Credit union · NCUA insured
BCBST Employee CU Savings Rates
BCBST Employee CU’s best savings rate is 0.20% APY on $10,000, with its Regular Share Accounts. Rates checked October 7, 2026.
How BCBST Employee CU’s savings rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where BCBST Employee CU has the most branches. $10,000, best rate first.
This credit union’s best
BCBST Employee CU
0.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $20
Regular Share Accounts
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
BCBST Employee CU savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 BCBST Employee CU 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.
Regular Share Accounts
0.20%APY
Dividends are based on credit union's earnings at the end of each dividend period and cannot be guaranteed. Dividends are calculated by the daily balance method and paid quarterly. Projected rates set forth by Board of Directors for 3rd Quarter of 2025.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance over $501. Payment frequency: Quarterly. | 0.20% | $20 | Daily balance over $501. Payment frequency: Quarterly. |
| Up to $500Payment frequency: Quarterly. | 0.20% | — | Payment frequency: Quarterly. |
Sources (1)
- bcbstecu.com/rates · captured Oct 7, 2026
Special-purpose accounts
Individual Retirement Accumulations
2.01%APY
Dividends are based on credit union's earnings at the end of each dividend period and cannot be guaranteed. Dividends are calculated by the daily balance method and paid quarterly. Projected rates set forth by Board of Directors for 3rd Quarter of 2025.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance $100 and over. Payment frequency: Quarterly.$100 and up | 2.01% | $201 | Daily balance $100 and over. Payment frequency: Quarterly. |
Sources (1)
- bcbstecu.com/rates · captured Oct 7, 2026
Christmas Club Accounts
0.15%APY
Dividends are based on credit union's earnings at the end of each dividend period and cannot be guaranteed. Dividends are calculated by the daily balance method and paid quarterly. Projected rates set forth by Board of Directors for 3rd Quarter of 2025.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDaily balance $5 and Over. Payment frequency: Quarterly.$5 and up | 0.15% | $15 | Daily balance $5 and Over. Payment frequency: Quarterly. |
Sources (1)
- bcbstecu.com/rates · captured Oct 7, 2026
Who can join BCBST Employee CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.