds are available at maturity. If you’re saving for a longer-range goal, multi-year terms may deliver higher yields—provided you’re comfortable leaving the money untouched to avoid penalties.

Use the Certificate Accounts Calculator to find the best fit for you!

Early withdrawals may result in taxes and penalties, depending on your age and IRA type. Certain exceptions may apply.

Get Started

We’re here for you! Choose an option for help opening a Certificate Account.

Open Certificate Account
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Checkout Our Calculators
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Disclosures

  1. APY = Annual Percentage Yield. APY effective as of October 26, 2026. 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.

  2. 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.

  3. Federally Insured by NCUA. *APY = Annual Percentage Yield. APY accurate as of October 26, 2026. APY subject to change at any time. Some restrictions may apply. All rates and offerings are subject to change. Early withdrawal may result in penalty or closure. Fees may reduce earnings. The 0.25% APY addition for new money or direct deposit is not applicable to the 12-Month Certificate. Talk to a financial advisor regarding individual scenarios. Ask for details.