Climb the savings ladder with
Certificate Accounts.

Certificate Accounts

Set It & Forget It Certificate Account ¹

Saving just became even more effortless with the Set It & Forget It Certificate Account! Earn a bigger dividend – without the large opening deposit! With a minimum monthly deposit of just $25.00, you can set your savings on cruise control.

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

Grow your account with automatic monthly deposits of at least $25.00.
Deposit money whenever you want - with 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 with our Set It & Forget It Certificate Account!

Open An Account Now

Certificate Accounts
A Certificate Account is a type of savings account with unique features:

has a fixed dividend rate
has a fixed term length, depending on your needs ranging from 6- to 60-months
has a 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. Like most other savings accounts, Certificate Accounts are federally insured by NCUA.

OPEN CERTIFICATE ACCOUNT CERTIFICATE RATES

What is the Best Certificate Account for You?

Certificate Accounts with maturities of six (6) months and twelve (12) months¹

Certificate Accounts earn from the date of deposit to the maturity date. The minimum deposit is $2,500.00.¹

Certificate Accounts with maturities of eighteen (18) months or more¹

Certificate Accounts earn from the date of deposit to the maturity date. The minimum deposit is $500.00.¹

Certificate Accounts 6-60 months¹

The amount for early withdrawal penalty is based on the term of the Certificate Account. The penalty schedule is as follows:

Term 6-12 months - 90 days dividends
Term 18-60 months - 180 days dividends

OPEN AN ACCOUNT CERTIFICATE account CALCULATOR

Disclosures

¹ APY = Annual Percentage Yield. APY effective as of 06-30-25. 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.