Tennessee Valley Federal Credit Union Savings & Money Market Rates

How Tennessee Valley Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Chattanooga, TN-GA, where Tennessee Valley Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Tennessee Valley Federal Credit Union
2.55%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$255
Money Market Accounts
Top rate
SmartBank
4.00%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$400
SmartBank rates
2nd-highest rate
FirstBank
3.40%APY
Requires
Another account
Minimum
$50
Earns on $10,000 a year
$340
FirstBank rates

Compare savings rates near you →

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.30%
$10,000 balance$10,0002.55%
$100,000 balance$100,0003.00%
QualifiedQualified2.55%

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 Tennessee Valley 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 Accounts

2.55%APY$2,500 to open

Limited to 6 free withdrawals or transfers per statement period; $3 fee for each transaction exceeding these limits. $15 monthly service fee waived with $2,500 minimum balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $9,999Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).	2.50%	—	Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
$10,000 – $24,999Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).	2.55%	$255	Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
$25,000 – $49,999Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).	2.70%	—	Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
$50,000 – $99,999Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).	2.95%	—	Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
$100,000 – $149,999Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).	3.00%	—	Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
$150,000 – $199,999Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).	3.05%	—	Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
$200,000 and upMonthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).	3.10%	—	Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).

Sources (3)

All captured Sep 18, 2026

Share Accounts

0.30%APY

Establishes membership with TVFCU. $1 fee for each paper statement for members aged 18 to 65 (avoidable by enrolling in eStatements).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompetitive dividends on entire balance.Any balance	0.30%	$30	Competitive dividends on entire balance.

Sources (4)

All captured Oct 9, 2026

Special-purpose accounts

Individual Retirement Accounts (IRAs) - Tiered Savings

2.55%APYIRA

Traditional, Roth, and Coverdell ESA options available. No setup or maintenance fees. Consult tax advisor for eligibility and tax advantages.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $9,999Deposit Amount: Less than $10,000.	2.50%	—	Deposit Amount: Less than $10,000.
$10,000 – $24,999Deposit Amount: $10,000 - $24,999.	2.55%	$255	Deposit Amount: $10,000 - $24,999.
$25,000 – $49,999Deposit Amount: $25,000 - $49,999.	2.70%	—	Deposit Amount: $25,000 - $49,999.
$50,000 – $99,999Deposit Amount: $50,000 - $99,999.	2.95%	—	Deposit Amount: $50,000 - $99,999.
$100,000 – $149,999Deposit Amount: $100,000 - $149,999.	3.00%	—	Deposit Amount: $100,000 - $149,999.
$150,000 – $199,999Deposit Amount: $150,000 - $199,999.	3.05%	—	Deposit Amount: $150,000 - $199,999.
$200,000 and upDeposit Amount: $200,000+.	3.10%	—	Deposit Amount: $200,000+.

Sources (3)

All captured Oct 9, 2026

Health Savings Account (HSA)

0.45%APYHSA

Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Non-qualified withdrawals are included as taxable income and are subject to a 10% penalty.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceEarn dividends above standard savings on entire balance.Any balance	0.45%	$45	Earn dividends above standard savings on entire balance.

Sources (1)

tvfcu.com/bank/savings/hsas · captured Oct 9, 2026

Christmas Club Accounts

0.30%APYClub$5 to open

Set aside funds year-round for holiday expenses. Automatic transfer of funds to your account on September 30. Competitive dividends on entire balance. No minimum balance requirements. Yes, there is a $10 penalty for early withdrawal of your Christmas Club Savings Account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompetitive dividends on entire balance.Any balance	0.30%	$30	Competitive dividends on entire balance.

Sources (1)

tvfcu.com/bank/savings/christmas/club · captured Oct 9, 2026

Club Accounts

0.30%APYClub

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.30%	$30

Sources (2)

All captured Oct 9, 2026

Youth Savings Accounts

0.30%APYKids and teens

Start young savers off on the right foot (up until age 19). Created under the youth's name with birth certificate and Social Security number required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceEarn competitive dividends on entire balance.Any balance	0.30%	$30	Earn competitive dividends on entire balance.

Sources (5)

All captured Oct 9, 2026

Who can join Tennessee Valley 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

Businesses or organizations operating within TVFCU's 17-county region are eligible for membership.
Individuals who live, work, worship, volunteer, or attend school in TVFCU's 17-county community are eligible for membership.

Employers and groups

Members of the Chattanooga Audubon Society are eligible for membership.

Family and household

Individuals who have a family member who is already a TVFCU member are eligible for membership.
Individuals who share a household with a member, including domestic partners or live-in relatives, are eligible for membership.
Individuals temporarily away from the household (such as a student or military service member) are eligible for membership.

Cost to join

TVFCU does not charge a membership fee.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Tennessee Valley Federal Credit Union overview

How Tennessee Valley Federal Credit Union’s savings rates compare

Tennessee Valley Federal Credit Union savings score

Current savings rates

Money Market Accounts

Share Accounts

Special-purpose accounts

Individual Retirement Accounts (IRAs) - Tiered Savings

Health Savings Account (HSA)

Christmas Club Accounts

Club Accounts

Youth Savings Accounts

Who can join Tennessee Valley Federal Credit Union

Where you live or work

Employers and groups

Family and household

Cost to join