Checking Accounts in Nashville & Cookeville – Flexible Options for Every Member
At TEN Credit Union, we know every member’s banking needs are unique. That’s why we offer a range of checking account options—from teen accounts to premium interest checking, fee-free debit accounts, and second-chance checking—to fit your lifestyle and financial goals.
With free digital banking tools, a free TENCU debit card, nationwide ATM and shared branching access, TENCU checking accounts make it easy to manage your money anywhere life takes you.
Open Your Checking Account Today! View Rates
Our Checking Accounts Include:
- Teen Debit Account – Financial independence for ages 14–17 with built-in spending limits and savings tools.
- Experience Checking – Earn interest, enjoy premium perks, and access nationwide banking.
- Free³ Debit Account – Simple, unlimited checking with no monthly fees or minimum balance.
- Restart Checking – A fresh start for rebuilding your financial stability.
Teen Debit Account in Nashville & Cookeville – Build Smart Money Skills
The TEN Credit Union Teen Debit Account gives students ages 14–17 the freedom to manage their own money—without requiring a parent or legal guardian on the account. Paired with a linked Share Savings Account, it’s the perfect way to build strong financial habits and learn real-world money skills.
What Teens Get
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- Just $5 to open the account.
- Open with just a valid Tennessee State ID5 and school ID6 — no parent required.
- Debit card for everyday purchases and ATM withdrawals.
- Linked Share Savings Account to encourage saving.
- Daily spending limits to promote smart budgeting.
- Access to E-Branch online banking and the TENCU Mobile App.
Account Details & Restrictions:
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- ATM withdrawal limit – $55
- Debit card daily transaction limit – $200.
- All checks must be deposited into the savings account.
- No check writing, bill pay, overdraft coverage, or remote check deposit.
With the Teen Debit Account from TENCU, which serves Nashville, Cookeville, and Middle Tennessee, your teen can manage money safely while building lifelong financial skills.
Experience Checking – Premium Features for Your Everyday Banking
Upgrade your checking with TEN Credit Union’s Experience Checking Account—designed for members who want more from their everyday banking. From higher interest rates to premium perks, you’ll enjoy added value and personalized service.
Why Members Choose it
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- Earn 0.30% interest on balances over $10,000².
- One free standard book of checks each year.
- Free paper statements and a free debit card.
- Access to 24/7 ATMs and the nationwide shared branching network.
- Overdraft protection is available at no cost.
Convenient Banking Tools
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- Free e-services including eStatements¹, online banking, and mobile banking.
- Mobile pay and Remote Deposit Capture⁴.
Account Requirements
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- Maintain an average daily balance of $10,000³ or more to waive the monthly maintenance fee.
- $5 monthly fee applies if the balance requirement is not met.
Enjoy premium benefits and local service with the Experience Checking Account from TENCU, serving Nashville, Cookeville, and Middle Tennessee.
Free³ Debit Account – Simple, Unlimited, No Monthly Fees
Enjoy hassle-free banking with the TEN Credit Union Free³ Debit Account. With no minimum balance, no monthly service charge, and unlimited transactions, you can focus on your money—not on fees.
What You'll Love
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- No minimum balance required.
- No monthly service charge.
- Unlimited transactions every month.
- Free TENCU debit card with no-cost overdraft protection available.
- Access to 24/7 ATMs and the nationwide shared branching network.
Free Digital Banking Tools
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- eStatements¹, online banking, and mobile banking.
- Mobile pay and Remote Deposit Capture⁴.
Open a Free³ Debit Account today and enjoy simple, flexible, and fee-free checking from your trusted local credit union—serving Nashville, Cookeville, and Middle Tennessee.
Restart Checking – A Fresh Start for Your Finances
If you’ve had past banking challenges, the TEN Credit Union Restart Checking Account helps you get back on track. With essential account features, low fees, and local support, you can rebuild your financial stability and move toward a brighter future.
Key Features
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- No minimum balance required.
- Free TENCU debit card with a $200 daily limit (must have available funds).
- Low $10 monthly maintenance fee.
- Online and mobile banking access to view your account anytime.
- Free eStatements and account alerts with a valid email address.
Take the first step toward financial recovery with the Restart Checking Account from TENCU—serving Nashville, Cookeville, and Middle Tennessee.
Easily Reorder Your Checks Today!
Running low on checks? Don't worry! Reordering is quick and simple. With just a few clicks, you can ensure you always have the checks you need for seamless transactions. Take the hassle out of check reordering and renew your checkbook effortlessly today!
Enjoy the convenience of seamless banking with just a few clicks.
1 E-Statement: Members who choose not to receive e-statements will incur a $3 paper statement fee per statement cycle.
2 Please be advised that, effective March 1, 2025, a $5.00 monthly maintenance fee will apply to your Experience Checking account. To avoid this fee, maintain an average daily balance of $10,000.00 or more. Refer to our Schedule of Fees on the disclosures page for a complete list. If none of these requirements are fulfilled, a monthly service charge of $5.00 is assessed for each month not fulfilled.
3 Free Debit Account: To be eligible for the free debit account, members must enroll in our e-statement program.
4 Eligibility for Remote Deposit Capture: Member must be at least 18 years of age, have an active TENCU account open for at least 60 days, have no history of returned deposit items, have a valid email address, and be a current user of TENCU's mobile app. Please keep all Mobile Deposited Checks for 90 days after the deposit. Endorse your check with "For Mobile Deposit Only to TENCU Only." Checks deposited Monday-Friday before 4:00 p.m. will be credited to your account on the same day. All other deposits will be credited to your account on our next business day. There is a $5,000.00 & 5-item daily limit, with a max of $10,000.00 per month.
5 If the student does not have a TNID or TNDL, a U.S. passport can be accepted as a Primary ID. NOTE: Student must provide documentation from School District (Schedule of Courses or Report Card) to confirm student’s Physical Address. If the Student cannot provide proof of Address, an account will not be opened without a TNDL or TNID. The parent or Guardian’s Address can only be used if the Parent/Guardian is added as a Joint to the Account.
6 If the student does not have a valid School ID, a US Passport, Social Security Card, or Birth Certificate must be provided as a secondary ID. In addition, the student must also provide either a letter from the school confirming enrollment, a schedule of courses, a report card printed from the school, county website, or a verification letter from the Tennessee Department of Education if home-schooled.
Ten Credit Union, Nashville, TN, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Ten Credit Union is an equal-opportunity housing lender.
Federally insured by NCUA.
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 |
5.99% | 63 |
| 2015 - 2019 Used Auto |
6.24% | 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.
For example, $10,000 borrowed at 5.99% APR for 60 months = $193.28/month.
Believe It! Money Market Rates
| Minimum to Open | APY1 | Dividends Credited2 |
|---|---|---|
| $2,500.00 | 0.10% | Monthly |
1APY = 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.
Boat Loans
| Loan Type | APR1 Starting At | Months |
|---|---|---|
| 2024 - current New |
8.24% | 48 |
| 2019 - current Used |
8.74% | 48 |
| 2014 - 2018 Used |
9.74% | 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.
Checking
$5 Minimum to Open
| Product | APY1 | Minimum to Earn Dividends | Dividends Credited2 |
|---|---|---|---|
| Experience Checking | 0.30% | $10,000 |
Monthly |
| Free Checking | 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.
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 | |
|---|---|---|---|
| 2024 - Current > 3,000 miles New |
8.24% | 48 | Longer terms available |
| 2024 - Current Used |
8.74% | 48 | Longer terms available |
| 2014 - 2018 Used |
9.74% | 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.
Personal Loans
| Loan Type | APR1 Starting At | Months | |
|---|---|---|---|
| Signature (Personal) | 11.24% | 24 | Longer Terms Available. |
| Personal Line of Credit | 13.65% | ||
| 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 60-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 60-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.
Prime Money Market Rates
$10,000.00 Minimum to Open. Rate adjusted based on account balance.
| Account Balance | APY1 | Dividends Credited2 |
| up to $2,499 | 0.10% | Quarterly |
| $2,500-$9,999 | 0.25% | Quarterly |
| $10,000-$24,999 | 0.30% | Quarterly |
| $25,000-$49,999 | 0.35% | Quarterly |
| $50,000-$99,999 | 0.40% | Quarterly |
| $100,000-$299,999 | 0.45% | Quarterly |
| $300,000 and up | 0.50% | 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 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.
Recreational Vehicle Loans
(Marine, RVs, Campers, ATV, and UTVs)
| Loan Type | APR1 Starting At | Months | |
|---|---|---|---|
| 2024 - Current | 8.24% (New) | 48 | Longer terms are available. |
| 2019 - Current | 8.74% (Used; Refinance) | 48 | Longer terms are available |
| 2014 - 2018 | 9.74% (Used; Refinance) | 48 | Longer terms are available |
| 2013 - 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.
Share Certificate & Share IRA Certificate Rates
$500 Minimum to Open
| Term | APY1 | Dividends Credited2 |
|---|---|---|
| 91 Days (3 Month) | 0.55% | Quarterly |
| 182 Days (6 Month) | 1.10% | Quarterly |
| 7 Month | 1.20% | Quarterly |
| 9 Month | 1.30% | Quarterly |
| 12 Month | 1.55% | Quarterly |
| 18 Month | 1.75% | Quarterly |
| 24 Month | 1.85% | Quarterly |
| 36 Month | 2.15% | Quarterly |
| 48 Month | 2.15% | Quarterly |
| 60 Month | 2.15% | 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 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.
Share Certificate Promotions
| APY1 | Term | Minimum to Open | Dividends Credited2 |
|---|---|---|---|
| 3.45% | 6 Month3 | $500 to $100,000 | Quarterly |
| 3.60% | 6 Month3 | $100,000 or more | Quarterly |
1 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.
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.
3The 6-month share certificate offers an APY of 3.45% for balances between $500 and $100,000 and an APY of 3.60% for balances of $100,000 or more. After the 6-month term, the share certificate will automatically roll over to a 6-month share certificate at the then-current market rate. This promotion is for new money only and requires a minimum opening deposit of $500.
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 |
| 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 | |
|---|---|---|
| 12.9% | N/A | No Annual Fee; No Balance Transfer Fees |
1 APR = Annual Percentage Rate is current as of January 2025 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 12.9% 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. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.