Seamless Bill Management
Bank Anytime, Anywhere.
Take control of your finances and enjoy the convenience of managing your accounts anytime, anywhere with our state-of-the-art Online Banking service. Access e-Statements, view account balances, and transaction history, transfer funds between accounts, locate branches, and more!
- Free for TENCU members
- Manage your banking activities anytime, anywhere with internet access:
- AccesseStatements
- Keep track of your balances and history
- Transfer funds seamlessly
- Find a local branch & ATM locations
- Make loan payments.
- And so much more!
- Secure and user-friendly service
e-Statements
Welcome to the next generation of banking withTENCU'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.
- It 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.
FREE TRANSFERS
Transferring money is simple! Through Online Banking, you can transfer money from your TENCU account to other TENCU members or external financial institutions, all at no cost.
Seamless banking, anytime, anywhere
Take Control of Your Payments.
TENCU's Bill Pay service provides the ultimate convenience in managing your finances and paying your bills. You can effortlessly handle all your bill payments in one centralized place, making managing your financial obligations a breeze. Bill Payment is provided Free1 to TENCU members, but you must have a checking account at TENCU to use the service.
- Free Member Service via Online Banking
- Enjoy all the benefits of Online Banking while conveniently paying all your bills in one place without writing a check or sharing personal information outside your financial institution.
- Manage one-time or recurring bills with ease :
- Schedule payments in advance
- Set up payment reminders.
- Ensure payments are received on time.
- Have all payment information in one convenient place.
- Retain funds until paper drafts are presented for payment.
- Avoid paper clutter.
- More secure than paper billing
- It helps you save time for yourself.
- Print or download popular financial management software.
Streamlined loan payments
Visit Payment Section
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.
Questions?
Disclosure
1 You may be charged an inactivity fee of $5 per month if no bills are paid within an ongoing 3-month period, so be sure to pay at least one bill within that timeframe.
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.
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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Questions
*Qualifications, limits and other requirements may apply. See details for more info.
**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.
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.
- Net cost of buying $0
- Net cost of leasing $0
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Questions
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.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
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Questions
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.
- Monthly deposit needed to reach goal $0
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Questions
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
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Questions
Auto Loans
Effective Date: January 22, 2024
Longer terms are available.
| Loan Type | Annual Percentage Rate1 Starting At | Months |
|---|---|---|
| 2019 - Current New or Used Auto | 6.24%2 | 63 |
| 2014 - 2018 Used Auto | 7.24%2 | 48 |
| 2013 - Older Used Autos | 8.24%2 | 48 |
1Annual Percentage Rate (APR) on Loan Accounts, effective January 22, 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. 2
For example, 10,000 borrowed at 6.24% APR for 60 months = $194.45/month.
Believe It! Money Market Rates
Effective Date: February 1, 2024
| Minimum to Open | Term | Annual Percentage Rate1 | Annual Percentage Yield2 | Dividends Credited3 |
|---|---|---|---|---|
| $2,500.00 | Daily | 0.10% | 0.10% | Monthly |
1 Annual Percentage Rate = APR. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan. Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance. 2
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 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
Effective Date: December 20, 2023
| Loan Type | Annual Percentage Rate1 Starting At | Months |
|---|---|---|
| 2023 - current New | 8.49%2 | 48 |
| 2018 - current Used | 8.99%2 | 48 |
| 2013 - 2017 Used | 9.99%2 | 48 |
1 Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Certificate & Investment Rates
$500 Minimum to Open
Effective Date: February 1, 2024
| Term | Annual Percentage Rate1 | Annual Percentage Yield2 | Dividends Credited3 |
|---|---|---|---|
| 91 Days (3 Month) | 0.55% | 0.55% | Quarterly |
| 182 Days (6 Month) | 1.10% | 1.10% | Quarterly |
| 7 Month | 1.20% | 1.20% | Quarterly |
| 9 Month | 1.29% | 1.30% | Quarterly |
| 12 Month | 1.54% | 1.55% | Quarterly |
| 18 Month | 1.74% | 1.75% | Quarterly |
| 24 Month | 1.99% | 2.00% | Quarterly |
| 36 Month | 2.67% | 2.70% | Quarterly |
| 48 Month | 2.67% | 2.70% | Quarterly |
| 60 Month | 2.67% | 2.70% | Quarterly |
1 Annual Percentage Rate = APR. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan. 2
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 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.
Checking
Effective Date: February 1, 2024
| Product | Annual Percentage Rate1 | Annual Percentage Yield2 | Minimum to Open | Minimum to Earn Dividends | Dividends Credited3 |
|---|---|---|---|---|---|
| Experience Checking | 0.30% | 0.30% | $5.00 | $10,000 | Monthly |
| Free Checking | 0% | 0% | $5.00 | $0.00 | |
| Restart Checking | 0% | 0% | $5.00 | $0.00 |
1 Annual Percentage Rate = APR. The cost, including fees, of borrowing money yearly is expressed as a percentage. The APR is a broader measure of the cost since it reflects the interest rate and the fees you must pay to get the loan. 2
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.
Mortgage & Home Refinance Loan Rates
Call us for our current low rates: (615) 244-1910.
1 Annual Percentage Rate = APR 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 4.25% 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 April 4, 2020, and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. You may not pay off or make payments to other Ten Credit Union loans, credit cards, or accounts with these proceeds. Membership with Ten Credit Union is required to obtain a loan. Please get in touch with us for more information.
Motorcycle Loans
Effective Date: December 20, 2023
| Year | Annual Percentage Rate1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current > 3,000 miles New | 8.49%2 | 48 | Longer terms available |
| 2018 - Current Used8 | 8.99%2 | 48 | Longer terms available |
| 2013 - 2017 Used | 9.99%2 | 48 | Longer terms available |
1 Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. The offer does not apply to loans currently financed by Ten Credit Union.
Personal Loans
Effective Date: December 20, 2023
| Loan Type | Annual Percentage Rate1 Starting At | Months | |
|---|---|---|---|
| Signature (Personal) | 11.49%2 | 24 | Longer Terms Available. |
| Personal Line of Credit | 13.65%2 | ||
| Certificate Secured | Starting at Deposit APY + 2.00% | 36 | $3,000 Minimum Amount. Longer Terms Available. |
1 Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information. 2
Prime Money Market Rates
$10,000.00 Minimum to Open
Effective Date: February 1, 2024
| Tier Level | Annual Percentages Rate1 | Annual | Dividends Credited3 |
| up to $2,499 | 0.10% | 0.10% | Quarterly |
| $2,500 | 0.25% | 0.25% | Quarterly |
| $10,000 | 0.30% | 0.30% | Quarterly |
| $25,000 | 0.35% | 0.35% | Quarterly |
| $50,000 | 0.40% | 0.40% | Quarterly |
| $100,000 | 0.45% | 0.45% | Quarterly |
| $300,000 | 0.50% | 0.50% | Quarterly |
1 Annual Percentage Rate = APR. The cost, including fees, of borrowing money yearly is expressed as a percentage. The APR is a broader cost measure since it reflects the interest rate and the fees you must pay to get the loan. 2
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 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)
Effective Date: January 22, 2024
| Loan Type | Annual Percentage Rate1 Starting At | Months | |
|---|---|---|---|
| 2023 - Current | 8.49%2 (New) | 48 | Longer terms are available. |
| 2019 - Current | 8.99%2 (Used; Refinance) | 48 | Longer terms are available |
| 2014 - 2018 | 9.99%1 (Used; Refinance) | 48 | Longer terms are available |
| 2013 - Older | 9.99%1 (Used; Refinance) | 36 | Longer terms are available |
1 Annual Percentage Rate = APR on Loan Accounts, effective January 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Annual Percentage Rate = APR is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. The offer does not apply to loans currently financed by Ten Credit Union.
Share Certificate Promotions
Effective Date: May 23, 2024
| Annual Percentage Yield1 | Term | Minimum to Open | Dividends Credited2 |
|---|---|---|---|
| 5.00% | 9 Month3 | $25,000.00 | Quarterly |
| 4.50% | 18 or 24 Month4 | $10,000.00 | 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.
3 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 $25,000.
4 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 $10,000. 4 After the maturing term for the 24-month share certificate and rate, the share certificate will roll over to a 24-month share certificate at the then current market rate, respectively. This promotion is for new money and requires a minimum opening deposit of $10,000.
Shares Rate Schedule
Effective Date: February 1, 2024
| Product | Annual Percentage Rate1 | Annual Percentage Yield2 | Minimum to Open | Minimum to Earn Dividends3 | Dividends Credited4 |
|---|---|---|---|---|---|
| Share Savings | 0.10% | 0.10% | $5.00 | $250.00 | Quarterly |
| Christmas Club | 0.15% | 0.15% | $0.00 | $100.00 | Quarterly |
| Summer Fun | 0.15% | 0.15% | $0.00 | $100.00 | Quarterly |
| IRA Accumulation | 0.20% | 0.20% | $100.00 | $250.00 | Quarterly |
| Roth IRA | 0.20% | 0.20% | $100.00 | $250.00 | Quarterly |
1 Annual Percentage Rate = APR. The cost, including fees, of borrowing money yearly is expressed as a percentage. The APR is a broader measure of the cost since it reflects the interest rate and the fees you must pay to get the loan. 2
3 Dividends are earned quarterly and calculated using the average daily balance method.
4 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
Annual Percentage | Months | |
|---|---|---|
| 13.65% | N/A | No Annual Fee; No Balance Transfer Fees |
1 Annual Percentage Rate (APR) 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.
