Empower your organization with a Business Debit Account built to support real-world momentum. TEN Credit Union delivers rewarding features, seamless digital banking, and dependable support to keep your operations moving forward. With options tailored for a wide range of business models and growth stages, you can choose the account that fits your needs best.
Our Business Debit Accounts Include:
- Business Debit– Get simple per-item pricing and affordable everyday banking for growing businesses.
- Community Debit – Enjoy low monthly costs and scalable tiered pricing built exclusively for mission-driven organizations.
- Interest Business Debit– Access straightforward, high-volume pricing while earning steady returns that help your business grow.
The Perfect Account for Businesses on the Rise
The Business Debit Account is designed to keep your day-to-day operations running smoothly, with generous transaction limits and an affordable entry point that makes it easy to get started. Whether you're managing payroll, paying vendors, or handling everyday expenses, this account provides the flexibility and convenience your business needs to stay focused on growth.
Key Features
-
250 free transactions1 every month
-
Designed for growing businesses that need predictable, cost-effective banking
- Easy access to your funds for everyday business banking needs
What is required to open a business checking account with TENCU?
SOLE PROPRIETORSHIP
Acceptable ID for proprietor
Acceptable ID for all authorized signers
IRS letter issuing EIN—only required if sole proprietor has EIN. NOTE: If no EIN is available, the proprietor can use their SSN.
CLUB OR CIVIC ORGANIZATIONS
Acceptable ID for all officers
Acceptable ID for all authorized signers
Organization meeting minutes authorizing the account at TENCU, listing specific signers, and listing names of current officers.
IRS letter issuing EIN
Organizational governing documents such as: Bylaws, Constitution, Covenants, or Agreements
LIMITED LIABILITY COMPANY
Acceptable ID for all members of LLC
Acceptable ID for all authorized signers
*Beneficial Owners’ & Controller information
Recorded copy of Articles of Organization
Operating Agreement (required - if established)
IRS letter issuing EIN
“Active” registered status with the TN Secretary of State
CORPORATION
Acceptable ID for all principals/officers
Acceptable ID for all authorized signers
*Beneficial Owners’ & Controller information
Recorded copy of Articles of Incorporation / Charter
Corporate Bylaws & amendments
Corporate meeting minutes authorizing the account at TENCU, listing specific signers, and listing names of current officers.
IRS letter issuing EIN
“Active” registered status with the TN Secretary of State
GENERAL (GP) / LIMITED (LP) / LIMITED LIABILITY PARTNERSHIP (LLP)
Acceptable ID for all partners
Acceptable ID for all authorized signers
*Beneficial Owners’ & Controller information
(For GP) Partnership Agreement (required - if established)
(For LP/LLP) Partnership Agreement (required)
(For GP) If available – Recorded Statement of Partnership Authority
(For LP) Recorded copy of the Certificate of Limited Partnership
(For LLP) Recorded copy of the LLP Registration Statement
IRS letter issuing EIN
“Active” registered status with the TN Secretary of State
ADDITIONAL INFORMATION
*A BENEFICIAL OWNER IS:
• Each individual who owns 25% or more of the company.
• A Controller is one individual who has significant managerial responsibility for the company.
*BENEFICIAL OWNER/CONTROLLER IS REQUIRED FOR:
Limited Partnership (LP), Limited Liability Partnership (LLP), Limited Liability Company (LLC), Corporation, Business Trusts
*BENEFICIAL OWNER/CONTROLLER INFORMATION REQUIRED:
Name, Address, Date of birth, Social Security # or Tax Identification #
MISSING YOUR IRS EIN CONFIRMATION LETTER:
Contact IRS’s Business & Specialty Tax Line at 800.829.4933 for a replacement.
MISSING YOUR ENTITY FORMATION DOCUMENTS:
Visit TN Secretary of State at sos.tn.gov and search for form “ss-4461.pdf” to order a copy of your recorded Charter/Articles of Organization/Certificate and amendments and/or other entity documents sent to the state.
What are the benefits of a business debit account?
Business checking accounts allow you to have all of your business’s funds and financial records in one place — something that’s especially helpful when it’s time to file taxes, manage company expenses and profits, and more.
A business checking account enables you to easily accept all customer payments, increase customer trust, and can protect against personal liability.
At TENCU, you can easily manage your business checking account with our online and mobile banking options and thousands of easily accessible, fee-free ATMs nationwide.
What can I do with my business debit account?
With a business checking account you can make withdrawals, transfers, and deposits. You can also accept customer payments through a third-party merchant service provider.
Are TENCU's business debit accounts Secure?
All of our debit cards are secured with EMV-chips, and we offer eStatements for increased protection. Our mobile banking app secures your account information through biometric authentication capabilities such as face ID and fingerprint recognition.
Ready to open?
Visit your local branch to open a business checking account today. For any questions or concerns regarding a new or existing account, call our financial support experts at 844-468-3628
1$0.25/item charge in excess of stated number of free items
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
Longer terms are available.
| Loan Type | APR1 Starting At | Months |
|---|---|---|
| 2020 - Current New or Used Auto |
5.49% | 63 |
| 2015 - 2019 Used Auto |
5.74% | 63 |
| 2015 - Older Used Autos |
8.99% | 60 |
1APR = Annual Percentage Rate on Loan Accounts, effective April 23, 2025. All rates and terms are subject to change and individual credit approval. Membership with Ten Credit Union is required to obtain a loan. The Base Annual Percentage Rate (APR) is the advertised rate and may vary based on creditworthiness, vehicle age, mileage, and loan terms. Financing up to the retail value of the auto is available. For more information, please call 1-844-468-3628 or visit a Ten Credit Union branch to speak with a loan officer and determine the rate you qualify for.
Payment example: $10,000 borrowed at 5.49% APR for 60 months = $190.97/month.
Boat Loans
| Loan Type | APR1 Starting At | Months |
|---|---|---|
| 2025 - current New |
5.99% | 48 |
| 2024 - 2020 Used |
7.99% | 48 |
| 2019 - 2015 Used |
8.99% | 48 |
1APR = Annual Percentage Rate on Loan Accounts, effective January 2025. All rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. APR is based on the applicant's credit history, credit qualifications, the age of the vehicle, and loan terms. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn at any time. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Payment example: $10,000 borrowed at 5.99% APR for 60 months = $193.28/month.
Checking
$5 Minimum to Open
| Product | APY1 | Minimum to Earn Dividends | Dividends Credited2 |
|---|---|---|---|
| Experience Checking | 0.30% | $10,000 |
Monthly |
| Free Debit | 0% | $0.00 | |
| Restart Checking | 0% | $0.00 |
1 APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Money Market Rates
$2,500.00 Minimum to Open. Rate adjusted based on account balance.
| Account Balance | APY1 |
| $2,500 - $9,999.99 | 1.25% |
| Equal to or greater than $10,000 but less than $24,999.99 | 1.50% |
| Equal to or greater than $25,000 but less than $74,999.99 | 2.10% |
| Equal to or greater than $75,000 but less than $149,999.99 | 2.35% |
| Equal to or greater than $150,000 but less than $174,999.99 | 2.65% |
| Equal to or greater than $175,000 but less than $249,999.99 | 3.00% |
| Equal to or greater than $250,000 but less than $499,999.99 | 3.15% |
| Equal to or greater than $500,000 and above |
3.35% |
1 APY = Annual Percentage Yield. APY is subject to change without notice. Membership with Ten Credit Union is required to open a Money Market account. See the Money Market Disclosures for all other applicable terms.
Mortgage, Home Refinance, & Home Equity Loan Rates
Call us for our current low rates: (615) 244-1910.
1 APR = Annual Percentage Rate is a variable based on an index plus a margin. APR is based on the evaluation of the applicant’s credit qualifications and associated LTV ratio. Available on new HELOCs only. Your actual APR may vary. All balances will accrue interest at the variable APR in effect for your account. The variable APR, as low as 8.50% APR, is based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter, as stipulated by your original terms and conditions. The maximum APR is 18%. All rates and offers are current as of July 12, 2024, and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. Membership with Ten Credit Union is required to obtain a loan. Please get in touch with us for more information.
Motorcycle Loans
| Year | APR1 Starting At | Months | |
|---|---|---|---|
| 2025 - Current > 3,000 miles New |
5.99% | 48 | Longer terms available |
| 2024 - 2020 Used |
7.99% | 48 | Longer terms available |
| 2019 - 2015 Used |
8.99% | 48 | Longer terms available |
1APR = Annual Percentage Rate on Loan Accounts, effective January 2025. Rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. APR is based on the applicant's credit history, qualifications, the age of the vehicle, and loan terms. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn at any time. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Membership with Ten Credit Union is required to obtain a loan. This offer does not apply to loans currently financed by Ten Credit Union.
Payment example: $10,000 borrowed at 5.99% APR for 60 months = $193.28/month.
Personal Loans
| Loan Type | APR1 Starting At | Months | |
|---|---|---|---|
| Signature (Personal) | 10.99% | 24 | Longer Terms Available. |
| Personal Line of Credit | 13.15% | ||
| No Credit Loan | 17.99%3 | 12 | |
| Certificate Secured | Starting at Deposit APY2 + 2.00% | 36 | $3,000 Minimum Amount. Longer Terms Available. |
1APR = Annual Percentage Rate on Loan Accounts, effective January 2025. All rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. Rate and term are based on the evaluation of the applicant’s creditworthiness. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Offer is subject to change without notice. Membership with Ten Credit Union is required to obtain a loan. A 45-day deferral of the first payment is available on this loan. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 45-day deferral program is subject to change at any time.
2 APY = Annual Percentage Yield = APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3APR = annual percentage rate. Loans from $500 to $1,000 with terms up to 12 months. Two (2) No Credit Loans allowed per calendar year. Four (4) full monthly payments must be made before applying for the next No Credit Loan. Payment example: $1,000 borrowed at 17.99% APR for 12 months = $91.68/month.
Recreational Vehicle Loans
(Marine, RVs, Campers, ATV, and UTVs)
| Loan Type | APR1 Starting At | Months | |
|---|---|---|---|
| 2026 - 2025 | 5.99% (New) | 48 | Longer terms are available. |
| 2024 - 2020 | 7.99% (Used; Refinance) | 48 | Longer terms are available |
| 2019 - 2015 | 8.99% (Used; Refinance) | 48 | Longer terms are available |
| 2014 - Older | 10.74% (Used; Refinance) | 36 | Longer terms are available |
1 APR = Annual Percentage Rate on Loan Accounts, effective January 2025. Rates and terms are subject to change and individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. APR is based on the applicant's credit history and qualifications, the age of the vehicle, and loan terms. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn at any time. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Membership with Ten Credit Union is required to obtain a loan. This offer does not apply to loans currently financed by Ten Credit Union.
Payment example: $10,000 borrowed at 5.99% APR for 60 months = $193.28/month.
Rewards Debit
| Balance | Minimum Opening Deposit | Rate | APY | Dividends Credited2 |
|---|---|---|---|---|
| Experience Checking | 0.30% | $10,000 |
Monthly |
|
| Free Debit | 0% | $0.00 | ||
| Restart Checking | 0% | $0.00 |
Share Certificate & Share IRA Certificate Rates
$500 Minimum to Open
| Term | APY1 | Dividends Credited2 |
|---|---|---|
| 3 Month | 3.65% | Monthly |
| 6 Month | 3.45% | Monthly |
| 9 Month | 4.10% | Monthly |
| 12 Month | 3.65% | Monthly |
| 18 Month | 1.75% | Monthly |
| 24 Month | 1.85% | Monthly |
| 36 Month | 2.15% | Monthly |
| 48 Month | 2.15% | Monthly |
| 60 Month | 2.15% | Monthly |
1 APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Shares Rate Schedule
| Product | APY1 | Minimum to Open |
Minimum to Earn Dividends2 | Dividends Credited3 |
|---|---|---|---|---|
| Share Savings | 0.10% | $5.00 | $250.00 | Quarterly |
| Anytime Savings | 0.15% | $5.00 | $100.00 | Quarterly |
| Club Accounts | 0.15% | $5.00 | $100.00 | Quarterly |
| IRA Accumulation | 0.20% | $100.00 | $250.00 | Quarterly |
| Roth IRA | 0.20% | $100.00 | $250.00 | Quarterly |
1 APY = Annual Percentage Yield is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividends are earned quarterly and calculated using the average daily balance method.
3 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
VISA Rewards Credit Card
| APR1 Starting At | Months | |
|---|---|---|
| 14.15% | N/A | No Annual Fee; No Balance Transfer Fees |
1 APR = Annual Percentage Rate is current as of April 2026 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 14.15% to 18% based on the applicant's creditworthiness. This APR will vary with the market based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change. Membership with Ten Credit Union is required to obtain a credit card. Foreign Transactions and Cash Advance Fees may be charged. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.