Credit union · NCUA insured
EPB EMPLOYEES CREDIT UNION Savings Rates
EPB EMPLOYEES CREDIT UNION’s best savings rate is 2.00% APY on $10,000, with its Money Market Share Account. Rates checked October 15, 2026.
How EPB EMPLOYEES CREDIT UNION’s savings rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where EPB EMPLOYEES CREDIT UNION has the most branches. $10,000, best rate first.
This credit union’s best
EPB EMPLOYEES CREDIT UNION
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Money Market Share Account
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
EPB EMPLOYEES CREDIT UNION savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 EPB 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.
Money Market Share Account
2.00%APY
Must maintain a Primary Share Savings Account. No more than 3 withdrawals and 6 transfers permitted per month. Minimum deposit is $50.00; minimum withdrawal is $250.00. No fees for this type of share savings investment. Dividends are earned daily and paid monthly (last day of each month), but will not be paid if balance falls below $2,500 during the dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance is $2,500 to earn dividends. Dividends will not be paid if the balance falls below $2,500 during the dividend period. Rate is subject to change each month without notice.$2,500 and up | 2.00% | $200 | Minimum balance is $2,500 to earn dividends. Dividends will not be paid if the balance falls below $2,500 during the dividend period. Rate is subject to change each month without notice. |
Kasasa Saver
Up to 0.25%APY
Exclusively available to those with a Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees and no minimum deposit to open. Earned checking rewards from Kasasa Cash can be automatically swept monthly into Kasasa Saver. Qualifications per Monthly Qualification Cycle: at least 12 debit card purchases, enrolled in and agree to receive eStatements, and enrolled in and log into online banking. Base rate applies if qualifications are not met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Qualifications met: at least 12 debit card purchases post and settle, enrolled in eStatements, and log into online banking per Monthly Qualification Cycle. | 0.25% | $25 | Qualifications met: at least 12 debit card purchases post and settle, enrolled in eStatements, and log into online banking per Monthly Qualification Cycle. |
| Any balanceBase rate if qualifications are not met. | 0.01% | $1 | Base rate if qualifications are not met. |
Sources (1)
- epbecu.org/savings-accounts · captured Oct 15, 2026
Primary Share Savings
0.01%APY
Must maintain a $30.00 minimum balance (par value of 6 shares at $5.00 each) to maintain membership. $1 membership fee required at opening unless child is six months or less in age. Dividends compounded and credited calendar quarterly. Average daily balance computation method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $30 and up | 0.01% | $1 |
Secondary Share Savings
0.01%APY
Must maintain a $30.00 minimum balance in the Primary Share Savings Account. No minimum balance requirement for additional share savings accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Special-purpose accounts
IRA Savings
2.00%APY
An EPBECU IRA Savings Account gives you the flexibility to make contributions throughout the year while earning dividends. For 2026, the combined contribution limit for Traditional and Roth IRAs is $7,500, or $8,600 if age 50 or older, subject to IRS eligibility requirements. Traditional IRA withdrawals before age 59 1/2 may be subject to an additional 10% federal tax unless an exception applies.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.00% | $200 |
Club Savings
0.01%APY
No service charge and no minimum balance requirement. Receives the same dividend rate as the Share Savings Account. Telephone transfers limited to two withdrawals per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceReceives the same dividend rate as the Share Savings Account.Any balance | 0.01% | $1 | Receives the same dividend rate as the Share Savings Account. |
Sources (3)
All captured Sep 18, 2026
Who can join EPB EMPLOYEES CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of current contractors of EPB & TAW are eligible for membership.
- Employees of the EPB Employees Credit Union are eligible for membership.
- Employees of EPB & TAW are eligible for membership.
- Retirees of EPB & TAW are eligible for membership.
Family and household
- Family of employees of EPB Employees Credit Union are eligible for membership.
- Family members (grandparents, parents, siblings, children, and grandchildren) of employees or retirees of EPB & TAW are eligible for membership.
Cost to join
- For babies up to six months of age, joining is free: the $1 processing fee is waived and the Credit Union starts the share account with the first $30.
- A one dollar processing fee is required for membership/ownership.
- A minimum initial deposit of $30 (6 shares at $5 par value each) into a primary share account is required for membership/ownership.
Membership information collected October 5, 2026.