Credit union · NCUA insured
Ascend Federal Credit Union Savings Rates
Top CarrotAscend Federal Credit Union’s best savings rate is 3.30% APY on $10,000, with its High-Yield Money Market. Rates checked October 15, 2026.
How Ascend Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Nashville, TN, where Ascend Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ascend Federal Credit Union
3.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $330
High-Yield Money Market
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
Ascend Federal Credit Union savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.30%
- $10,000 balance$10,0003.30%
- $100,000 balance$100,0003.30%
- QualifiedQualified3.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ascend Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Money Market
3.30%APY
High-Yield Money Market accounts are variable-rate accounts, and the rates may change. The Annual Percentage Yield (APY) stated is accurate as of October 1, 2026. For more information regarding fees, please see the Rate and Fee Addendum.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.30% | $330 |
Savings Account
0.05%APY
Dividends are earned on daily balance, compounded monthly, and credited monthly. Must deposit $5 to purchase one share and become a member.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rate applies to daily balances under $9,999.99. | 0.01% | — | Rate applies to daily balances under $9,999.99. |
| $10,000 – $100,000Rate applies to daily balances between $10,000 and $99,999.99. | 0.05% | $5 | Rate applies to daily balances between $10,000 and $99,999.99. |
| $100,000 – $250,000Rate applies to daily balances between $100,000 and $249,999.99. | 0.15% | — | Rate applies to daily balances between $100,000 and $249,999.99. |
| $250,000 and upRate applies to daily balances $250,000 and over. | 0.20% | — | Rate applies to daily balances $250,000 and over. |
Special-purpose accounts
Christmas Club
0.20%APY
Variable-rate account. No minimum opening deposit stated on feature page. Funds are accessible at any time without penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Health Savings Account
0.05%APY
Must be covered under a High Deductible Health Plan (HDHP), not enrolled in Medicare, and cannot be claimed as a dependent. Dividends calculated using daily balance method, compounded monthly, and credited monthly. No service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rate applies to balances under $9,999.99. | 0.01% | — | Rate applies to balances under $9,999.99. |
| $10,000 – $100,000Rate applies to balances between $10,000 and $99,999.99. | 0.05% | $5 | Rate applies to balances between $10,000 and $99,999.99. |
| $100,000 – $250,000Rate applies to balances between $100,000 and $249,999.99. | 0.15% | — | Rate applies to balances between $100,000 and $249,999.99. |
| $250,000 and upRate applies to balances $250,000 and over. | 0.20% | — | Rate applies to balances $250,000 and over. |
Youth Savings Account
0.05%APY
Opened under the minor's name with a responsible party as joint owner. Ascend makes the $5 opening deposit required to open the account. Dividends are earned daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Ascend makes the $5 opening deposit. | 0.01% | — | Ascend makes the $5 opening deposit. |
| $10,000 – $100,000Ascend makes the $5 opening deposit. | 0.05% | $5 | Ascend makes the $5 opening deposit. |
| $100,000 – $250,000Ascend makes the $5 opening deposit. | 0.15% | — | Ascend makes the $5 opening deposit. |
| $250,000 and upAscend makes the $5 opening deposit. | 0.20% | — | Ascend makes the $5 opening deposit. |
Closed to new customers
Traditional Money Market
1.31%APY
High-Yield Money Market accounts are variable-rate accounts, and the rates may change. The Annual Percentage Yield (APY) stated is accurate as of October 1, 2026. For more information regarding fees, please see the Rate and Fee Addendum. *Traditional Money Market accounts are no longer offered and are only available to members who had Traditional Money Market accounts prior to April 1, 2026. These accounts are limited to 6 withdrawals per month; a $10 service fee is charged for each withdrawal in excess of 6.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.20% | — |
| $2,500 – $10,000 | 0.50% | — |
| $10,000 – $100,000 | 1.31% | $131 |
| $100,000 – $250,000 | 1.36% | — |
| $250,000 – $500,000 | 1.36% | — |
| $500,000 – $1,000,000 | 1.36% | — |
| $1,000,000 – $2,500,000 | 1.36% | — |
| $2,500,000 – $5,000,000 | 1.36% | — |
| $5,000,000 and up | 3.82% | — |
Who can join Ascend Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in financially underserved areas, including all of Franklin County and parts of Davidson, Dickson, Marshall, Maury, Putnam, Rutherford, Van Buren, Warren, and White counties.
Employers and groups
- Eligibility is open to employees or members of one of Ascend's more than 1,200 local employer or organization partners.
Family and household
- Eligibility is open to immediate family members (spouse, parents, grandparents, children, siblings, grandchildren, including step and adoptive relationships) or household members demonstrating a degree of permanency with an existing Ascend member.
Other ways
- Eligibility is open to members of The Nature Conservancy (TNC) in Tennessee (membership can be obtained with a $25 contribution/donation).
Cost to join
- A $5 refundable savings account deposit representing one share is required to establish membership.
- A $25 one-time contribution/donation to The Nature Conservancy in Tennessee is required if qualifying via TNC.
Membership information collected October 5, 2026.