Business Savings - Knoxville TVA Employees Credit Union

Take control of your money with
Online Access ¹ for Business Accounts ²

KTVAECU^® now has even more powerful online banking tools for business owners with Online Access for Business Accounts! With Online Access for Business Accounts, you manage who has access to online banking business accounts. With Online Access, you decide who can:

Make and/or schedule transfers
Export account history
View eStatements ³
Use Bill Pay ⁴
And much more!

Find out more about how Online Access can help manage your business BETTER!

Business Savings ⁵

Business Savings Accounts earn competitive dividend rates and are the simplest, most flexible way to save. Looking for a higher return on savings?

The Member-Managed Funds Account ³ is a tiered money market account offering higher dividends based on the account balance.
Business Certificate Accounts ⁶ offer higher return rates for a specific period to best fit your organization's needs

Business Deposit Accounts

Business Savings

Business Savings Accounts establish your business relationship with the Credit Union. They are the most flexible way to save while still having access to your money.

$5.00 minimum balance
No monthly fees with eStatements ⁷
Withdraw funds anytime
Provides overdraft protection on checking accounts
Dividends accrue daily; compound quarterly

Please call or visit us to open a Business Savings account.

Business Member-Managed Funds Account ³

This account is perfect for accounts with a higher balance. Business Member-Managed Funds Accounts earn dividends on balances $2,500.00 and over. This is a tiered account, so the more you save, the more you earn! The minimum opening deposit is $2,500.00.

Member-Managed Funds may be designated as a savings or checking account. Subject to change. Ask for details.

Please call or visit us to open a Member-Managed Funds Account.

Member-Managed Funds Account Rates

Table data for Member-Managed Funds Account
Rates Effective 06-09-2025
Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)	Dividend Compound	Alert Me
$2,500.00	0.55%	0.55%	Monthly	Receive a notification when this rate changes

$25,000.00	0.60%	0.60%	Monthly	Receive a notification when this rate changes

$50,000.00	0.70%	0.70%	Monthly	Receive a notification when this rate changes

$100,000.00	1.74%	1.75%	Monthly	Receive a notification when this rate changes

$250,000.00	1.83%	1.85%	Monthly	Receive a notification when this rate changes

$500,000.00	1.98%	2.00%	Monthly	Receive a notification when this rate changes

$1,000,000.00	1.98%	2.00%	Monthly	Receive a notification when this rate changes

MEMBER MANAGED ACCOUNT: APY effective as of June 2025. APY = Annual Percentage Yield. APY effective as of 06-09-25. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2,500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. Fees may reduce earnings. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.

Business Certificate Account ⁶

A Business Certificate Account guarantees an exact return on investment for a specified term as a result of fixed dividend rates. Choose from 6 to 60-month term share certificates with great rates, depending on your investment strategy.

CERTIFICATE CALCULATOR

Table data for CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
Rates effective 06-09-2025
Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound	Alert Me
6 Months	4.17%	4.25%	$2,500.00	Monthly	Receive a notification when this rate changes

12 Months	4.17%	4.25%	$2,500.00	Monthly	Receive a notification when this rate changes

18 Months	4.17%	4.25%	$500.00	Monthly	Receive a notification when this rate changes

24 Months	4.17%	4.25%	$500.00	Monthly	Receive a notification when this rate changes

30 Months	4.17%	4.25%	$500.00	Monthly	Receive a notification when this rate changes

36 Months	4.17%	4.25%	$500.00	Monthly	Receive a notification when this rate changes

42 Months	4.17%	4.25%	$500.00	Monthly	Receive a notification when this rate changes

48 Months	4.17%	4.25%	$500.00	Monthly	Receive a notification when this rate changes

60 Months	4.17%	4.25%	$500.00	Monthly	Receive a notification when this rate changes

Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details. Any of these certificates can be designated as an IRA. APY = Annual Percentage Yield. APY effective as of June 2025. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.

Disclosures

¹ Some restrictions may apply. Ask for details.

² Must use eStatement for no-fee option. Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. $5.00 minimum balance required for Business Share.

³ APY = Annual Percentage Yield. APY effective as of 06-09-25. Member-Managed Funds may be designated as a savings or checking account. No minimum balance required, but the minimum balance of $2,500.00 required to earn dividends. Member-Managed Checking Accounts offer unlimited transfers. Limits on number of non-signature transactions may be imposed as required by regulation or Credit Union policy. Non-signature transactions may include those made over the phone, via online or telephone banking, or automatically by the Credit Union. No monthly fee if enrolled in eStatements or $2.00 per month for paper statements (if under the age of 18, Senior Member Accounts, and department SSI excluded). Ask for details. Available to qualifying Members. Some restrictions may apply. Fees may apply.

⁴ Available to qualifying Members. Some restrictions may apply. Message and data rates may apply. Ask for details.

⁵ Must use eStatement for no-fee option. Available to qualifying Members. Some restrictions may apply. Fees may apply. Ask for details. Dividends accrue daily; compound quarterly. $5.00 minimum balance.

⁶ Must use eStatement for no-fee option. Available to qualifying Members. Some restrictions may apply. Ask for details.

⁷ Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.