TENCU VISA® CREDIT CARDS

Unlock endless possibilities with TENCU credit cards! Enjoy unbeatable rewards, low rates, and the convenience of 'Banking Anywhere'—all designed to fit your lifestyle.

Apply for your TENCU Visa® Credit Card Today!

APPLY NOW Rates

Enjoy these benefits with your TENCU Visa® Credit Card:

  • No Annual Fee
  • No Balance Transfer Fees
  • The same low rate for everyday purchases and cash advances
  • 24/7 fraud protection
  • Contactless Payment Options are available
  • Access to online banking and other features
  • 24-hour toll-free customer service
  • Integrated with Android Pay, Apple Pay, and Samsung Pay
Disclosure

1Visa’s Zero Liability policy does not apply to unauthorized transactions on prepaid cards for which Ten Credit Union has not collected the cardholder’s personal information prior to the transaction or to certain commercial card transactions. The rate cannot fall lower than 13.65% APR and will not exceed 18% APR. The borrower’s rate will not be below the qualifying rate based on the term.  Cardholders must use care in protecting their card and notify Ten Credit Union immediately of any unauthorized use. Cardholders should contact Ten Credit Union for additional details.

2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications. 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 Visa's Rewards Credit Card (ScoreCard), earn one point for every dollar spent. Certain other restrictions may apply. Refer to your credit card disclosure.

 

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

Longer terms are available.

Loan Type APR1 Starting At Months
2019 - Current
New or Used Auto
6.24% 63
2014 - 2018
Used Auto
7.24% 48
2013 - Older
Used Autos
8.24% 48

1APR = Annual Percentage Rate on Loan Accounts, effective January 22, 2024. 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 6.24% APR for 60 months = $194.45/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
2023 - current
New
8.49% 48
2018 - current
Used
8.99% 48
2013 - 2017
Used
9.99% 48

1APR = Annual Percentage Rate on Loan Accounts, effective February 2023. 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  
2023 - Current > 3,000 miles
New
8.49% 48 Longer terms available
2018 - Current
Used
8.99% 48 Longer terms available
2013 - 2017
Used
9.99% 48 Longer terms available

1APR = Annual Percentage Rate on Loan Accounts, effective February 2023. 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) 11.49% 24 Longer Terms Available.
Personal Line of Credit 13.65%    
Certificate Secured Starting at Deposit APY2 + 2.00% 36 $3,000 Minimum Amount. Longer Terms Available.

1APR = Annual Percentage Rate on Loan Accounts, effective February 2023. 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.

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  
2023 - Current 8.49% (New) 48 Longer terms are available.
2019 - Current 8.99% (Used; Refinance) 48 Longer terms are available
2014 - 2018 9.99% (Used; Refinance) 48 Longer terms  are available
2013 - Older 9.99% (Used; Refinance) 36 Longer terms  are available

1 APR = Annual Percentage Rate on Loan Accounts, effective January 2024. 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 2.00% Quarterly
36 Month 2.50% Quarterly
48 Month 2.50% Quarterly
60 Month 2.50% 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.

Share Certificate Promotions

APY1 Term Minimum to Open Dividends Credited2
4.50% 6 Month3 $500 to $100,000 Quarterly
4.75% 6 Month3 $100,000 or more Quarterly
4.25% 9 Month4 $500 Quarterly
3.50% 18 Month5 $500 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 4.50% for balances between $500 and $100,000, and an APY of 4.75% 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."

4 After 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. This promotion is for new money and requires a minimum opening deposit of $500.

5 After the maturing term for the 18-month share certificate and rate, the share certificate will roll over to an 18-month share certificate at the then current market rate, respectively. This promotion is for new money 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
Christmas Club 0.15% $0.00 $100.00 Quarterly
Summer Fun 0.15% $0.00 $100.00 Quarterly
IRA Accumulation 0.20% $100.00 $250.00 Quarterly
Roth IRA 0.20% $100.00 $250.00 Quarterly

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  
13.65%  N/A No Annual Fee; No Balance Transfer Fees

1 APR = Annual Percentage Rate is current as of June 2023 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 13.65% 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.