Credit union · NCUA insured
New South Credit Union Savings Rates
New South Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How New South Credit Union’s savings rates compare
Compared with banks and credit unions near Knoxville, TN, where New South Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New South Credit Union
0.35%APY
- Minimum
- —
- Earns on $10,000 a year
- $35
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
New South Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.35%
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 New South 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
0.35%APY
Tiered-rate insured money market account. Rates subject to change without notice. Minimum and maximum balance requirements may apply and affect the amount of interest earned. Deposits and withdrawals (up to 5 per month) may be made anytime with no maturity date restrictions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.25% | — |
| $10,000 – $24,999 | 0.35% | $35 |
| $25,000 and up | 0.45% | — |
Sources (3)
All captured Sep 24, 2026
Primary & Secondary Savings
0.15%APY
To establish membership with New South, an individual is required to open a primary savings account with a $5 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
Up to 3.00%APY
Balance transfers/payout on September 30th. Maximum deposit limited to $3,000 annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Balance transfers September 30th.Up to $3,000 | 3.00% | — | Balance transfers September 30th. |
| Up to $3,000Balance transferred to S-1 on Sept. 30th (maximum deposit limited to $3000 annually).Up to $3,000 | 1.00% | — | Balance transferred to S-1 on Sept. 30th (maximum deposit limited to $3000 annually). |
Sources (3)
All captured Sep 18, 2026
Vacation Club
Up to 3.00%APY
Balance transfers/payout on March 31st. Maximum deposit limited to $3,000 annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Balance transfers on March 31st.Up to $3,000 | 3.00% | — | Balance transfers on March 31st. |
| Up to $3,000Balance transferred to S-1 on March 31st (maximum deposit limited to $3000 annually).Up to $3,000 | 1.00% | — | Balance transferred to S-1 on March 31st (maximum deposit limited to $3000 annually). |
Sources (3)
All captured Sep 18, 2026
IRA Traditional & Roth Savings
0.50%APY
Traditional and Roth IRA savings tiers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.50% | $50 |
| $25,000 and up | 0.75% | — |
Sources (3)
All captured Sep 18, 2026
Who can join New South Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, or worships in Knox County, TN, Grainger County, TN, or Union County, TN is eligible for membership.
Family and household
- Anyone related by blood or marriage to a current or eligible New South member is eligible for membership.
Cost to join
- Membership is free, requiring a share deposit of at least $5 into a primary savings account to become a shareholder and member-owner.
Membership information collected October 5, 2026.