--- title: "BCBST Employees Credit Union Rates (Nov 2026): CDs to 4.16%" description: "BCBST Employees Credit Union rates today: savings & CDs up to 4.16% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join BCBST Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/bcbst-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # BCBST Employees Credit Union Rates (Nov 2026): CDs to 4.16% ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month New Auto Loan** auto_new_36mo | — APR | 4.750% | 36 mo · new | Standard | | **Up to 60-Month New Auto Loan** auto_new_60mo | — APR | 4.750% | 60 mo · new | Standard | | **Up to 48-Month New Auto Loan** auto_new_48mo | — APR | 4.750% | 48 mo · new | Standard | | **Up to 72-Month New Auto Loan** auto_new_72mo | — APR | 5.250% | 72 mo · new | Standard | | **Up to 48-Month Used Auto Loan** auto_used_48mo | — APR | 5.750% | 48 mo · used | Standard | | **Up to 36-Month Used Auto Loan** auto_used_36mo | — APR | 5.750% | 36 mo · used | Standard | | **Up to 60-Month Used Auto Loan** auto_used_60mo | — APR | 6.250% | 60 mo · used | Standard | BCBST Employees Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 9.500% | 36 mo | Standard | BCBST Employees Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **$5 and Over** savings | — APY | 0.15% | — | Standard | | **$5 - $500** savings | — APY | 0.20% | — | Standard | | **Over $501** savings | — APY | 0.20% | — | Standard | | **$100 And Over** savings | — APY | 2.00% | — | Standard | | **24-Month Certificate** share_certificate_24mo | 3.90% APY | 3.85% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.90% APY | 3.85% | 18 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.00% APY | 3.95% | 12 mo | Standard | | **180 Days** savings | 4.16% APY | 4.10% | — | Standard | BCBST Employees Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.16% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/bcbst-employees) , verified from [BCBST Employees Credit Union's official website](https://www.bcbstecu.com/) Loading branch locator… ## About BCBST Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.6K Assets $10M Founded 1971 Locations reported 1 NCUA charter 67738 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Comtrust** Main Office · Chattanooga · TN · 37402 About 0.3 miles away](https://rateapi.dev/credit-unions/tennessee/comtrust) [**Tennessee Valley** Chattanooga - Admin · Chattanooga · TN · 37402 About 0.4 miles away](https://rateapi.dev/credit-unions/tennessee/tennessee-valley) [**Epb Employees** Downtown Branch · Chattanooga · TN · 37402-1832 About 0.4 miles away](https://rateapi.dev/credit-unions/tennessee/epb-employees) [**Trust** Main Office · Chattanooga · TN · 37402 About 0.6 miles away](https://rateapi.dev/credit-unions/tennessee/trust) [**Healthcare Services** Main Office · Chattanooga · TN · 37403-2101 About 1.4 miles away](https://rateapi.dev/credit-unions/tennessee/healthcare-services) [**Southeast Financial** National Ave · Chattanooga · TN · 37404 About 1.8 miles away](https://rateapi.dev/credit-unions/tennessee/southeast-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join BCBST Employees Credit Union Membership eligibility from BCBST Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Federal government +1 more) - Employer Federal government, BlueCross BlueShield of Tennessee **Cost to join:** About $25. Verified from [BCBST Employees Credit Union's membership page](https://www.cfecu.org/becomeamember) . Final membership determination is always made by the credit union. ## Work at BCBST Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where BCBST Employees Credit Union ranks against Tennessee peers. - See which AI assistants fetched BCBST Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=bcbst-employees&state=tennessee&code=TN&name=BCBST%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does BCBST Employees Credit Union offer? BCBST Employees Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are BCBST Employees Credit Union rates updated? RateAPI verifies BCBST Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get BCBST Employees Credit Union's rate data? Rate data is collected directly from BCBST Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is BCBST Employees Credit Union's best CD rate? As of November 12, 2026, BCBST Employees Credit Union offers savings and certificate (CD) yields up to 4.16% APY. ### Who can join BCBST Employees Credit Union? Membership via employers (Federal government +1 more) ## Related Rate Data Compare BCBST Employees Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.bcbstecu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track BCBST Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for BCBST Employees Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /bcbst-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## BCBST Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/bcbst-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp