Certificate Accounts

CHOOSE A 6, 9, or 12-MONTH TERM
AND EARN 5.50% APY³
LIMITED-TIME CERTIFICATE ACCOUNT RATE SPECIAL

Earn 5.50% APY on a 6, 9, or 12-month Certificate Account with a one-time bump-up! Plus, add 0.10% APY to any Certificate Account with $10,000.00 in new money!

Fixed Dividend Rate
Fixed Term Rate
$25,000.00 Minimum Contribution

Complete the authorization form below to lock in your rate today!

OPEN A CERTIFICATE ACCOUNT SPECIAL

12-MONTH CERTIFICATE ACCOUNT RATE SPECIAL⁶

Take advantage of this Certificate Account Special! For a limited time, earn 3.50% APY on a 12-month Certificate Account!

Fixed Dividend Rate
Fixed Term Rate
$2,500.00 Minimum Contribution

Complete the authorization form to lock in your rate today!

Certificate Account Authorization Form

Certificate Accounts¹

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.²

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

¹APY = Annual Percentage Yield. APY effective as of 11-29-23. 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. Some restrictions may apply. Ask for details. Talk to a financial advisor regarding individual scenarios.
²Certificate accounts are federally insured by NCUA up to at least $250,000.00.
³*APY = Annual Percentage Yield. APY effective as of 11-29-23. Limited-time rate special. 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. Talk to a financial advisor regarding individual scenarios. Ask for details. One-time, bump-up request if the Certificate Account rate increases within the term of the Certificate Account. With $10,000.00 in new money, add 0.10% to the current dividend rate.
⁶APY = Annual Percentage Yield. APY effective as of 11-29-23. Limited-time rate special. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Talk to a financial advisor regarding individual scenarios. Any certificate account with new money of $10,000.00 may add 0.10% to the current dividend rate. Ask for details.