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Source: https://www.tvacreditunion.com/rates/
Read: 2026-10-22T16:25:43.000Z

Rates | KTVAECU
### 5.00% APY for a 12-month term & $2,500.00 minimum deposit
Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
APY = Annual Percentage Yield. APY effective as of October 22, 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. *The 0.25% addition for new money or direct deposit is NOT applicable to the 12-month certificate account.
Account Type 6 Month Certificate Account | Dividend Rate 3.78% | Annual Percentage Yield (APY) 3.85% | Minimum Balance $2,500.00 | Dividend Compound Monthly
Account Type 12 Month Certificate Account* | Dividend Rate 4.89% | Annual Percentage Yield (APY) 5.00% | Minimum Balance $2,500.00 | Dividend Compound Monthly
Account Type 18 Month Certificate Account | Dividend Rate 3.98% | Annual Percentage Yield (APY) 4.05% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 24 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 30 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 36 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 42 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 48 Month Certificate Account | Dividend Rate 4.07% | Annual Percentage Yield (APY) 4.15% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 60 Month Certificate Account | Dividend Rate 4.07% | Annual Percentage Yield (APY) 4.15% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
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 22, 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.
Account Type 36 thru 60 months Education Savings Plan | Dividend Rate 3.45% | Annual Percentage Yield (APY) 3.50% | Minimum Balance $0.00 | Dividend Compound Monthly
Account Type 61 thru 120 months Education Savings Plan | Dividend Rate 3.95% | Annual Percentage Yield (APY) 4.02% | Minimum Balance $0.00 | Dividend Compound Monthly
Account Type 121 months or more Education Savings Plan | Dividend Rate 4.20% | Annual Percentage Yield (APY) 4.28% | Minimum Balance $0.00 | Dividend Compound Monthly
Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
APY = Annual Percentage Yield. Consult with your tax advisor to determine your specific tax situation. Early withdrawal penalties may apply. Additional terms and conditions may apply. Must be age 18 or older to apply. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. All rates and offerings are subject to change. Fees may reduce earnings.
Dividend Rate 0.75% | Annual Percentage Yield (APY) 0.75% | Minimum Balance $25.00 | Dividend Compound Monthly
Balance | Dividend Rate | Annual Percentage Yield (APY) | Dividend Compound
Balance $0.00 – $499.99 | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Dividend Compound N/A
Balance $500.00 – $10,000.00 | Dividend Rate 3.45% | Annual Percentage Yield (APY) 3.50% | Dividend Compound Monthly
Balance $10,000.01+ | Dividend Rate 0.15% | Annual Percentage Yield (APY) 0.15% | Dividend Compound Monthly
Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
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.
Account Type Best Checking | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Minimum Balance $0.00 | Dividend Compound N/A
Account Type Centsible Savings | Dividend Rate 1.00% | Annual Percentage Yield (APY) 1.00% | Minimum Balance $0.00 | Dividend Compound Quarterly
Account Type Christmas Club | Dividend Rate 0.10% | Annual Percentage Yield (APY) 0.10% | Minimum Balance $0.00 | Dividend Compound Quarterly
Account Type Regular Savings | Dividend Rate 0.15% | Annual Percentage Yield (APY) 0.15% | Minimum Balance $5.00 | Dividend Compound Quarterly
Account Type Senior Member Checking Account | Dividend Rate 0.15% | Annual Percentage Yield (APY) 0.15% | Minimum Balance $0.00 | Dividend Compound Quarterly
Account Type U-Name-It / Member Special | Dividend Rate 0.15% | Annual Percentage Yield (APY) 0.15% | Minimum Balance $0.00 | Dividend Compound Quarterly
Account Type Vacation Savings | Dividend Rate 0.10% | Annual Percentage Yield (APY) 0.10% | Minimum Balance $0.00 | Dividend Compound Quarterly
Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
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.
Account Type Accumulation IRA | Dividend Rate 0.30% | Annual Percentage Yield (APY) 0.30% | Minimum Balance $25.00 | Dividend Compound Monthly
Account Type Educational IRA | Dividend Rate 0.30% | Annual Percentage Yield (APY) 0.30% | Minimum Balance $25.00 | Dividend Compound Monthly
Account Type Roth IRA | Dividend Rate 0.30% | Annual Percentage Yield (APY) 0.30% | Minimum Balance $25.00 | Dividend Compound Monthly
Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
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 22, 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. *The 0.25% addition for new money or direct deposit is NOT applicable to the 12-month certificate account.
Account Type 6 Month IRA Certificate Account | Dividend Rate 3.78% | Annual Percentage Yield (APY) 3.85% | Minimum Balance $2,500.00 | Dividend Compound Monthly
Account Type 12 Month IRA Certificate Account* | Dividend Rate 4.89% | Annual Percentage Yield (APY) 5.00% | Minimum Balance $2,500.00 | Dividend Compound Monthly
Account Type 18 Month IRA Certificate Account | Dividend Rate 3.98% | Annual Percentage Yield (APY) 4.05% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 24 Month IRA Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 30 Month IRA Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 36 Month IRA Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 42 Month IRA Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 48 Month IRA Certificate Account | Dividend Rate 4.07% | Annual Percentage Yield (APY) 4.15% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type 60 Month IRA Certificate Account | Dividend Rate 4.07% | Annual Percentage Yield (APY) 4.15% | Minimum Balance $500.00 | Dividend Compound Monthly
Balance | Dividend Rate | Annual Percentage Yield (APY) | Dividend Compound
Jump Start Savings is a tiered-rate account for minors under 18 years of age. Must have a parent or legal guardian on the account. Minimum $5.00 to open a Jump Start Savings Account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. APY = Annual Percentage Yield. Rate effective October 22, 2026 and subject to change. PREMIUM RATE of 3.00% APY is earned on balances up to $500.00. NON-PREMIUM RATE of 0.15% APY minimum is earned on balances of $500.01 or more. When the account is closed, 0.15% APY applies for the month the account is closed. Some restrictions may apply. Fees may reduce earnings. Ask for details.
Balance $5.00 – $500.00 | Dividend Rate 2.96% | Annual Percentage Yield (APY) 3.00% | Dividend Compound Quarterly
Balance $500.01+ | Dividend Rate 0.15% | Annual Percentage Yield (APY) 0.15% | Dividend Compound Quarterly
Balance | Dividend Rate | Annual Percentage Yield (APY) | Dividend Compound
APY = Annual Percentage Yield. APY effective October 22, 2026. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2,500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. 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. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.
Balance $0.00 – $2,499.99 | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Dividend Compound N/A
Balance $2,500.00 – $24,999.99 | Dividend Rate 0.55% | Annual Percentage Yield (APY) 0.55% | Dividend Compound Monthly
Balance $25,000.00 – $49,999.99 | Dividend Rate 0.60% | Annual Percentage Yield (APY) 0.60% | Dividend Compound Monthly
Balance $50,000.00 – $99,999.99 | Dividend Rate 0.70% | Annual Percentage Yield (APY) 0.70% | Dividend Compound Monthly
Balance $100,000.00 – $249,999.99 | Dividend Rate 1.74% | Annual Percentage Yield (APY) 1.75% | Dividend Compound Monthly
Balance $250,000.00 – $499,999.99 | Dividend Rate 1.83% | Annual Percentage Yield (APY) 1.85% | Dividend Compound Monthly
Balance $500,000.00 – $999,999.99 | Dividend Rate 1.98% | Annual Percentage Yield (APY) 2.00% | Dividend Compound Monthly
Balance $1,000,000.00+ | Dividend Rate 1.98% | Annual Percentage Yield (APY) 2.00% | Dividend Compound Monthly
Balance | Dividend Rate | Annual Percentage Yield (APY) | Dividend Compound
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. APY = Annual Percentage Yield. APY effective October 22, 2026. 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 3.50% 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 $25,000.00 and $99,999.99, 2.00% APY is earned. On balances between $100,000.00 and $249,999.99, 3.00% APY is earned.
Balance $0.00 – $24,999.99 | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Dividend Compound N/A
Balance $25,000.00 – $99,999.99 | Dividend Rate 1.98% | Annual Percentage Yield (APY) 2.00% | Dividend Compound Monthly
Balance $100,000.00 – $249,999.99 | Dividend Rate 2.96% | Annual Percentage Yield (APY) 3.00% | Dividend Compound Monthly
Balance $250,000.00+ | Dividend Rate 3.45% | Annual Percentage Yield (APY) 3.50% | Dividend Compound Monthly
Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Monthly Reoccurring Deposit | Dividend Compound
*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.
Account Type 12 Month Set It & Forget It Certificate Account | Dividend Rate 1.98% | Annual Percentage Yield (APY) 2.00% | Minimum Monthly Reoccurring Deposit $25.00 | Dividend Compound Monthly
Account Type 24 Month Set It & Forget It Certificate Account | Dividend Rate 2.96% | Annual Percentage Yield (APY) 3.00% | Minimum Monthly Reoccurring Deposit $25.00 | Dividend Compound Monthly
Term | Annual Percentage Rate (APR)* as low as | Payment Example
*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.
Term 24 Month New Auto Loan | Annual Percentage Rate (APR)* as low as 5.99% | Payment Example $424.52
Term 36 Month New Auto Loan | Annual Percentage Rate (APR)* as low as 5.99% | Payment Example $295.32
Term 60 Month New Auto Loan | Annual Percentage Rate (APR)* as low as 5.99% | Payment Example $189.70
Term 84 Month New Auto Loan | Annual Percentage Rate (APR)* as low as 5.99% | Payment Example $144.01
Term 96 Month New Auto Loan | Annual Percentage Rate (APR)* as low as 6.49% | Payment Example $132.12
Term | Annual Percentage Rate (APR)* as low as | Payment Example
*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.
Term 24 Month Used Auto Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $428.69
Term 36 Month Used Auto Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $299.63
Term 60 Month Used Auto Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $194.23
Term 84 Month Used Auto Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $148.72
Credit Card Type | Annual Percentage Rate (APR)* as low as
Credit Card Type Visa Platinum Credit Card | Annual Percentage Rate (APR)* as low as 4.99%
Credit Card Type Share Secured Credit Card | Annual Percentage Rate (APR)* as low as 5.99%
LOAN TYPE | Annual Percentage Rate (APR)* as low as | Payment Example
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.
LOAN TYPE 12 Month Signature Loan Fixed Rate | Annual Percentage Rate (APR)* as low as 7.99% | Payment Example $80.06
LOAN TYPE 24 Month Signature Loan Fixed Rate | Annual Percentage Rate (APR)* as low as 9.99% | Payment Example $44.13
LOAN TYPE 36 Month Signature Loan Fixed Rate | Annual Percentage Rate (APR)* as low as 11.99% | Payment Example $32.17
LOAN TYPE 60 Month Signature Loan Variable Rate | Annual Percentage Rate (APR)* as low as 13.27% | Payment Example $22.41
LOAN TYPE 12 Month Share Secured Loan Variable Rate | Annual Percentage Rate (APR)* as low as 2.15% | Payment Example $84.32
LOAN TYPE 24 Month Share Secured Loan Variable Rate | Annual Percentage Rate (APR)* as low as 2.15% | Payment Example $42.61
LOAN TYPE 60 Month Secured Loan Variable Rate | Annual Percentage Rate (APR)* as low as 10.02% | Payment Example $208.30
LOAN TYPE 12 Month Credit Builder Loan Variable Rate | Annual Percentage Rate (APR)* as low as 2.15% | Payment Example $84.32
LOAN TYPE 24 Month Credit Builder Loan Variable Rate | Annual Percentage Rate (APR)* as low as 2.15% | Payment Example $42.61
LOAN TYPE 36 Month Credit Builder Loan Variable Rate | Annual Percentage Rate (APR)* as low as 2.15% | Payment Example $28.71
Loan Type | Annual Percentage Rate (APR)* as low as | Payment Example
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.
Loan Type 24 Month New Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $428.69
Loan Type 36 Month New Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $299.63
Loan Type 60 Month New Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $194.23
Loan Type 84 Month New Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 6.99% | Payment Example $148.72
Loan Type 96 Month New Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 7.49% | Payment Example $139.98
Loan Type | Annual Percentage Rate (APR)* as low as | Payment Example
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.
Loan Type 24 Month Used Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 7.99% | Payment Example $432.88
Loan Type 36 Month Used Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 7.99% | Payment Example $303.97
Loan Type 60 Month Used Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 7.99% | Payment Example $198.81
Loan Type 84 Month Used Recreational Vehicle Loan | Annual Percentage Rate (APR)* as low as 7.99% | Payment Example $153.52
Introductory APR* (with Direct Deposit for the first 11 months) | Best current non-introductory APR | Maximum APR
*APR = Annual Percentage Rate. Introductory promotional rate is subject to change and can end at any time without notice. Introductory rate available on new qualifying Home Equity Line of Credit (HELOC) applications with new or active direct deposit account. Introductory rate of 5.740% APR for the first 11 months available without new or active direct deposit account. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. APR is variable. Maximum 18.000% APR. Not a government-affiliated agency. Some restrictions apply. Ask for details. Non-introductory APR is based on the value of an index, which is Prime Rate published in the Wall Street Journal in effect on 09/17/2026.
Introductory APR* (with Direct Deposit for the first 11 months) 5.740% | Best current non-introductory APR 7.000% | Maximum APR 18.000%
Term | Interest Rate | Annual Percentage Rate (APR)* as low as | Payment Example
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 6.750% interest and 6.983% APR will have a monthly payment of $1,297.20. 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.
Term 30-Year Fixed Rate | Interest Rate 6.750% | Annual Percentage Rate (APR)* as low as 6.983% | Payment Example $1,297.20
Term 20-Year Fixed Rate | Interest Rate 5.750% | Annual Percentage Rate (APR)* as low as 6.043% | Payment Example $1,404.17
Term 15-Year Fixed Rate | Interest Rate 5.500% | Annual Percentage Rate (APR)* as low as 5.867% | Payment Example $1,634.17
Term 10-Year Fixed Rate | Interest Rate 5.250% | Annual Percentage Rate (APR)* as low as 5.770% | Payment Example $2,145.83
Term | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
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 22, 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.
Term 6 Month Certificate Account | Dividend Rate 3.78% | Annual Percentage Yield (APY) 3.85% | Minimum Balance $2,500.00 | Dividend Compound Monthly
Term 12 Month Certificate Account* | Dividend Rate 4.89% | Annual Percentage Yield (APY) 5.00% | Minimum Balance $2,500.00 | Dividend Compound Monthly
Term 18 Month Certificate Account | Dividend Rate 3.98% | Annual Percentage Yield (APY) 4.05% | Minimum Balance $500.00 | Dividend Compound Monthly
Term 24 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Term 30 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Term 36 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Term 42 Month Certificate Account | Dividend Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum Balance $500.00 | Dividend Compound Monthly
Term 48 Month Certificate Account | Dividend Rate 4.07% | Annual Percentage Yield (APY) 4.15% | Minimum Balance $500.00 | Dividend Compound Monthly
Term 60 Month Certificate Account | Dividend Rate 4.07% | Annual Percentage Yield (APY) 4.15% | Minimum Balance $500.00 | Dividend Compound Monthly
Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compounded
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.
Account Type Business Checking Account with $25.00 – $2,499.99 Balance | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Minimum Balance $25.00 | Dividend Compounded Quarterly
Account Type Business Checking Account with $2,500.00+ Balance | Dividend Rate 0.15% | Annual Percentage Yield (APY) 0.15% | Minimum Balance $2,500.00 | Dividend Compounded Quarterly
Account Type Free Business Checking Account | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Minimum Balance $0.00 | Dividend Compounded N/A
Account Type Organizational Checking Account | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Minimum Balance $0.00 | Dividend Compounded N/A
Account Type Preferred Business Checking Account with $250.00 – $1,499.99 Balance | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Minimum Balance $250.00 | Dividend Compounded N/A
Account Type Preferred Business Checking Account with $1,500.00 – $24,999.99 Balance | Dividend Rate 0.10% | Annual Percentage Yield (APY) 0.10% | Minimum Balance $1,500.00 | Dividend Compounded Quarterly
Account Type Preferred Business Checking Account with $25,000+ Balance | Dividend Rate 0.30% | Annual Percentage Yield (APY) 0.30% | Minimum Balance $25,000.00 | Dividend Compounded Quarterly
Credit Card Type | Introductory APR* until February 28, 2027 | Best current non-introductory APR*
Credit Card Type Visa Business Credit Card | Introductory APR* until February 28, 2027 4.99% | Best current non-introductory APR* 11.99%
Dividend Rate | Annual Percentage Yield (APY) | Minimum Balance | Dividend Compound
Dividend Rate 0.15% | Annual Percentage Yield (APY) 0.15% | Minimum Balance $5.00 | Dividend Compound Quarterly
Balance | Dividend Rate | Annual Percentage Yield (APY) | Dividend Compound
APY = Annual Percentage Yield. APY effective October 22, 2026. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2,500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. 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. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.
Balance $0.00 – $2,499.99 | Dividend Rate 0.00% | Annual Percentage Yield (APY) 0.00% | Dividend Compound N/A
Balance $2,500.00 – $24,999.99 | Dividend Rate 0.55% | Annual Percentage Yield (APY) 0.55% | Dividend Compound Monthly
Balance $25,000.00 – $49,999.99 | Dividend Rate 0.60% | Annual Percentage Yield (APY) 0.60% | Dividend Compound Monthly
Balance $50,000.00 – $99,999.99 | Dividend Rate 0.70% | Annual Percentage Yield (APY) 0.70% | Dividend Compound Monthly
Balance $100,000.00 – $249,999.99 | Dividend Rate 1.74% | Annual Percentage Yield (APY) 1.75% | Dividend Compound Monthly
Balance $250,000.00 – $499,999.99 | Dividend Rate 1.83% | Annual Percentage Yield (APY) 1.85% | Dividend Compound Monthly
Balance $500,000.00 – $999,999.99 | Dividend Rate 1.98% | Annual Percentage Yield (APY) 2.00% | Dividend Compound Monthly
Balance $1,000,000.00+ | Dividend Rate 1.98% | Annual Percentage Yield (APY) 2.00% | Dividend Compound Monthly
Account Activity & Check Fees Type | Fee
Account Activity & Check Fees Type Basic Business Checking | Fee $7.50/month
Account Activity & Check Fees Type Preferred Business Checking | Fee $15.00/month if balance below $1,500.00
Account Activity & Check Fees Type Cashier’s Check | Fee $5.00/item
Account Activity & Check Fees Type Check/Draft Copy | Fee $2.00/item
Account Activity & Check Fees Type Check Printing | Fee Consumer accounts: Varies by design. Senior Member: basic checks free. All other accounts: initial box basic checks free. Business accounts: Varies by design.
Account Activity & Check Fees Type Certified Check | Fee $5.00/check
Account Activity & Check Fees Type Replacement Check | Fee $5.00/check
Account Activity & Check Fees Type Courtesy Pay | Fee $32.00/item. Payment made at Credit Union’s discretion.
Account Activity & Check Fees Type Deposited Check/Item Returned Consumer Account | Fee $32.00/presentment- 2nd Party check deposit No charge- 3rd Party check deposit
Account Activity & Check Fees Type Deposited Check/Item Returned Business Account | Fee $15.00/presentment- 3rd Party check deposit $32.00/presentment- 2nd Party check deposit
Account Activity & Check Fees Type Dormant/Inactive Account | Fee $25.00/quarter after 1 year of no activity & balance less than $500.00. Account holders age 18 and older.
Account Activity & Check Fees Type NSF (Non-Sufficient Funds) | Fee $32.00/presentment (check, ACH, Debit, Bill Pay)
Account Activity & Check Fees Type Stop Payment | Fee $32.00/stop requested
Card Fee Type | Fee
Card Fee Type Credit/Debit Card Document | Fee $6.00/item
Card Fee Type New Credit/Debit Cards-Personalized (Consumer and Business Accounts) | Fee $10.00/card- Consumer Accounts $20.00/card- Business Accounts
Card Fee Type Replacement Credit/Debit Cards Consumer Accounts | Fee $10.00/card (Standard; Personalized)
Card Fee Type Replacement Credit/Debit Cards Business Accounts | Fee $10.00/card (Standard) $20.00/card (Personalized)
Electronic Services Fee Type | Fee
Electronic Services Fee Type Bill Pay Expedited Payments | Fee $25.00/check $5.00/ACH
Electronic Services Fee Type Foreign ATM | Fee $4.00/transaction (non-members: inquiry, withdrawal, or transfer at KTVAECU ATM) $1.00/transaction (members: inquiry, withdrawal, or transfer using non-KTVAECU or non-affiliated network ATMs)
Electronic Services Fee Type Same-Day ACH | Fee $5.00/transaction
Other Fee Type | Fee
Other Fee Type Account Research | Fee $25.00/hour after first hour, billed in hourly units
Other Fee Type Account Verification | Fee $10.00/request
Other Fee Type Levy/Garnishment | Fee Up to $100.00/item
Other Fee Type Money Order | Fee $2.00/item
Other Fee Type Periodic Statement Copy | Fee $2.00/statement
Other Fee Type Paper Statement** | Fee $2.00/statement period (excluding SMC members, organizational accounts, & members under 18 years old)
Other Fee Type Bad Address*** | Fee $5.00/month beginning the month correspondence is returned undeliverable or notice of invalid address is received
Other Fee Type Unclaimed Property | Fee $50.00/year after 3 years inactivity. Account holders age 18 and older.
Other Fee Type Wire Transfers | Fee $15.00/Outgoing Domestic Item $75.00/Outgoing International Item $10.00/Incoming Item over $100.00
Size | Fee
Size 3x5x22 Safe Deposit Box | Fee $35.00/year
Size 3x10x22 Safe Deposit Box | Fee $45.00/year
Size 5x10x22 Safe Deposit Box | Fee $60.00/year
Size 7x10x22 Safe Deposit Box | Fee $60.00/year
Size 10x10x22 Safe Deposit Box | Fee $100.00/year
Size Change Lock/Drill Box Fee | Fee $100.00/lock changed or box drilled
Loan Fee Type | Fee
Loan Fee Type Skip-a-Payment (Consumer loans) | Fee $35.00/skip for qualifying members
Loan Fee Type Loan Payment by Website * | Fee $5.00/payment
Loan Fee Type Loan Payment by Phone* | Fee $15.00/payment
Term Certificate Fee Type | Fee
Term Certificate Fee Type Certificate Penalty for Withdrawal Prior to Maturity Date | Fee If withdrawal reduces principal below required minimum, penalty assessed on entire balance & account will be closed.
Term Certificate Fee Type Original certificate term less than 18 months | Fee 90 days dividends
Term Certificate Fee Type Original certificate term 18 or more months | Fee 180 days dividends
Federally Insured by NCUA. *APY = Annual Percentage Yield. Limited-time certificate account rate special effective: October 15, 2026 through December 31, 2026. 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.