Our Investments
In addition to using our savings/share account to earn dividends, you have many other investment options at TN Members 1st.
Share Certificates
Share Certificates are perfect for members, who want to maximize their earnings by investing for a specific period of time. We offer Regular, IRA, and Youth Share Certificates with terms ranging from 6-60 months.
Individual Retirement Accounts
Individual Retirement Accounts (IRAs) offer flexibility and tax advantages. They offer security and peace of mind for those members, who are less risk tolerant. We offer Traditional, Roth, Roth Conversion IRAs, and Coverdell Savings Plans.
Money Market
Money Market Accounts require a minimum balance of $2500 and allow up to 6 withdrawals a month. Currently, there are no share draft privileges associated with these accounts. There are no investment period restrictions, and you will earn a higher interest rate than a regular savings account.
Certificate & Money Market Rates
| Type | Dividend Rate | APY |
|---|---|---|
| 12 Months | 1.490% | 1.50% |
| 24 Months | 1.736% | 1.75% |
Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts. | ||
| Type | Dividend Rate | APY |
|---|---|---|
| 6 Months | 1.243% | 1.25% |
| 12 Months | 1.490% | 1.50% |
| 13 Months Special* | 3.928% | 4.00% |
| 15 Months^ | 1.490% | 1.50% |
| 18 Months | 1.736% | 1.75% |
| 24 Months | 1.736% | 1.75% |
| 36 Months | 1.982% | 2.00% |
| 48 Months | 2.472% | 2.50% |
| 60 Months | 2.960% | 3.00% |
*Minimum opening balance of $5,000 for 13 Month Certificate Special. ^No longer offering new 15-month certificates or Golden Classics Account status rate incentives. Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts. | ||
| Type | Dividend Rate | APY |
|---|---|---|
| $2,500 – $24,999 | 1.243% | 1.25% |
| $25,000 – $49,999 | 1.490% | 1.50% |
| $50,000 – $99,999 | 1.736% | 1.75% |
| $100,000 + | 1.982% | 2.00% |
Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts. | ||
APY = Annual Percentage Yield. Programs, rates, terms, and conditions are subject to change without notice. Early withdrawal penalty – 90 days (interest forfeited) – Dividends compounded, credited monthly. Certificates minimum opening balance of $1,000 unless otherwise noted. Ask us for further information about the terms, fees, and specials that may apply to these accounts.
*7-month certificate specials require a minimum $5,000 opening balance.
^No longer offering new 15-month certificates or Golden Classics Account status rate incentives.
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