TENCU SHARE SAVINGS
Saving money is a fundamental pillar of financial stability and prosperity. If you find it challenging to set money aside, TENCU can help you implement your savings goals and consistently improve your financial success.
Start saving today!
Enjoy these benefits with your TENCU Share Savings:
- Easy online pre-approval and application process
- No hidden fees or costs
- Competitive rates
- Access to online banking and E-Statments
Get Set, Save, and Go! Join Our Club Accounts!
Welcome to TENCU's Specialty Savings & Club Accounts, where saving for your unique goals is easier than ever. Dedicate funds to specific dreams with our modern club accounts.
Christmas Club
TENCU Christmas Club - Embrace the festive season without financial stress. Open your anytime Christmas Club and be prepared for the merriest time of the year.
Features
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- Effortless Saving: Automatically contribute money throughout the year without even thinking about it.
- No Limits, No Fees: No minimum deposit or monthly fees to worry about.
- Earn Dividends: Balances of $100 or more earn dividends quarterly.
- Payout in October: Transfer your savings to your checking or savings account just in time for the holiday season.
- Santa's Little Helper: Consider it the ultimate support in fulfilling your holiday wishes.
Summer Fun
Whether it's a dream vacation or any other special goal, our Summer Fun account helps you set aside money to make it happen, regardless of the season.
Features
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- Freedom to Withdraw: No minimum withdrawal or balance requirements.
- Earn Dividends: Balances over $100 will earn dividends quarterly.
- Effortless Saving: Systematically save without the need for constant monitoring.
- Chase Your Dreams: Save for that something special, no matter the time of year.
Start saving for your dreams.
Ten Credit Union, Nashville, TN. Your savings are federally insured up to $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. We may provide links to third-party sites independent from Ten Credit Union. Ten Credit Union is not responsible for the content of the website you are about to enter. The privacy and security policies of this site may differ from those of Ten Credit Union.
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 |
---|---|---|
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 | 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 |
---|---|---|---|
3.75% | 6 Month3 | $500 to $100,000 | Quarterly |
4.00% | 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 3.75% for balances between $500 and $100,000, and an APY of 4.00% 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 |
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 |
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 | |
---|---|---|
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.