Credit union · NCUA insured
Chattanooga Federal Employees Credit Union Savings Rates
Top CarrotChattanooga Federal Employees Credit Union’s best savings rate is 2.02% APY on $10,000, with its Special Shares. Rates checked October 15, 2026.
How Chattanooga Federal Employees Credit Union’s savings rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Chattanooga Federal Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chattanooga Federal Employees Credit Union
2.02%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $202
Special Shares
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
Chattanooga Federal Employees Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.51%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.02%
- QualifiedQualified2.02%
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 Chattanooga Federal Employees 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.
Special Shares
Up to 2.02%APY
Tiered special savings account (special 09 account). Dividends paid quarterly. Transfer to checking for easy access with no penalty to withdraw funds.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upTier I rate for amounts over $500. Rates listed are projected rates. | 1.51% | $151 | Tier I rate for amounts over $500. Rates listed are projected rates. |
| $10,000 and upTier II rate once balance reaches $10,000. Rates listed are projected rates. | 2.02% | $202 | Tier II rate once balance reaches $10,000. Rates listed are projected rates. |
Regular Shares
0.05%APY
Dividends paid quarterly on balances over $100. Establishes ownership in Chattanooga Federal ECU.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid on balances of $100 or greater; posted on the last day of each calendar quarter (or first day of new quarter). Rates listed are projected rates.$25 and up | 0.05% | $5 | Dividends paid on balances of $100 or greater; posted on the last day of each calendar quarter (or first day of new quarter). Rates listed are projected rates. |
Special-purpose accounts
I.R.A.
3.04%APY
Traditional or Roth plans available. May be tax-deferred.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRates listed are projected rates. Dividends are posted on the last day of each calendar quarter.$25 and up | 3.04% | $304 | Rates listed are projected rates. Dividends are posted on the last day of each calendar quarter. |
Christmas Club
0.05%APY
Disburses in early November / at the first of each November. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRates listed are projected rates. A penalty of $15 is charged for early withdrawals.$25 and up | 0.05% | $5 | Rates listed are projected rates. A penalty of $15 is charged for early withdrawals. |
Who can join Chattanooga Federal Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, and family members of BlueCross BlueShield of Tennessee are eligible for membership.
- Employees of several employer groups served by the credit union are eligible for membership.
Military, government and schools
- Employees, retirees, and family members of the Federal government are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, legal adoption, or legal guardianship) of eligible members are eligible for membership.
Cost to join
- A $25 minimum Share Account balance is required to maintain membership and represent shares of ownership.
Membership information collected October 5, 2026.