Credit union · NCUA insured
TVA Community Credit Union Savings Rates
TVA Community Credit Union’s best savings rate is 0.20% APY on $10,000, with its Regular Shares. Rates checked October 22, 2026.
How TVA Community Credit Union’s savings rates compare
Compared with banks and credit unions near Florence, AL, where TVA Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TVA Community Credit Union
0.20%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $20
Regular Shares
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
First Southern Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
TVA Community Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 TVA Community 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 Shares
0.20%APY
To maintain membership, members must own a minimum of one share ($25 in a share account). Dividends accrue on account balances of $100 or more and are declared at the end of each quarter. Unlimited in-branch or PIN-based ATM withdrawals; limit of 6 withdrawals per month for ACH, telephone, or electronic transfers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends accrue on balances of $100 or more. Minimum $100. Minimum deposit of $25 required to maintain membership.$100 and up | 0.20% | $20 | Dividends accrue on balances of $100 or more. Minimum $100. Minimum deposit of $25 required to maintain membership. |
Special-purpose accounts
Christmas Club
0.20%APY
Earns the same dividend as regular shares, paid quarterly. Funds are disbursed on November 15th of each year via check, transfer to savings/checking, or left for withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns the same dividend as regular shares (paid quarterly). Funds disbursed annually on November 15th. Dividends accrue on balances of $100 or more.$100 and up | 0.20% | $20 | Earns the same dividend as regular shares (paid quarterly). Funds disbursed annually on November 15th. Dividends accrue on balances of $100 or more. |
Club Accounts
0.20%APY
Offers up to ten club accounts for specific savings goals. All club accounts earn the same dividend as regular shares, paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns the same dividend as regular shares (paid quarterly). Dividends accrue on account balances of $100 or more.$100 and up | 0.20% | $20 | Earns the same dividend as regular shares (paid quarterly). Dividends accrue on account balances of $100 or more. |
IRA Shares
0.20%APY
Early withdrawal penalties apply. Quoted rates subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100. Early withdrawal penalties apply.$100 and up | 0.20% | $20 | Minimum $100. Early withdrawal penalties apply. |
Sources (1)
- tvaccu.com/apply-today · captured Sep 19, 2026
Who can join TVA Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals in the seven North Alabama counties of Colbert, Lauderdale, Limestone, Marshall, Morgan, Lawrence and Franklin.
Membership information collected October 4, 2026.