Credit union · NCUA insured
Tennessee Members 1st Federal Credit Union Savings Rates
Tennessee Members 1st Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Tennessee Members 1st Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Knoxville, TN, where Tennessee Members 1st Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tennessee Members 1st Federal Credit Union
1.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $150
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
Tennessee Members 1st Federal Credit Union savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.50%
- QualifiedQualified1.50%
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 Tennessee Members 1st 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.
Money Market
1.50%APY
Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 1.50% | $150 |
| $25,000 – $49,999 | 1.75% | — |
| $50,000 – $99,999 | 2.00% | — |
| $100,000 and up | 2.50% | — |
Sources (1)
- mymembersfirst.org/rates · captured Oct 5, 2026
Regular Shares (01)
0.10%APY
Initial $5.00 deposit establishes membership. Maximized via Payroll Deduction Plan or Direct Deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
All captured Oct 5, 2026
Additional Savings (09 – 15)
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- mymembersfirst.org/rates · captured Oct 5, 2026
Special-purpose accounts
First Step Savings
1.00%APY
Youth savings account available to individuals ages 0-18. Requires parent or guardian as joint member. Primary member must be eligible for credit union membership. First $10 deposit matched for first 100 qualifying accounts open for min 6 months.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500 | 5.00% | — | |
| Over $500The Share (01) rate is earned on any amount equaling or in excess of $500.01. | 1.00% | $100 | The Share (01) rate is earned on any amount equaling or in excess of $500.01. |
Sources (3)
All captured Oct 5, 2026
IRA Shares
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (1)
- mymembersfirst.org/rates · captured Oct 5, 2026
Christmas Club (08)
0.05%APY
Deposit money throughout the year; funds dispersed into chosen account in September.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join Tennessee Members 1st 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
- Everyone who lives, works, worships, or attends school in Anderson, Knox, and Roane counties is eligible for membership.
Cost to join
- Membership requires opening a savings account with a minimum initial deposit of $5.00.
Membership information collected October 5, 2026.