Share Rates

Table data for Individual Accounts
Rates effective 05-04-2024
	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound
Regular Savings	0.15%	0.15%	$5.00	Quarterly

Regular Checking	0.00%	0.00%	$0.00	None

High-Yield Checking	1.98%	2.00%	$500.00	Monthly

Accumulation IRA	0.30%	0.30%	$25.00	Monthly

Jump Start Savings	2.97%	3.00%	$5.00	Quarterly

Christmas Club	0.10%	0.10%	$0.00	Quarterly

Vacation Savings	0.10%	0.10%	$0.00	Quarterly

Health Savings	0.75%	0.75%	$25.00	Monthly

APY = Annual Percentage Yield Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details. REGULAR SAVINGS: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. Ask for details. REGULAR CHECKING: Available to qualifying Members. Some restrictions may apply. Fees may apple. Ask for details. Must use eStatement for no-fee option. HIGH-YIELD CHECKING: APY = Annual Percentage Yield. Some restrictions may apply. Ask for details. High-Yield Checking is a tiered-rate account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. Rate subject to change. PREMIUM RATE of 2.00% APY is earned on balances between $500.00 and $15,000.00 when the following monthly qualifications are posted and settled within the monthly qualification cycle: • Make 15 debit card transactions • Log in to online/mobile banking at least once • Receive e-Statements • Have direct deposit NON-PREMIUM RATE of 0.00% APY is earned on balances of $499.99 or less. On balances over $15,000.00, 0.15% APY is earned or when premium qualifications are not met. When the account is closed, 0.15% APY applies for the month the account is closed. " See Account Disclosure for details. ACCUMULATION IRA: Some restrictions may apply. All rates and offerings are subject to change. Talk to a financial advisor regarding individual scenarios. Ask for details. JUMP START SAVINGS: Jump Start Savings is a tiered-rate account for minors age 17 or under. Must have a parent or legal guardian on the account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. APY = Annual Percentage Yield. Rate effective 05-04-24 and subject to change. PREMIUM RATE of 3.00% APY is earned on balances between $5.00 and $500.00. A minimum balance of $5.00 is required to earn the premium APY. NON-PREMIUM RATE of 0.15% APY minimum is earned on balances of $500.01 or more. When the account is closed, 0.15% APY applies for the month the account is closed. Some restrictions may apply. Ask for details. CHRISTMAS CLUB SAVINGS: Available to qualifying Members. The balance plus dividends are automatically deposited to your checking account. If a checking account is not available, the full balance will be deposited into your savings account. Funds are available the first week in October. Some restrictions may apply. Ask for details. VACATION SAVINGS: APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions may apply. Ask for details. HEALTH SAVINGS: Consult with your tax advisor to determine your specific tax situation. Certificate withdrawal restrictions apply. Additional terms and conditions may apply. Must be age 18 or older to apply. A Certfiicate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. All rates and offerings are subject to change. There is a charge for non-club checks.

Table data for Certificate/IRA Certificate Accounts
Rates effective 05-04-2024
Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound	Alert Me
6 Months	0.30%	0.30%	$2,500.00	Monthly	Receive a notification when this rate changes

12 Months	0.35%	0.35%	$2,500.00	Monthly	Receive a notification when this rate changes

18 Months	0.40%	0.40%	$500.00	Monthly	Receive a notification when this rate changes

24 Months	0.55%	0.55%	$500.00	Monthly	Receive a notification when this rate changes

30 Months	0.60%	0.60%	$500.00	Monthly	Receive a notification when this rate changes

36 Months	0.65%	0.65%	$500.00	Monthly	Receive a notification when this rate changes

42 Months	0.70%	0.70%	$500.00	Monthly	Receive a notification when this rate changes

48 Months	0.75%	0.75%	$500.00	Monthly	Receive a notification when this rate changes

60 Months	0.85%	0.85%	$500.00	Monthly	Receive a notification when this rate changes

APY = Annual Percentage Yield Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details. APY = Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Certificate Accounts with an initial minimum of $100,000.00 may add 0.10 to the dividend rate above. Certificate Accounts with an initial minimum of $250,000.00 may add 0.20 to the dividend rate above. IRA Certificates may add 0.10 to the dividend rate above. Some restrictions may apply. Ask for details. Talk to a financial advisor regarding individual scenarios. There is a charge for non-club checks.

Table data for Member-Managed Funds Account
Rates Effective 05-04-2024
Minimum Balance	$2,500.00	$25,000.00	$50,000.00	$100,000.00
Annual Percentage Yield (APY)	0.20%	0.25%	0.35%	0.45%

Dividend Rate	0.20%	0.25%	0.35%	0.45%

Dividend Compound	Monthly	Monthly	Monthly	Monthly

APY = Annual Percentage Yield Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. In accordance with Regulation D, Member-Managed Savings Accounts offer six non-signature transfers per month. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.

Table data for Educational Savings Plan
Rates effective 05-04-2024
Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound	Alert Me
36 thru 60 months	0.70%	0.70%	$0.00	Monthly	Receive a notification when this rate changes

61 thru 120 months	1.20%	1.21%	$0.00	Monthly	Receive a notification when this rate changes

121 months or more	1.45%	1.46%	$0.00	Monthly	Receive a notification when this rate changes

APY = Annual Percentage Yield Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details. APY = Annual Percentage Yield. Rates current as of posted rate table. No minimum opening deposit. Must be open for a minimum of three years and pays out on your child’s college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details.