Credit union · NCUA insured
Tennessee Military Federal Credit Union Savings Rates
Tennessee Military Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its HERO ACCOUNT. Rates checked October 15, 2026.
How Tennessee Military Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Knoxville, TN, where Tennessee Military Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tennessee Military Federal Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
HERO ACCOUNT
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 Military Federal Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.01%
- QualifiedQualified0.50%
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 Military 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.
HERO ACCOUNT
Up to 0.50%APY
Hero/ Money Market account. Dividends credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.25% | $25 |
| $10,000 and up | 0.50% | $50 |
| $50,000 and up | 0.75% | — |
| $100,000 and up | 1.01% | — |
Hero Account
Up to 0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.25% | $25 |
| $10,000 and up | 0.50% | $50 |
| $50,000 and up | 0.75% | — |
| $100,000 and up | 1.01% | — |
Sources (1)
- tmfcu.net/rates · captured Sep 18, 2026
REGULAR SHARE
0.10%APY
Dividends credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up0.10% Dividend Rate; Dividends credited quarterly$5 and up | 0.10% | $10 | 0.10% Dividend Rate; Dividends credited quarterly |
SECONDARY SHARES
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- tmfcu.net/rates · captured Sep 18, 2026
Special-purpose accounts
IRA SAVINGS
0.30%APY
Includes Traditional IRA, Roth IRA, and ESA IRA Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to ESA IRA Savings, Roth IRA Savings, and Traditional IRA SavingsAny balance | 0.30% | $30 | Applies to ESA IRA Savings, Roth IRA Savings, and Traditional IRA Savings |
CHRISTMAS CLUB
0.10%APY
Savings paid out on October 1st. Dividends credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance0.10% Dividend Rate; Dividends credited quarterly; Savings paid out on October 1stAny balance | 0.10% | $10 | 0.10% Dividend Rate; Dividends credited quarterly; Savings paid out on October 1st |
VACATION CLUB
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- tmfcu.net/rates · captured Sep 18, 2026
Who can join Tennessee Military Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of American Legion Post 13 located in Maryville, TN are eligible for membership.
- Contractors and employees of contractors who work regularly at McGhee-Tyson Air Base at Knoxville, TN, under contract with the U.S. Government are eligible for membership.
- Employees and voting members of Tennessee Veterans’ Business Association in Knoxville, TN are eligible for membership.
- Employees and members of VFW Post 1733 in Knoxville, TN are eligible for membership.
- Employees and members of VFW Post 5154 in Louisville, TN are eligible for membership.
Military, government and schools
- Employees of Navy Operational Support Center who work in Knoxville, TN are eligible for membership.
5 more ways to join
Military, government and schools
- Members and employees of the Tennessee National Guard (with some exceptions) are eligible for membership.
- Civilian and military employees of the U.S. Government who work regularly in Knox and Blount Counties, TN (with some exceptions) are eligible for membership.
- Honorably discharged veterans who served in any of the Armed Services of the United States are eligible for membership.
Family and household
- Persons retired as pensioners or annuitants from qualifying employment and members of their immediate families are eligible for membership.
- Spouses of persons who died within the field of membership are eligible for membership.
Membership information collected October 5, 2026.