Our Rates

APY = Annual Percentage Yield. APY effective as of October 6, 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 at least $10,000.00 of new money or with an active direct deposit, add 0.25% to current dividend rate. Ask for details.

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 October 6, 2026. 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.

BEST CHECKING: Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. Must use eStatement for no-fee option. Members will receive initial checks for free. Business account do not qualify for free checks.
CENTSIBLE SAVINGS: APY = Annual Percentage Yield. Earns dividends. No minimum balance. Allows withdrawals. Fees may reduce earnings. 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.
REGULAR SAVINGS: APY = Annual Percentage Yield. Available to qualifying Members. Fees may reduce earnings. Some restrictions, conditions, and fees may apply. Ask for details.
SENIOR MEMBER CHECKING: APY = Annual Percentage Yield. Some restrictions may apply. Fees may reduce earnings. 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.

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. Fees may reduce earnings. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. Early withdrawal penalties may apply.
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. Early withdrawal penalties may apply. Ask for details. Fees may reduce earnings. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate.

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. Early withdrawal penalties may apply. Ask for details. Fees may reduce earnings. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. APY = Annual Percentage Yield. APY effective October 6, 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.

*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.

*APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new auto loans with terms 85 to 96 months: $40,000.00. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.

*APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new auto loans with terms 85 to 96 months: $40,000.00. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.

APR = Annual Percentage Rate. Promotional Period for Introductory APR: The introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to new and existing credit card accounts from 9/1/2026 until 2/28/2027. Any existing balances on Knoxville TVA Employees Credit Union loan or credit card accounts are not eligible for the Introductory APR. The repayment period for purchases, balance transfers, and cash advances made during the introductory rate period will expire 2/29/2028. Any remaining balance as of 3/1/2028 will revert to the current applicable credit card rate. Rate subject to change without notice and based on creditworthiness. If interest is charged, the charge will be no less than $1.50. Available to qualifying Members. Some restrictions may apply. Ask for details. View credit card disclosure at tvacreditunion.com/credit-card-disclosure.

Signature Loan Fixed Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Payment per $1,000.00 is for example purposes.
Signature Loan Variable Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the CU on the last day of the previous calendar quarter plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes.
Share Secured Loan: APR = Annual Percentage Rate. The APR may increase or decrease during the term of this loan based on the changes in an interest rate index. The index is the dividend rate or current earnings rate paid on the account on the date of the advance plus 2.00%, up to the maximum APR of 18.00% or the maximum rate allowed by the law. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes.
Secured Loan Variable Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Rate may vary, based on creditworthiness, amount financed, loan terms, and collateral. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the Credit Union on the last day of the previous calendar quarter, plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $10,000.00 is for example purposes.
Credit Builder Loan: APR = Annual Percentage Rate. Credit scores are determined by multiple factors, and KTVAECU does not guarantee a credit score increase and is not accountable for a credit score decrease. Terms up to 36 months. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Membership must be 90 days or older to qualify. Some restrictions may apply. Ask for details. Payment example for Members Special Account: 36 monthly payments at 2.15% APR is $28.71 monthly payment per $1,000.00 borrowed.

APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new recreational vehicles with terms 85 to 96 months of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. Payment is for example purposes only: monthly payment of $148.72 per $10,000.00 for 84-month term at 6.99% APR.

APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. For vehicles model year 2016 and older, please contact us for rate information.

APR = Annual Percentage Rate. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. Please note the interest rate and fees shown are available to borrowers with excellent credit history with loan-to-values up to 80% of the appraised value or sales price of the property, whichever is the least amount. If the loan-to-value is higher than 80%, please contact us for a rate quote. The actual interest rate and fees available to you may be different than the rates displayed. All interest rates and APRs shown are subject to change without notice.
30-Year Fixed Rate: APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 30 years at 6.500% interest and 6.730% APR will have a monthly payment of $1,264.14. Taxes and insurance not included; therefore, the actual payment obligation will be greater.
20-Year Fixed Rate: APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 20 years at 5.750% interest and 6.043% APR will have a monthly payment of $1,404.17. Taxes and insurance not included; therefore, the actual payment obligation will be greater.
15-Year Fixed Rate: APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 15 years at 5.500% interest and 5.867% APR will have a monthly payment of $1,634.17. Taxes and insurance not included; therefore, the actual payment obligation will be greater.
10-Year Fixed Rate: APR = Annual Percentage Rate. A fixed-rate mortgage loan of $200,000.00 for 10 years at 5.250% interest and 5.770% APR will have a monthly payment of $2,145.83. Taxes and insurance not included; therefore, the actual payment obligation will be greater.

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 October 6, 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.

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. Fees may reduce earnings. Ask for details.
FREE BUSINESS CHECKING ACCOUNT: Enrollment in eStatements required for Free Business Checking. Available to qualifying Members. Some restrictions may apply. Fees may apply. Fees may reduce earnings. Ask for details.
ORGANIZATIONAL CHECKING ACCOUNT: Available to qualifying Members. Some restrictions may apply. Fees may apply. Fees may reduce earnings. 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. Fees may reduce earnings. 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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