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Membership Details
Dreams thrive here
Join us and experience a financial partner who puts you first.
Count on us as your trusted advisor—offering personalized guidance, low-cost loans and savings options, and exceptional value tailored to your financial goals.
Individual and Family Membership Benefits
Enjoy Lifetime Membership
At TENCU, we focus on our members—you. We return surplus funds through dividends, better rates, and lower fees, giving you more value every step of the way.
Personalized Service
Our Member Service Representatives work closely with you to explain our products, answer questions, and find solutions that fit your life. We offer a full range of deposit and loan products—including mortgages, Teen accounts, and more.
Better Rates
We offer competitive rates to help your money work harder—lower rates on loans and credit cards, and higher yields on savings accounts.
Anytime Account Access
We make it easy to manage your money on your schedule. Access your accounts anytime through free online banking and the TENCU Mobile App.
Checking Accounts
Elevate your banking with TENCU's free and feature-rich checking options. Enjoy easy access to your funds, seamless transactions, and innovative features that take your checking experience to the next level.
National Network of Convenience
Access over 30,000 surcharge-free ATMs and 5,000 CO-OP Shared Branches across the U.S. Handle your banking at any of these locations just like you would at a TENCU branch. Convenient access is always nearby, whether at home, work, or on the go.
Member Discounts
Make your money go further with exclusive member discounts on a wide range of goods and services.
Insurance Options
Protect yourself and your belongings with low-cost insurance options—including term life, home and auto coverage, extended vehicle warranties, and GAP insurance.
Special Offers
TENCU regularly features special offers and promotions. The offers change throughout the year and are another way for us to say "thank you" to our valued members.
Trusted Advice
We help you make wise financial choices. Our experienced Member Service Representatives and Loan Officers offer phone, in-person, and guidance. Through TENCU Wealth Management1, you can also schedule retirement planning consultations.
Financial Calculators – Financial Topics & Videos
Use our financial calculators to model payments, estimate interest, and decide how much to borrow or save. Explore our regularly updated library of financial articles, blogs, videos, and infographics for helpful insights on a wide range of topics.
Try Our Financial Calculators Explore Our Chronicles
Community & Educational Events
We participate in many events throughout the year in and around our ten branch locations.
Vehicle Resources
Find your next ride at the right price. Use our new and used vehicle resources to improve your car-buying experience.
Auto & Home Insurance
As a member of TENCU, you have access to a member discount on auto, home, and renters' insurance from Travelers. Plus, if Travelers isn’t the right fit at this time, you can compare quotes from up to 50 national and regional carriers through InsuraMatch, a wholly owned agency of Travelers.
Exclusive Perks
Tax Services
Get a bigger discount this tax season with savings of 20% on TurboTax federal products. Hand off your taxes, get help from experts, or file on your own – with TurboTax, America's #1 tax preparation provider.
Get expert tax help and the best-in-market offer of saving up to $25 on H&R Block professional tax prep. Have your taxes done by a tax pro in an office, via video, or by phone—with H&R Block, experience counts.
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