Credit union · NCUA insured
UT Federal Credit Union Savings Rates
UT Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How UT Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Knoxville, TN, where UT Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UT Federal Credit Union
0.10%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $10
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
UT Federal Credit Union savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
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 UT 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.
U Save Round-Up Account
5.00%APY
Turns spare change into savings by rounding up UTFCU debit card purchases to nearest dollar and automatically transferring difference to U Save account. No other deposit methods are permitted into the U Save account. Funds can be withdrawn at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate effective 5.21.2025. Rate is subject to change or end at any time. No other deposit methods are permitted into the U Save account. Funds can be withdrawn at any time. Maintenance or activity fees could reduce earnings. Federally insured by NCUA.Any balance | 5.00% | $500 | Rate effective 5.21.2025. Rate is subject to change or end at any time. No other deposit methods are permitted into the U Save account. Funds can be withdrawn at any time. Maintenance or activity fees could reduce earnings. Federally insured by NCUA. |
Sources (2)
All captured Oct 5, 2026
U Earn Savings
Up to 3.65%APY
Tiered high-yield savings account. Minimum deposit of $25,000. Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $99,999Requires maintaining a UTFCU consumer checking account and receiving at least $500 in total direct deposits per month; otherwise earns regular share rate. Minimum deposit of $25,000. Federally insured by NCUA. | 2.75% | — | Requires maintaining a UTFCU consumer checking account and receiving at least $500 in total direct deposits per month; otherwise earns regular share rate. Minimum deposit of $25,000. Federally insured by NCUA. |
| $100,000 – $249,999Requires maintaining a UTFCU consumer checking account and receiving at least $500 in total direct deposits per month; otherwise earns regular share rate. Minimum deposit of $25,000. Federally insured by NCUA. | 3.25% | — | Requires maintaining a UTFCU consumer checking account and receiving at least $500 in total direct deposits per month; otherwise earns regular share rate. Minimum deposit of $25,000. Federally insured by NCUA. |
| $250,000 and upRequires maintaining a UTFCU consumer checking account and receiving at least $500 in total direct deposits per month; otherwise earns regular share rate. Minimum deposit of $25,000. Federally insured by NCUA. | 3.65% | — | Requires maintaining a UTFCU consumer checking account and receiving at least $500 in total direct deposits per month; otherwise earns regular share rate. Minimum deposit of $25,000. Federally insured by NCUA. |
Sources (1)
- utfcu.org/personal/accounts/savings-accounts · captured Oct 5, 2026
Money Market
0.10%APY
Minimum deposit for account opening is $2,000. Dividend rate compounded monthly. No monthly service charge. Maintenance or activity fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,999Tier applies to balances up to $1,999. Minimum opening deposit is $2,000. | 0.05% | — | Tier applies to balances up to $1,999. Minimum opening deposit is $2,000. |
| $2,000 – $9,999Tier applies to balances $2,000-$9,999. Minimum opening deposit is $2,000. | 0.05% | — | Tier applies to balances $2,000-$9,999. Minimum opening deposit is $2,000. |
| $10,000 – $24,999Tier applies to balances $10,000-$24,999. Minimum opening deposit is $2,000. | 0.10% | $10 | Tier applies to balances $10,000-$24,999. Minimum opening deposit is $2,000. |
| $25,000 – $49,999Tier applies to balances $25,000-$49,999. Minimum opening deposit is $2,000. | 0.15% | — | Tier applies to balances $25,000-$49,999. Minimum opening deposit is $2,000. |
| $50,000 and upTier applies to balances $50,000 and up. Minimum opening deposit is $2,000. | 0.20% | — | Tier applies to balances $50,000 and up. Minimum opening deposit is $2,000. |
Sources (1)
- utfcu.org/personal/checking-and-savings/money-market · captured Oct 5, 2026
Regular Shares
0.05%APY
Shares insured up to $250,000 by NCUA. Maintenance or activity fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaintenance or activity fees could reduce earnings on the account. Federally insured by NCUA up to $250,000.Any balance | 0.05% | $5 | Maintenance or activity fees could reduce earnings on the account. Federally insured by NCUA up to $250,000. |
Sources (1)
- utfcu.org/personal/accounts/savings-accounts · captured Oct 5, 2026
Special-purpose accounts
Youth Shares
0.05%APY
Junior Owner Savings Program for youth until they turn 18. Each age group receives its own set of perks. Free paper statements. Safer than a piggy bank – NCUA insured.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,5001.00% APY until they turn 18 on balances up to $2,500. Maintenance or activity fees could reduce earnings. Shares insured up to $250,000 by NCUA. | 1.00% | — | 1.00% APY until they turn 18 on balances up to $2,500. Maintenance or activity fees could reduce earnings. Shares insured up to $250,000 by NCUA. |
| $2,500 and upRate on portion of balance over $2,500. Maintenance or activity fees could reduce earnings. Shares insured up to $250,000 by NCUA. | 0.05% | $5 | Rate on portion of balance over $2,500. Maintenance or activity fees could reduce earnings. Shares insured up to $250,000 by NCUA. |
Sources (1)
- utfcu.org/personal/checking-an…ife-stage/youth-accounts · captured Oct 5, 2026
Holiday Club
0.50%APY
Dividends compounded annually. Account funds automatically deposited to designated UTFCU account. Account automatically renews each year. Early withdrawal penalty results in a loss of all dividends and the account is closed until November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo service charges. No minimum balance. Maintenance or activity fees could reduce earnings. Federally insured to $250,000 by NCUA. Early withdrawal penalty results in a loss of all dividends and the account is closed until November 1.Any balance | 0.50% | $50 | No service charges. No minimum balance. Maintenance or activity fees could reduce earnings. Federally insured to $250,000 by NCUA. Early withdrawal penalty results in a loss of all dividends and the account is closed until November 1. |
Sources (2)
All captured Oct 5, 2026
Cumulative IRA
0.10%APY
Individual Retirement Account share product. Federally insured up to $250,000. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 for Share. No monthly service charge. IRAs insured for up to $250,000 by NCUA. Maintenance or activity fees could reduce earnings.$100 and up | 0.10% | $10 | Minimum balance of $100 for Share. No monthly service charge. IRAs insured for up to $250,000 by NCUA. Maintenance or activity fees could reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Health Savings Account
0.10%APY
Must be under age 65, covered by a high deductible health plan (HDHP), not listed as a dependent on anyone's tax return, and not receiving Medicare benefits. Dividends compound quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Keep a minimum monthly balance of $200.00 to avoid a monthly service fee of $1.95. Federally insured up to $250,000 by NCUA. Maintenance or activity fees could reduce earnings.Over $0 | 0.10% | $10 | Keep a minimum monthly balance of $200.00 to avoid a monthly service fee of $1.95. Federally insured up to $250,000 by NCUA. Maintenance or activity fees could reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Who can join UT 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
- Membership is open to anyone who lives, works, worships, conducts business, or attends school in Anderson, Blount, Knox, Loudon, and Union counties in Tennessee.
Cost to join
- Membership requires an initial share deposit of $5.00 into a savings share account.
Membership information collected October 5, 2026.