Knoxville Teachers Federal Credit Union High-Yield Savings & Money Market Rates

How Knoxville Teachers Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Knoxville, TN, where Knoxville Teachers Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Knoxville Teachers Federal Credit Union
0.10%APY
Minimum
$250
Earns on $10,000 a year
$10
Regular Share Account
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
Minimum
$0
Earns on $10,000 a year
$428
Knoxville TVA Employees Credit Union rates
2nd-highest rate
SmartBank
4.00%APY
Minimum
$2,500
Earns on $10,000 a year
$400
SmartBank rates

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Savings score

Higher than 18% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.10%
$100,000 balance$100,0003.30%
QualifiedQualified0.10%

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.

How the score works →

Where Knoxville Teachers 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.

Regular Share Account

0.10%APYPromotional$250 to open

Membership requires a regular share account. Member must maintain a minimum balance in the primary shares (savings) account of $250.00. Savings accounts earn dividends each quarter with no monthly fees of any kind including maintenance, transaction, dormancy or inactivity fees. Dividends are paid on all funds on deposit, including the minimum balance, and any funds on deposit above $250 may be deposited and withdrawn with no restrictions. No more than six Limited Transfers may be made from any share Account in any calendar month. ATM cards are available.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $20,000Applies to all funds under $20,000.00. Compounded quarterly. Rates approved at the end of the quarter.	0.10%	$10	Applies to all funds under $20,000.00. Compounded quarterly. Rates approved at the end of the quarter.
Up to $20,0003rd Quarter dividend rate earned on shares under $20,000.	0.10%	$10	3rd Quarter dividend rate earned on shares under $20,000.
$20,000 and upApplies to all funds over $20,000.00. Compounded quarterly. Rates approved at the end of the quarter.	3.85%	—	Applies to all funds over $20,000.00. Compounded quarterly. Rates approved at the end of the quarter.
$20,000 and up3rd Quarter dividend rate earned on shares over $20,000.	3.20%	—	3rd Quarter dividend rate earned on shares over $20,000.
$20,000 and up4th Quarter dividend rate earned on shares over $20,000.	3.30%	—	4th Quarter dividend rate earned on shares over $20,000.

Sources (4)

All captured Oct 5, 2026

Special-purpose accounts

IRA Share Account

Up to 3.85%APYIRAPromotional

Offers Traditional, Roth, Educational and Simplified Employee Pension IRAs. All IRAs earn premium share rates on the full balance with no administrative or annual fees. Depositors over 50 qualify for annual catch-up deposits. Compounded quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceApplies to all IRA funds. Compounded quarterly. Rates approved at the end of the quarter.Any balance	3.85%	$385	Applies to all IRA funds. Compounded quarterly. Rates approved at the end of the quarter.
Any balance3rd Quarter dividend rate earned on IRA.Any balance	3.19%	$319	3rd Quarter dividend rate earned on IRA.
Any balance4th Quarter dividend rate earned on IRA.Any balance	3.29%	$329	4th Quarter dividend rate earned on IRA.

Sources (3)

All captured Oct 5, 2026

Who can join Knoxville Teachers Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Military, government and schools

Teachers and other employees of Knox County Schools, as well as public, private, and parochial schools in Knox and surrounding counties, are eligible for membership.

Family and household

Immediate family members (mothers, fathers, sisters, brothers, sons, and daughters) of qualifying school employees are eligible to join.

Cost to join

Joining requires creating a regular share account and maintaining a minimum balance of $250.00 in the primary shares (savings) account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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