Download the New TENCU Mobile App!3
Get ready to experience banking like never before with our newly revamped Mobile Banking App! We've taken it to the next level, tailoring it to cater to your financial needs like never before. Brace yourself for an electrifying experience as our Mobile Banking App and Online Banking system join forces, delivering a state-of-the-art interface that puts you firmly in control of your finances!
The new app is equipped with several new features and functions:
- Mobile Deposit: Using the Mobile Deposit feature, you can upload images of the front and back of a check to deposit it into your account.
- Picture Bill Pay: Pay your bills and quickly create new payees by uploading a copy of your bill.
- Account Alerts: Account Alerts can notify you when the balances in your accounts go above or below a number you specify.
- Biometric Login: Uses face recognition and/or fingerprint recognition technology to unlock your device using just your face or fingerprint.
NOTICE:
*You must download the new app to sign in to Online Banking on a mobile device or tablet. If you try to log in, the old app will give you an error message.
Banking conveniently on your phone, 24/7.
Our Mobile Banking service is designed to keep you connected to your finances on the go. Whether you're a personal or business customer enrolled in online banking, managing your money has never been easier. Bank at your fingertips, whenever and wherever you need it.
- Enjoy the convenience of a fast, free, secure service exclusively created for you.
- Stay in control of your finances— even on the go:
- Deposit checks remotely with Mobile Remote Deposit
- Review account history
- Transfer funds between accounts
- Find the nearest TENCU branch, ATM, or CO-OP Shared Branch wherever you are
- Pay and keep track of bills.
App download
e-Statements
Welcome to the next generation of banking with TENCU's e-Statements! Say goodbye to paper clutter and hello to a safer, speedier, and more environmentally friendly way to manage your statements and notices. Best of all, it's free!
Access your statements at the Click of a Button. Say goodbye to waiting for regular mail delivery – with eStatements, and access your statements online faster. Log into online banking, head to Additional Services, and securely access your statements. We encourage members to save their statements in a secure digital space for convenient future access.
Advantages of eStatements:
- They are free.
- You receive them faster than a paper copy.
- They are safer than receiving statements and notices delivered to your home.
- The eStatements look like regular paper statements.
- Reduces paper and unwanted mail.
- 12 months of statements are available on an ongoing basis.
- You receive an email notification when your eStatement is ready to view.
- They are environmentally friendly.
Dial-In to TENCU
Welcome to TENCU's Express Call, your key to accessing account information on the go! When you're away from a computer, no worries – with Express Call, your accounts are just a phone call away. Whether it's day or night, managing your finances has never been easier! Call 800-338-1904 from any touch-tone phone.
- Get account information and make transactions anytime with your personal identification number (PIN).
- You can check balances, make transfers, get account histories, verify loan transactions, and more.
- This service is free and available 24/7.
- Listen to the instructions and key in the codes to conduct your transactions.
Try Text Banking Today!
Text Banking is a free, lightning-fast service that puts your account information right at your fingertips! Send an SMS command to 59289 and instantly receive account information straight to your mobile phone. You can check balances and view recent transactions for your accounts.
Text any of these commands to 59217:
- bal - Get balances for all of your accounts.
- hist – View account history for all accounts.
- hist + texting nickname (ex. Hist c1) – Access account history for a specific account.
- atm + street or zip code – Locate an ATM mach DETAILS 6 Details NameDetails ContentParagraphTo open the popup, press Shift+EnterTo open the popup, press Shift+Enter Deleteine.
- branch + street or zip code – Find a branch.
- help – Quick access to the help menu.
- stop – Cancel and deactivate text banking
The commands are not case-sensitive, so you can use variations like "bal" and "BAL" to fetch balances.
Registration through Online Banking is required. If you have already registered for Online Banking and signed up for the TENCU mobile app, you can immediately begin using text banking commands with your registered mobile device.
Deposit Checks in a Snap.
Our innovative mobile banking app allows you to deposit checks at your convenience. Just open the app, snap a photo of your check, and select the account for the deposit. Your check image is securely processed, ensuring funds are deposited into your TENCU account within one (1) business day.
- Deposit checks anytime, anywhere, from your mobile phone.1
- Free service for customers with a TENCU checking account linked to Online Banking.2
- Open the app, photograph your check, and click deposit.
Important: When endorsing your check for mobile deposit, please write "For TENCU Mobile Deposit."
Eligibility for Remote Deposit: 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 mobile app. There is a $5,000.00 & 5-item daily limit, with a max of $10,000.00 per month
The back of your check must be endorsed with
"For Mobile Deposit Only to TENCU Only".
TENCU may have to reject your check if it does not contain the specific endorsement noted above. This step is intended to help minimize your exposure to risk and the impact of any fraud.
For more information, or if you need assistance, please call 1-844-468-3628 or email us at [email protected]
NOTE: The third parties listed above are not affiliated with Ten Credit Union and are solely responsible for their products and services. All trademarks are the property of their respective owners. Standard text messaging and data rates may apply for Mobile Banking Services. Please contact your mobile carrier for details.
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 pm 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.
Secure Your Accounts with Real-time Alerts!
Create customized email alerts that keep you in the loop whenever important account activity occurs – like low balance alerts or cleared checks. Our Account Alerts are personalized emails or texts, ensuring you're the first to know about any account activity. This is a great way to stay up-to-date and can serve as an early identity theft warning system.
TENCU offers the following alerts:
- Share Balance Below a Value
- Share Deposit Above a Value
- Share Withdrawal Above a Value
- Check-in a Specified Range Cleared
- Loan Payment is Past Due Date
Setting up account alerts is easy! Simply log in to your Online Banking account and select the "Access Accounts " menu option. Select Email or Text Notification, then follow the instructions to customize and activate your email or text alerts. Making changes or deleting alerts is just as easy.
1 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.
2 Eligibility for Remote Deposit: 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. There is a $5,000.00 & 5-item daily limit, with a max of $10,000.00 per month.
3 You must download the new app to sign in to Online Banking on a mobile device or tablet. If you try to log in, the old app will give you an error message.
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. These links are provided only as a convenience. Ten Credit Union does not manage the operation or 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 | 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 |
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.