Credit union · NCUA insured
Enrichment Federal Credit Union Savings Rates
Top CarrotEnrichment Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Enrichment Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Knoxville, TN, where Enrichment Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Enrichment Federal Credit Union
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Enrichment Federal Credit Union savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.25%
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 Enrichment 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.
Ownership Rewards
5.12%APY
Earns dividends on qualifying patronage deposits made on the member's behalf by Enrichment FCU. Withdrawals allowed at any time. Dividends compounded and credited monthly. Account restrictions apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplicable to qualifying patronage deposits made by Enrichment FCU on member's behalf. Dividends compound and credit monthly.Any balance | 5.12% | $512 | Applicable to qualifying patronage deposits made by Enrichment FCU on member's behalf. Dividends compound and credit monthly. |
Sources (3)
- enrichmentfcu.org/rates
- enrichmentfcu.org/savings-account-disclosures
- enrichmentfcu.org/personal/savings
All captured Oct 15, 2026
Money Market
0.25%APY
Tiered rate account; once a particular balance range is met, the dividend rate and APY for that balance range apply to the full balance of the account. Requires maintaining membership share of 1 share ($5.00 par value). Must maintain minimum daily balance required for the dividend period to earn disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 0.75% | — |
| $100,000 – $250,000 | 1.25% | — |
| $250,000 and up | 1.50% | — |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.10%APY
$5.00 opening deposit is placed on hold for the life of the account as par value of one share required for credit union membership. Minimum daily balance required to earn the stated APY. Dividends compound and credit monthly, calculated using the daily balance method. If account is closed before accrued dividends are credited, accrued dividends will not be received. Free ATM/Debit card, online banking, e-statements, and no monthly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum daily balance required to earn APY. Dividends compound and credit monthly.Any balance | 0.10% | $10 | Minimum daily balance required to earn APY. Dividends compound and credit monthly. |
Sources (3)
- enrichmentfcu.org/rates
- enrichmentfcu.org/savings-account-disclosures
- enrichmentfcu.org/personal/savings
All captured Oct 15, 2026
U Name It Savings
0.10%APY
Customizable savings account to save for specific goals (e.g., vacation, car expenses, weddings, rainy day). ATM access is not available. No account limitations apply. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and credit monthly.Any balance | 0.10% | $10 | Dividends compound and credit monthly. |
Sources (3)
- enrichmentfcu.org/rates
- enrichmentfcu.org/savings-account-disclosures
- enrichmentfcu.org/personal/savings
All captured Oct 15, 2026
Auto Escrow
0.05%APY
Auto escrow savings account. No account limitations apply. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and credit monthly.Any balance | 0.05% | $5 | Dividends compound and credit monthly. |
Sources (2)
All captured Oct 15, 2026
Mortgage Escrow
0.05%APY
Mortgage escrow savings account. No account limitations apply. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and credit monthly.Any balance | 0.05% | $5 | Dividends compound and credit monthly. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.30%APY
Available to adults covered under an HSA-qualified high-deductible health plan (HDHP), with no other first-dollar medical coverage, not enrolled in Medicare, and not claimed as a dependent on someone else's tax return. No maintenance fees, no minimum opening deposit. Includes free debit card. Roll over funds year-to-year. Earnings and distributions for qualifying medical expenses are tax-free. Non-medical distributions subject to income tax and 20% IRS penalty (prior to age 65).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum opening deposit and no maintenance fees. Dividends compound and credit monthly.Any balance | 0.30% | $30 | No minimum opening deposit and no maintenance fees. Dividends compound and credit monthly. |
Sources (3)
- enrichmentfcu.org/rates
- enrichmentfcu.org/savings-account-disclosures
- enrichmentfcu.org/health-savings-accounts
All captured Oct 15, 2026
IRA Variable Savings
0.25%APY
Starter retirement savings account with variable rates. Contributions allowed at any time up to the IRS annual limit. Dividends compounded and credited monthly. Available under Traditional, Roth, SEP, Inherited, or Coverdell IRA plans. No account limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Contributions allowed anytime up to IRS limits. Dividends compound and credit monthly.Any balance | 0.25% | $25 | Variable rate. Contributions allowed anytime up to IRS limits. Dividends compound and credit monthly. |
Sources (3)
All captured Oct 15, 2026
Christmas Club
0.10%APY
Funds become available October 1st (transferred to another designated account on or after September 30) and the account remains open. Withdrawals are not permitted at any other time unless the account is closed. ATM access is not available. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds transferred on or after September 30 / available October 1st. Early withdrawal requires account closure. Dividends compound and credit monthly.Any balance | 0.10% | $10 | Funds transferred on or after September 30 / available October 1st. Early withdrawal requires account closure. Dividends compound and credit monthly. |
Sources (3)
- enrichmentfcu.org/rates
- enrichmentfcu.org/savings-account-disclosures
- enrichmentfcu.org/personal/savings
All captured Oct 15, 2026
Who can join Enrichment 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 those who live, work, worship, or attend school in Anderson, Blount, Claiborne, Knox, Loudon, Morgan, Roane, Scott, or Union Counties.
Membership information collected October 5, 2026.