Disclosure

1 Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).  Insurance products are offered through LPL or its licensed affiliates. TEN Credit Union and TENCU Wealth Management are not registered as a broker-dealer or investment advisor.  Registered representatives of LPL offer products and services using TENCU Wealth Management, and may also be employees of the TEN Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, TENCU Credit Union or TENCU Wealth Management. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA, or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Your Credit Union (“Financial Institution") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

Kasasa Cash CalculatorDisclaimer

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.

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  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

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2. Loan Details
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CD CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total interest paid $0

Auto Loans

Effective Date: January 22, 2024

Longer terms are available.

Loan Type Annual Percentage Rate1
Starting At
Months
2019 - Current
New or Used Auto
6.24%2 63
2014 - 2018
Used Auto
7.24%2 48
2013 - Older
Used Autos
8.24%2 48

1Annual Percentage Rate (APR) on Loan Accounts, effective January 22, 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.

2
The Base Annual Percentage Rate (APR) is the advertised rate and can vary based on creditworthiness, vehicle age, mileage, and loan terms. Financing up to the retail value of the auto is available. Visit a Ten Credit Union branch or call 1-844-468-3628 to speak with a loan officer to determine the rate you qualify for. Speak with a loan officer to discuss options and choose the rate you are eligible for.

For example, 10,000 borrowed at 6.24% APR for 60 months = $194.45/month.

Believe It! Money Market Rates

Effective Date: February 1, 2024

Minimum to Open Term Dividend Rate1 Annual Percentage Yield2 Dividends Credited3
$2,500.00 Daily 0.10% 0.10% Monthly

1All Dividend Rates and Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.

2APY = 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.

3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

Boat Loans

Effective Date: December 20, 2023

Loan Type Annual Percentage Rate1
Starting At
Months
2023 - current
New
8.49%2 48
2018 - current
Used
8.99%2 48
2013 - 2017
Used
9.99%2 48

1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.

2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.

Certificate & Investment Rates

$500 Minimum to Open

Effective Date: February 1, 2024

Term Dividend Rate Annual Percentage Yield1 Dividends Credited2
91 Days (3 Month) 0.55% 0.55% Quarterly
182 Days (6 Month) 1.10% 1.10% Quarterly
9 Month 1.30% 1.30% Quarterly
12 Month 1.55% 1.55% Quarterly
18 Month 1.75% 1.75% Quarterly
24 Month 2.00% 2.00% Quarterly
36 Month 2.70% 2.70% Quarterly
48 Month 2.70% 2.70% Quarterly
60 Month 2.70% 2.70% Quarterly

1APY = 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 compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

Checking

Effective Date: February 1, 2024

Product Dividend Rate Annual Percentage Yield1 Minimum to Open Minimum to Earn Dividends2 Dividends Credited3
Experience Checking 0.30% 0.30% $5.00 $10,000

Monthly

Free Checking 0% 0% $5.00 $0.00  
Restart Checking 0% 0% $5.00 $0.00  

1APY = 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 Dividends are earned monthly and calculated using the average daily balance method.

3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

 

Mortgage & Home Refinance Loan Rates

Call us for our current low rates: (615) 244-1910.

1Annual Percentage Rate (APR) is 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 4.25% 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 April 4, 2020, and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. You may not pay off or make payments to other Ten Credit Union loans, credit cards, or accounts with these proceeds. Membership with Ten Credit Union is required to obtain a loan. Please get in touch with us for more information.

Motorcycle Loans

Effective Date: December 20, 2023

Year Annual Percentage Rate1 Starting At Months  
2023 - Current > 3,000 miles
New
8.49%2 48 Longer terms available
2018 - Current
Used8
8.99%2 48 Longer terms available
2013 - 2017
Used
9.99%2 48 Longer terms available

1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.

2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.

Personal Loans

Effective Date: December 20, 2023

Loan Type Annual Percentage Rate1 Starting At Months  
Signature (Personal) 11.49%2 24 Longer Terms Available.
Personal Line of Credit 13.65%    
Certificate Secured Starting at Deposit APY + 2.00% 36 $3,000 Minimum Amount. Longer Terms Available.

1Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.

2
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.

Prime Money Market Rates

$10,000.00 Minimum to Open

Effective Date: February 1, 2024

Tier Level Dividend Rate1 Annual Percentage Yield2 Dividends Credited3
up to $2,499 0.10% 0.10% Quarterly
$2,500 0.25% 0.25% Quarterly
$10,000 0.30% 0.30% Quarterly
$25,000 0.35% 0.35% Quarterly
$50,000 0.40% 0.40% Quarterly
$100,000 0.45% 0.45% Quarterly
$300,000 0.50% 0.50% Quarterly

1All Dividend Rates and Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.

2APY = 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.

3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period 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)

Effective Date: January 22, 2024

Loan Type Annual Percentage Rate1 Starting At Months  
2023 - Current 8.49%2 (New) 48 Longer terms are available.
2019 - Current 8.99%2 (Used; Refinance) 48 Longer terms are available
2014 - 2018 9.99%1 (Used; Refinance) 48 Longer terms  are available
2013 - Older 9.99%1 (Used; Refinance) 36 Longer terms  are available

1Annual Percentage Rate (APR) on Loan Accounts, effective January 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.

2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.

Share Certificate Promotions

Effective Date: February 20, 2024

Annual
Percentage Yield1
Term Minimum to Open Dividends Credited2
4.95% 5 Month3 $10,000.00 Quarterly
4.50% 7 or 9 Month4 $5,000.00 Quarterly

1APY = 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 compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

3 After the maturing term for the 5-month share certificate and rate, the share certificate will roll over to a 6-month share certificate at the then current market rate, respectively. This promotion is for new money and requires a minimum opening deposit of $10,000.

4After the maturing term for the 7-month share certificate and rate, the share certificate will roll over to a 7-month share certificate at the then current market rate, respectively. 4After the maturing term for the 9-month share certificate and rate, the share certificate will roll over to a 9-month share certificate at the then current market rate, respectively.

Shares Rate Schedule

Effective Date: February 1, 2024

Product Dividend Rate Annual Percentage Yield1 Minimum to Open Minimum to Earn Dividends2 Dividends Credited3
Share Savings 0.10% 0.10% $5.00 $250.00 Quarterly
Christmas Club 0.15% 0.15% $0.00 $100.00 Quarterly
Summer Fun 0.15% 0.15% $0.00 $100.00 Quarterly
IRA Accumulation 0.20% 0.20% $100.00 $250.00 Quarterly
Roth IRA 0.20% 0.20% $100.00 $250.00 Quarterly

1APY = 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 Dividends are earned quarterly and calculated using the average daily balance method.

3 Dividend Credited: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

VISA Rewards Credit Card

Annual Percentage Rate1 Starting At Months  
13.65% APR1 N/A No Annual Fee; No Balance Transfer Fees

1Annual Percentage Rate (APR) is current as of June 2023 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 13.15% to 17.99% 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.