Tennessee

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Tennessee Credit Union Savings Rates

You are viewing savings rates from credit unions across Tennessee

 

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

TN - July 5, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

Rate History: 3.80% → 5.09%

| Jun 1, 2019

Yes... Read More

3.00%

2.95%
2.70%
2.55%
2.50%

$100,000

$50,000
$25,000
$10,000
$2,500
Learn More

| Feb 29, 2020

After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 1.87% → 1.71%

| Jun 1, 2019

Yes... Read More

| Feb 29, 2020

After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

| May 12, 2016

19 what, years or months Read More

| Feb 29, 2020

After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More

0.50%

$2,500

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0.50%

$2,500

Learn More

0.45%

$25,000

Learn More

| Jun 7, 2023

They have my money and refuse to give it back, They have violated the law as they refuse to even turn it over to the state as abandoned property if nothing else. They refuse to even respond. Read More

| Jan 11, 2020

Can I deposit a check at the ATM at my branch of Leaders Credit Union Read More

0.40%

$10,000

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0.40%

$25,000

Learn More

| Jun 7, 2023

They have my money and refuse to give it back, They have violated the law as they refuse to even turn it over to the state as abandoned property if nothing else. They refuse to even respond. Read More

0.35%

$10,000

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0.35%

$25,000

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0.35%

$25,000

Learn More

0.35%

$2,500

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0.35%

$25,000

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0.30%

$25,000

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0.30%

$25,000

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0.30%

$5

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0.30%

$2,500

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0.30%

$10,000

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0.30%

$2,500

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0.30%

$2,500

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0.30%

$2,500

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0.30%

$10,000

Learn More

| Jun 7, 2023

They have my money and refuse to give it back, They have violated the law as they refuse to even turn it over to the state as abandoned property if nothing else. They refuse to even respond. Read More

| Aug 31, 2020

Great rates and fast loans Read More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

0.25%

$2,500

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0.25%

$10,000

Learn More

0.25%

$2,500

Learn More

0.25%

$25,000

Learn More

0.25%

$10,001

Learn More

0.25%

$2,500

Learn More

0.25%

$10,000

Learn More

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

0.25%

$2,500

Learn More

0.25%

$10,000

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0.25%

$10,000

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0.25%

$2,500

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0.21%

$10,000

Learn More

Edu


Restrictions

0.20%

$0

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0.20%

$25,000

Learn More

0.20%

$25,000

Learn More

0.20%

$10,000

Learn More

0.20%

$0

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

0.20%

$25,000

Learn More

| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.20%

$10,000

Learn More

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

0.20%

$25,000

Learn More

| Jun 7, 2023

They have my money and refuse to give it back, They have violated the law as they refuse to even turn it over to the state as abandoned property if nothing else. They refuse to even respond. Read More

0.15%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.15%

$25,000

Learn More

| Jan 11, 2020

Can I deposit a check at the ATM at my branch of Leaders Credit Union Read More

0.15%

$25,000

Learn More

0.15%

$25,000

Learn More

0.15%

$10,000

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

Rtn

Rtn Branch
Restrictions

0.15%

$25,000

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

0.12%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.10%

$2,501

Learn More

| May 12, 2016

19 what, years or months Read More

| Jul 25, 2021

How to transfer funds to someone else from your online banking Read More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$25,000

Learn More

0.10%

$2,500

Learn More

0.10%

$25,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.10%

$25,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Rtn

Rtn Branch
Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.08%

$1

Learn More

0.08%

$2,500

Learn More

0.06%

$5

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.05%

$10,000

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

Rtn

Rtn Branch
Restrictions

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.04%

$5

Learn More

0.04%

$2,500

Learn More

0.02%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


Branches Info across Tennessee


Branch Street City State
REDSTONE
Redstone Redstone Branch
110 Bluff Drive Fayetteville TN
ASCEND
Arnold Air Force Base Arnold Air Force Base Branch
452 N Hap Arnold Dr Arnold AFB TN
TENNESSEE VALLEY
Tennessee Valley Tennessee Valley Branch
715, Market Street Chattanooga TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
TENNESSEE VALLEY
Tennessee Valley Tennessee Valley Branch
715, Market Street Chattanooga TN
TENNESSEE VALLEY
Tennessee Valley Tennessee Valley Branch
715, Market Street Chattanooga TN
TENNESSEE VALLEY
Tennessee Valley Tennessee Valley Branch
715, Market Street Chattanooga TN
TENNESSEE VALLEY
Tennessee Valley Tennessee Valley Branch
715, Market Street Chattanooga TN
LISTERHILL
Columbia Columbia Branch
1623 Hatcher Ln Columbia TN
LISTERHILL
Columbia Columbia Branch
1623 Hatcher Ln Columbia TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
AMERICAN AIRLINES
American Airlines American Airlines Branch
AAFCU c/o Nashville Post Office Credit Union, 10 R Nashville TN
EASTMAN
Eastman Eastman Branch
2021 MeadowView Lane Kingsport TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
LISTERHILL
Columbia Columbia Branch
1623 Hatcher Ln Columbia TN
REDSTONE
Redstone Redstone Branch
110 Bluff Drive Fayetteville TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
REDSTONE
Redstone Redstone Branch
110 Bluff Drive Fayetteville TN
CHATTANOOGA AREA SCHOOLS
Chattanooga Area Sch Chattanooga Area Sch Branch
1201 BAILEY AVENUE CHATTANOOGA TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
REDSTONE
Redstone Redstone Branch
110 Bluff Drive Fayetteville TN
ASCEND
Arnold Air Force Base Arnold Air Force Base Branch
452 N Hap Arnold Dr Arnold AFB TN
REDSTONE
Redstone Redstone Branch
110 Bluff Drive Fayetteville TN
ASCEND
Arnold Air Force Base Arnold Air Force Base Branch
452 N Hap Arnold Dr Arnold AFB TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
EASTMAN
Eastman Eastman Branch
2021 MeadowView Lane Kingsport TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
UNIFY FINANCIAL
Collegedale Collegedale Branch
9525 Apison Pike Collegedale TN
EASTMAN
Eastman Eastman Branch
2021 MeadowView Lane Kingsport TN
ASCEND
Arnold Air Force Base Arnold Air Force Base Branch
452 N Hap Arnold Dr Arnold AFB TN
UNIFY FINANCIAL
Collegedale Collegedale Branch
9525 Apison Pike Collegedale TN
UNIFY FINANCIAL
Collegedale Collegedale Branch
9525 Apison Pike Collegedale TN
UNIFY FINANCIAL
Collegedale Collegedale Branch
9525 Apison Pike Collegedale TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
MIDDLE TENNESSEE
Main Main Branch
1255 E Spring St Cookeville TN
HOPE
Ridgeway Rd Ridgeway Rd Branch
2923 Ridgeway Rd Memphis TN
ENBRIGHT
Escu-donelson Branch Escu-donelson Branch
2340 Jackson Downs Blvd Nashville TN
SELECT SEVEN
Johnson City Johnson City Branch
333 E Main Street Johnson City TN
LEADERS CREDIT UNION
Leaders Credit Union Leaders Credit Union Branch
214 Oil Well Rd. Jackson TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
HERITAGE SOUTH COMMUNITY CU
Heritage South Commu Heritage South Commu Branch
763 North Main Street Shelbyville TN
FIRST CHOICE COMMUNITY
First Choice Communi First Choice Communi Branch
100 N. 17th Street Knoxville TN
SELECT SEVEN
Johnson City Johnson City Branch
333 E Main Street Johnson City TN
ENBRIGHT
Escu-donelson Branch Escu-donelson Branch
2340 Jackson Downs Blvd Nashville TN
NORTHEAST COMMUNITY
Northeast Community Northeast Community Branch
980 JASON WITTEN WAY ELIZABETHTON TN
UNITED SOUTHEAST
United Southeast United Southeast Branch
1545 Bluff City Highway Bristol TN
HEALTHNET
Chickering Lane Chickering Lane Branch
1591 Chickering Ln Cordova TN
VERITAS
Veritas Veritas Branch
1 Nissan Way Franklin TN
CHATTANOOGA AREA SCHOOLS
Chattanooga Area Sch Chattanooga Area Sch Branch
1201 BAILEY AVENUE CHATTANOOGA TN
LIFE
Baptist Hospital Baptist Hospital Branch
2010 Church St Ste 204 Nashville TN
NEW SOUTH CREDIT UNION
New South Credit Uni New South Credit Uni Branch
3261 N MALL RD KNOXVILLE TN
EASTMAN
Eastman Eastman Branch
2021 MeadowView Lane Kingsport TN
NORTHEAST COMMUNITY
Northeast Community Northeast Community Branch
980 JASON WITTEN WAY ELIZABETHTON TN
UNITED SOUTHEAST
United Southeast United Southeast Branch
1545 Bluff City Highway Bristol TN
EMPLOYEE RESOURCES
Waynesboro Branch Office Waynesboro Branch Office
321 Dexter L Woods Memorial Blvd Ste A WAYNESBORO TN
HERITAGE SOUTH COMMUNITY CU
Heritage South Commu Heritage South Commu Branch
763 North Main Street Shelbyville TN
TENNESSEE VALLEY
Tennessee Valley Tennessee Valley Branch
715, Market Street Chattanooga TN
SOUTHERN
Southern Southern Branch
508 NATIONAL AVENUE CHATTANOOGA TN
FIRST CHOICE COMMUNITY
First Choice Communi First Choice Communi Branch
100 N. 17th Street Knoxville TN
SELECT SEVEN
Johnson City Johnson City Branch
333 E Main Street Johnson City TN
REDSTONE
Redstone Redstone Branch
110 Bluff Drive Fayetteville TN
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
5600 Navy Road Millington TN
ENBRIGHT
Escu-donelson Branch Escu-donelson Branch
2340 Jackson Downs Blvd Nashville TN
LIFE
Baptist Hospital Baptist Hospital Branch
2010 Church St Ste 204 Nashville TN
MIDDLE TENNESSEE
Main Main Branch
1255 E Spring St Cookeville TN
ENRICHMENT
Enrichment Enrichment Branch
201 S ILLINOIS AVE OAK RIDGE TN
LOWLAND
Lowland Lowland Branch
622 West First North St. Morristown TN
HORIZON
First Kingsport First Kingsport Branch
408 CLAY STREET KINGSPORT TN
NEW SOUTH CREDIT UNION
New South Credit Uni New South Credit Uni Branch
3261 N MALL RD KNOXVILLE TN
NORTHEAST COMMUNITY
Northeast Community Northeast Community Branch
980 JASON WITTEN WAY ELIZABETHTON TN
UNITED SOUTHEAST
United Southeast United Southeast Branch
1545 Bluff City Highway Bristol TN
HOPE
Ridgeway Rd Ridgeway Rd Branch
2923 Ridgeway Rd Memphis TN
HERITAGE SOUTH COMMUNITY CU
Heritage South Commu Heritage South Commu Branch
763 North Main Street Shelbyville TN
VERITAS
Veritas Veritas Branch
1 Nissan Way Franklin TN
TRUST
Trust Trust Branch
2186 NORTHGATE PARK LANE CHATTANOOGA TN
FIRST CHOICE COMMUNITY
First Choice Communi First Choice Communi Branch
100 N. 17th Street Knoxville TN
FAMILY ADVANTAGE
Family Advantage Family Advantage Branch
100 Town Center Pkwy Spring Hill TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
ALTRA
Altra Altra Branch
1600 Madison Street Clarksville TN
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
220 South Royal Oaks Franklin TN
KOIN
Lifeway Lifeway Branch
127 9th Avenue North Nashville TN
ASCEND
Arnold Air Force Base Arnold Air Force Base Branch
452 N Hap Arnold Dr Arnold AFB TN
Y-12
Y-12 Y-12 Branch
501 Lafayette Drive Oak Ridge TN
ENRICHMENT
Enrichment Enrichment Branch
201 S ILLINOIS AVE OAK RIDGE TN
NEW SOUTH CREDIT UNION
New South Credit Uni New South Credit Uni Branch
3261 N MALL RD KNOXVILLE TN
FIRST SOUTH FINANCIAL
Tiger Banking Center Tiger Banking Center Branch
209 Rawlins Service Ct Memphis TN
SOUTHERN SECURITY
Southern Security Southern Security Branch
3337 Summer Avenue Memphis TN
L G & W
L G & W L G & W Branch
1616 Whitten Road Memphis TN
PATRIOT EQUITY
Patriot Equity Patriot Equity Branch
57 Directors Row Jackson TN
TRUST
Trust Trust Branch
2186 NORTHGATE PARK LANE CHATTANOOGA TN
STALEY
Staley Employees Staley Employees Branch
198 Blair Bend Dr Loudon TN
SELECT SEVEN
Johnson City Johnson City Branch
333 E Main Street Johnson City TN
UNITED SOUTHEAST
United Southeast United Southeast Branch
1545 Bluff City Highway Bristol TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
U. T.
U. T. U. T. Branch
2100 WHITE AVENUE KNOXVILLE TN
LEADERS CREDIT UNION
Leaders Credit Union Leaders Credit Union Branch
214 Oil Well Rd. Jackson TN
CORNERSTONE FINANCIAL
Cornerstone Financia Cornerstone Financia Branch
1701 21st Avenue South Nashville TN
TEN
The Tennessee Credit The Tennessee Credit Branch
1400 8TH AVENUE SOUTH NASHVILLE TN
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
220 South Royal Oaks Franklin TN
LIFE
Baptist Hospital Baptist Hospital Branch
2010 Church St Ste 204 Nashville TN
Y-12
Y-12 Y-12 Branch
501 Lafayette Drive Oak Ridge TN
APPALACHIAN COMMUNITY
Appalachian Communit Appalachian Communit Branch
460 West Center Street Kingsport TN
HORIZON
First Kingsport First Kingsport Branch
408 CLAY STREET KINGSPORT TN
NEW SOUTH CREDIT UNION
New South Credit Uni New South Credit Uni Branch
3261 N MALL RD KNOXVILLE TN
PATRIOT EQUITY
Patriot Equity Patriot Equity Branch
57 Directors Row Jackson TN
RTN
Rtn Rtn Branch
1810 Wilson Parkway Fayetteville TN
SCENIC COMMUNITY
Dupont Community Dupont Community Branch
4503 HIXSON PIKE HIXSON TN
SOUTHERN
Southern Southern Branch
508 NATIONAL AVENUE CHATTANOOGA TN
TRUST
Trust Trust Branch
2186 NORTHGATE PARK LANE CHATTANOOGA TN
ALCOA TENN
Alcoa Tenn Alcoa Tenn Branch
124 N. HALL ROAD ALCOA TN
FIRST CHOICE COMMUNITY
First Choice Communi First Choice Communi Branch
100 N. 17th Street Knoxville TN
STALEY
Staley Employees Staley Employees Branch
198 Blair Bend Dr Loudon TN
ENBRIGHT
Escu-donelson Branch Escu-donelson Branch
2340 Jackson Downs Blvd Nashville TN
LOWLAND
Lowland Lowland Branch
622 West First North St. Morristown TN
UNIFY FINANCIAL
Collegedale Collegedale Branch
9525 Apison Pike Collegedale TN
CLINCHFIELD
Clinchfield Clinchfield Branch
1038 North Main Avenue Erwin TN
F A A
F A A F A A Branch
3920 Whitebrook Drive Memphis TN
FORTERA
Fort Campbell Fort Campbell Branch
2050 Lowe's Drive Clarksville TN
U. T.
U. T. U. T. Branch
2100 WHITE AVENUE KNOXVILLE TN
ALTRA
Altra Altra Branch
1600 Madison Street Clarksville TN
CORNERSTONE FINANCIAL
Cornerstone Financia Cornerstone Financia Branch
1701 21st Avenue South Nashville TN
TEN
The Tennessee Credit The Tennessee Credit Branch
1400 8TH AVENUE SOUTH NASHVILLE TN
US COMMUNITY
Us Community Us Community Branch
125 8TH AVENUE SOUTH NASHVILLE TN
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
220 South Royal Oaks Franklin TN
LIFE
Baptist Hospital Baptist Hospital Branch
2010 Church St Ste 204 Nashville TN
UPPER CUMBERLAND
Upper Cumberland Upper Cumberland Branch
627 Livingston Road Crossville TN
ORNL
Ornl Ornl Branch
221 S. Rutgers Avenue Oak Ridge TN
ENRICHMENT
Enrichment Enrichment Branch
201 S ILLINOIS AVE OAK RIDGE TN
TENNESSEE MEMBERS 1ST
Tennessee Members 1s Tennessee Members 1s Branch
112 Administration Road Oak Ridge TN
CONSUMER
Consumer Consumer Branch
311 CCU Blvd Greeneville TN
APPALACHIAN COMMUNITY
Appalachian Communit Appalachian Communit Branch
460 West Center Street Kingsport TN
FIRST SOUTH FINANCIAL
Tiger Banking Center Tiger Banking Center Branch
209 Rawlins Service Ct Memphis TN
SOUTHERN SECURITY
Southern Security Southern Security Branch
3337 Summer Avenue Memphis TN
ORION
Raleigh Raleigh Branch
3118 Covington Pike Memphis TN
KIMBERLY CLARK
Kimberly Clark Kimberly Clark Branch
1520 N Second Street Memphis TN
HEALTHNET
Chickering Lane Chickering Lane Branch
1591 Chickering Ln Cordova TN
RESOURCE
Resource Federal Credit Union Resource Federal Credit Union Branch
525 Old Hickory Blvd Jackson TN
FAMILY ADVANTAGE
Family Advantage Family Advantage Branch
100 Town Center Pkwy Spring Hill TN
RTN
Rtn Rtn Branch
1810 Wilson Parkway Fayetteville TN
VERITAS
Veritas Veritas Branch
1 Nissan Way Franklin TN
SCENIC COMMUNITY
Dupont Community Dupont Community Branch
4503 HIXSON PIKE HIXSON TN
COMTRUST
Comtrust Comtrust Branch
1020 RIVERFRONT PKWY CHATTANOOGA TN
ALCOA TENN
Alcoa Tenn Alcoa Tenn Branch
124 N. HALL ROAD ALCOA TN
STALEY
Staley Employees Staley Employees Branch
198 Blair Bend Dr Loudon TN
LOWLAND
Lowland Lowland Branch
622 West First North St. Morristown TN
STALEY
Staley Employees Staley Employees Branch
198 Blair Bend Dr Loudon TN
LOWLAND
Lowland Lowland Branch
622 West First North St. Morristown TN
U. T.
U. T. U. T. Branch
2100 WHITE AVENUE KNOXVILLE TN
ALTRA
Altra Altra Branch
1600 Madison Street Clarksville TN
CORNERSTONE FINANCIAL
Cornerstone Financia Cornerstone Financia Branch
1701 21st Avenue South Nashville TN
US COMMUNITY
Us Community Us Community Branch
125 8TH AVENUE SOUTH NASHVILLE TN
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
220 South Royal Oaks Franklin TN
KOIN
Lifeway Lifeway Branch
127 9th Avenue North Nashville TN
LIFE
Baptist Hospital Baptist Hospital Branch
2010 Church St Ste 204 Nashville TN
Y-12
Y-12 Y-12 Branch
501 Lafayette Drive Oak Ridge TN
ORNL
Ornl Ornl Branch
221 S. Rutgers Avenue Oak Ridge TN
TENNESSEE MEMBERS 1ST
Tennessee Members 1s Tennessee Members 1s Branch
112 Administration Road Oak Ridge TN
FIRST SOUTH FINANCIAL
Tiger Banking Center Tiger Banking Center Branch
209 Rawlins Service Ct Memphis TN
SOUTHERN SECURITY
Southern Security Southern Security Branch
3337 Summer Avenue Memphis TN
ORION
Raleigh Raleigh Branch
3118 Covington Pike Memphis TN
SHELBY COUNTY
Shelby County Federal Credit Union Shelby County Federal Credit Union Branch
1160 Sycamore View Rd Memphis TN
L G & W
L G & W L G & W Branch
1616 Whitten Road Memphis TN
FAMILY ADVANTAGE
Family Advantage Family Advantage Branch
100 Town Center Pkwy Spring Hill TN
RTN
Rtn Rtn Branch
1810 Wilson Parkway Fayetteville TN
SCENIC COMMUNITY
Dupont Community Dupont Community Branch
4503 HIXSON PIKE HIXSON TN
F A A
F A A F A A Branch
3920 Whitebrook Drive Memphis TN
OLD HICKORY
Old Hickory Old Hickory Branch
1000 INDUSTRIAL RD OLD HICKORY TN
OLD HICKORY
Old Hickory Old Hickory Branch
1000 INDUSTRIAL RD OLD HICKORY TN
ORNL
Ornl Ornl Branch
221 S. Rutgers Avenue Oak Ridge TN
TENNESSEE MEMBERS 1ST
Tennessee Members 1s Tennessee Members 1s Branch
112 Administration Road Oak Ridge TN
ORION
Raleigh Raleigh Branch
3118 Covington Pike Memphis TN
COMTRUST
Comtrust Comtrust Branch
1020 RIVERFRONT PKWY CHATTANOOGA TN


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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